Travel insurance cost estimator
Estimate travel insurance costs for your trip and understand what coverage levels actually protect.
Travel insurance cost estimator
Estimate travel insurance cost based on trip cost, duration, destination, and coverage level.
This is an estimate for informational purposes only based on national and state averages. Actual rates vary by insurer and individual circumstances. For an accurate quote, contact a licensed insurance agent.
Why the medical coverage matters most
Most people buy travel insurance for trip cancellation. The most important coverage is actually emergency medical. Your US health insurance typically does not cover medical care abroad, and Medicare has virtually no international coverage. A medical evacuation from a remote location can cost $50,000-$300,000. Travel insurance emergency evacuation coverage pays for medically necessary transport to an appropriate hospital, potentially saving your financial life.
Destination matters significantly
Travel insurance to domestic US destinations focuses mainly on trip cancellation and interruption. International travel adds the critical layer of emergency medical coverage. Travel to remote destinations — wilderness adventures, developing countries, cruise itineraries — makes emergency evacuation coverage especially important. Some destinations also have advisory-based exclusions; check before purchase.
Pre-existing condition waivers
If you have a pre-existing medical condition, standard travel insurance may exclude claims related to that condition. A pre-existing condition waiver, available when you buy within 14-21 days of your initial deposit, removes that exclusion. This is particularly important for older travelers, those with chronic conditions, or anyone whose health status might change before departure.