Calculate how much travel insurance you need for your trip. Compare coverage types and costs. Free travel insurance guide. No signup required.
Most travelers either skip travel insurance entirely or buy the cheapest policy without understanding what it covers. A policy without adequate medical evacuation coverage can leave you with a $100,000+ bill for a helicopter evacuation in a remote area. Our calculator helps you determine the right coverage level based on your destination, trip cost, and health insurance situation.
Key coverage types to understand: Trip cancellation: reimburses prepaid non-refundable costs if you cancel for covered reason (illness, death in family, job loss). Medical: covers emergency treatment abroad — most US health insurance does not cover international care. Medical evacuation: covers transport to appropriate medical facility — most critical and expensive coverage. Baggage: covers lost or delayed luggage. Cancel for any reason CFAR: premium add-on covering any cancellation reason at 75% reimbursement.
Check before buying travel insurance: Credit card travel benefits — many premium cards offer trip cancellation and baggage coverage. Health insurance international coverage — most US plans cover emergencies abroad (but not evacuation). Medicare does NOT cover international travel. ACA marketplace plans provide very limited international coverage. Annual multi-trip policies make sense for frequent travelers taking 3+ trips per year.
Standard comprehensive travel insurance costs 4-10% of total trip cost. On a $3,000 trip: $120-$300 for comprehensive coverage. Medical-only policies are cheaper. Cancel for any reason CFAR adds 40-50% to premium. Annual multi-trip policies cost $200-$500/year and cover unlimited trips under 30-60 days each — excellent value for frequent travelers.
It depends on the policy. Standard policies require specific covered reasons for cancellation — testing positive for COVID before departure qualifies as illness-related cancellation under most current policies. Fear of COVID or destination entry restrictions do not qualify under standard policies. Cancel for any reason CFAR covers any reason including COVID fear.
Medical evacuation coverage pays for transport to the nearest appropriate medical facility or back to your home country when local care is inadequate. Helicopter evacuation from a mountain or remote area: $15,000-$100,000. Medically equipped air ambulance from abroad: $50,000-$300,000. Without this coverage you pay out of pocket. Look for at least $100,000 in evacuation coverage — $500,000 for remote destination travel.
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The Travel Insurance Calculator — Find the Right Coverage for Your Trip uses the same formulas, rates, and reference data that financial planners, professionals, and government sources publish. Results are estimates intended for planning and education — for situations involving large sums or legal consequences, confirm with a qualified professional before acting.
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