Travel Insurance Calculator
Project your trip insurance costs across comprehensive cancellation, emergency medical evacuation, Schengen visa compliance, and Cancel For Any Reason (CFAR) packages.
Trip Details & Destination
* Travel insurance pricing represents market benchmark models. Exact policy costs depend on traveler medical underwriting, carrier, and state of residence.
Compare local insurance rates with vetted state-licensed carriers
Learn about our independent valuation standards →Why Emergency Medical Evacuation Coverage Matters
If you fall seriously ill or sustain trauma while traveling abroad, a standard commercial flight might not be safe. International medical transport requires specialized private air ambulances with ICU equipment:
Air Ambulance from Europe to US
Out-of-pocket cost: $75,000 – $150,000. Requires medical transport staff, doctors, and international aviation permits.
Evacuation from Asia / Remote Islands
Out-of-pocket cost: $150,000 – $250,000+. Long-haul flight logistics with continuous intensive life support.
Severe Weather Trip Cancellation
Protection: 100% reimbursement of non-refundable flights, cruise fares, and resort packages when airport operations cease.
Lost & Delayed Baggage Reimbursement
Protection: $500 – $2,500 for clothing, tech gear, and toiletries to keep your vacation moving forward without disruption.
Trip Protection Checklist
- • Book policy within 14 days of initial deposit
- • Verify pre-existing medical condition exclusion waiver
- • Confirm 24/7 global multilingual emergency hotline
- • Ensure medical evacuation coverage is at least $250,000
Other Protection Calculators
Travel Insurance Frequently Asked Questions
Clear, unbiased answers regarding insurance calculations, coverage factors, and rate dynamics.
How much does travel insurance cost?
Comprehensive travel insurance typically costs between 4% and 10% of your total prepaid, non-refundable trip expenses. For a $3,500 vacation, expect to pay between $150 and $250. Standalone travel medical policies without cancellation benefits cost considerably less, often averaging $2 to $5 per person per day.
What is Cancel For Any Reason (CFAR) coverage?
Standard travel insurance only reimburses trip cancellations for covered unforeseen events (such as illness, injury, jury duty, or severe weather). CFAR is an optional add-on that permits you to cancel for literally any reason (fear of travel, work schedule conflicts, change of mind) and typically reimburses 50% to 75% of your non-refundable trip costs when canceled at least 48 hours prior to departure.
Does my domestic US health insurance cover me abroad?
Most standard US domestic private health plans and Medicare provide zero or strictly emergency-limited coverage once you travel outside the United States. Furthermore, foreign hospitals frequently demand upfront cash or credit card payments before discharge. International travel medical insurance bridges this critical gap.
Does travel insurance cover flight delays and lost baggage?
Yes! Comprehensive travel insurance policies provide reimbursement allowances for essential clothing, toiletries, and meals if your luggage or connecting flight is delayed by a specified threshold (typically 6 to 12 hours), as well as outright reimbursement for permanently lost baggage.
When should I purchase travel insurance?
Ideally, you should purchase travel insurance within 10 to 14 days of making your initial trip deposit. Buying early secures time-sensitive benefits such as pre-existing medical condition waivers, hurricane coverage before named storms form, and CFAR eligibility.