Travel Insurance Needs Estimator

Find out how much travel insurance coverage you need based on your trip. Get personalized recommendations for each coverage type.

Total Trip Cost ($) Flights + hotels + pre-paid tours

Destination Region

Trip Duration (days)

Traveler Ages Comma-separated if multiple

Planned Activities (select all that apply)

Your Recommended Coverage

Estimated Total Insurance Cost

$0 – $0

Credit Card vs Insurance Comparison

Coverage Type	Credit Card	Basic Plan	Comprehensive
Trip Cancellation	⚠️ Limited	✓ Up to 100%	✓ Up to 100%
Emergency Medical	✗ Usually none	✓ $50k–$100k	✓ $250k–$500k
Medical Evacuation	✗ No	⚠️ $100k–$250k	✓ $500k–$1M
Baggage Loss	⚠️ Limited	✓ $1k–$2k	✓ $2k–$5k
Travel Delay	⚠️ Some cards	✓ $100/day	✓ $200/day
Adventure Sports	✗ No	✗ Add-on required	⚠️ Add-on
Pre-existing Conditions	✗ No	✗ Usually not	⚠️ With waiver
Cancel for Any Reason	✗ No	✗ No	⚠️ Upgrade option
Approximate Annual Cost	$0 (included)	3–5% of trip	6–10% of trip

⚠️ What Travel Insurance Does NOT Cover

Pre-existing medical conditions — unless you purchase a waiver at time of booking
Known events — if a hurricane is already named or a pandemic already declared, cancellation may not be covered
War, civil unrest, terrorism — most standard policies exclude these (specialist policies available)
Extreme/prohibited sports — e.g. free solo climbing, base jumping — without a specific rider
Traveling against government advice — if your government issues a "Do Not Travel" warning for your destination
Intoxication-related incidents — accidents while under influence of alcohol or drugs are typically excluded
Valuables left unattended — leaving bags/camera/passport unsupervised in public places is often excluded
Illegal activities of any kind

Disclaimer: This tool provides estimates for educational purposes only. Actual coverage requirements and policy costs vary significantly by insurer, your home country, health status, and specific policy terms. Always read your policy wording carefully and consult an insurance professional before purchasing.

Do I Really Need Travel Insurance?

Medical emergencies abroad can be extremely expensive. A helicopter evacuation from a remote hiking trail can cost $50,000–$200,000. Hospitalization in the US for a foreign visitor averages $10,000+ per day. Most domestic health insurance provides no or very limited coverage outside your home country.

Trip cancellation protection is especially valuable for trips booked months in advance with non-refundable components. Typical reimbursement covers: illness, injury, death of family member, jury duty, job loss, severe weather, and carrier bankruptcy.

Medical evacuation is often the most critical coverage. Even if you receive treatment locally, repatriation to your home country can be prohibitively expensive without insurance.