Travel Insurance Checker

Find out whether travel insurance is recommended or optional for your trip.

Estimates what comprehensive coverage will cost (low / typical / high). Not a policy quote — premiums and coverage vary by carrier and policy.

Trip details

Prepaid, non-refundable trip cost (for one traveler)

The insured trip investment (flights, lodging, tours). Premiums scale per traveler below.

Destination

Traveler age

Trip duration (days)

Number of travelers

Trip type

Coverage options (optional)

Cancel-For-Any-Reason (CFAR) Pre-existing medical condition waiver Adventure-sports add-on Rental-car damage add-on

Recommendation

Estimated premium (comprehensive policy)

Low

—

~4% of trip cost

Typical

—

~6% of trip cost

High

—

~10% of trip cost

What a comprehensive policy typically covers

Trip cancellation / interruption (capped at reimbursable trip cost)
Emergency medical (capped benefit — commonly $50,000–$500,000)
Emergency evacuation (capped benefit — commonly $100,000–$1M+)
Baggage & delayed baggage
CFAR reimbursement of ~50–75% of trip cost for any reason
Pre-existing medical condition waiver

Medical and evacuation are fixed benefit caps, NOT a percentage of trip cost — a cheap policy relative to trip cost may have thin limits. Check those caps explicitly for international travel.

This tool estimates and recommends at a general level; it does not quote, sell, or underwrite insurance. Premiums and coverage vary by carrier and policy language. Read the policy wording and confirm coverage with the insurer.

Data sources

Pricing rule: ~4–10% of trip cost (InsureMyTrip/NAIC), ~6–7% typical (NerdWallet). Age multiplier follows a smooth curve from ~4.5% (age 25) to ~11% (age 70+) per MoneyGeek/age data, normalized so the 6% typical applies at age 40. Trips over 14 days add +0.75% of premium per additional week (per the spec's duration factor).