Travel Insurance Costs and Quote Calculator (2024)

How We Calculate Your Travel Insurance Price

When you enter your information into our quote form, have you wondered what happens behind the scenes to get you the right price for travel insurance?

It’s simple to get a quote to insure your trip. You only need to answer a handful of questions and an instant later we give you custom prices for your trip and the choice between three plans with different levels of protection. You can get the quote in an instant, but in the background we’re crunching numbers to make sure you get an accurate price for the coverage you need.

We’ve found the sweet spot to ask you the right questions to offer you the best price we can, while making the quote form easy to fill out. Consider this when shopping around: If a company is asking you too few questions, they may not be able to find the most accurate price for your travel situation.

Find out more about the factors that affect the price of a travel insurance quote

Why the different costs? Coverage differences between plans

Before choosing a travel insurance plan, here’s a snapshot of some of the coverage differences for each plan:

•Medical and Dental coveragereimburses you for necessary medical, surgical and emergency dental care costs if you get sick or accidentally injured while on your covered trip. Coverage is in excess of your standard coverage, except where prohibited. It’s included in all three plans but the per person limits vary from $50,000 for Standard to $150,000 for Preferred and $250,000 for Premium.

• Trip Interruption is one of the most common reasons for making a travel insurance claim.Trip Interruption coverageprovides reimbursem*nt for unused, non-refundable, pre-paid trip costs if your trip is interrupted due to a covered event. Also, it provides reimbursem*nt for additional transportation costs to return home or rejoin your group. Benefit limits vary by plan: 125% for Standard, 150% for Preferred and 175% for Premium.

Find out why you shouldn't just buy the cheapest travel insurance

• If you’re traveling with sports gear, then Sport Equipment Coverage is for you. It provides coverage for lost, stolen or damaged sporting equipment and is available with the Preferred plan up to $300 per person and Premium plan up to $500 per person, but not available in the Standard plan.

• If you have aPre-existing medical condition, you could still have coverage, but only through thePremium plan. See if you meet the requirements and read the sampleDescription of Coverage or Policyfor full details. Also, the Premium plan must be purchased prior to or within 24 hours of final trip payment.