Estimate what travel insurance will cost for your trip, and which coverage tier makes sense — free, no sign-up required.
| Basic | |
| Comprehensive | |
| Cancel-for-any-reason (CFAR) |
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Travel insurance typically costs 4% to 12% of your total prepaid, non-refundable trip cost, depending mainly on your age, trip length, and how comprehensive the coverage is.
For expensive trips, older travelers, or destinations with adventure activities, comprehensive coverage — especially strong emergency medical evacuation limits — is usually worth the roughly 30% premium over a basic policy.
CFAR lets you cancel for reasons a standard policy wouldn't cover, but it typically costs 40-60% more than a standard plan, must be purchased within 14-21 days of your first trip deposit, and only reimburses a portion (often 50-75%) of your trip cost.
Often less critical than for international travel, since your existing health insurance usually covers emergency care — but trip cancellation coverage can still be worth it for an expensive, non-refundable domestic trip.