Estimate the trip cancellation coverage and medical coverage you should look for, plus a typical premium cost range.
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Non-refundable flights, hotels, tours, etc.
Recommended Coverage
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Suggested Medical Coverage—
Typical Premium Range—
Formula
Trip cancellation coverage should match your total prepaid, non-refundable trip cost. Travel insurance premiums are commonly cited as roughly 4 to 10 percent of total trip cost.
Example
A $5,000 international trip suggests $5,000 in trip cancellation coverage, at least $100,000 in emergency medical coverage, and a typical premium in the $200 to $500 range.
Not tax or financial advice. This calculator provides general estimates based on published 2026 figures. Always confirm important figures with the IRS, SSA, your state tax agency, a licensed lender, or a qualified professional.
Frequently Asked Questions
Does my regular health insurance cover me abroad?
Most US health plans, including Medicare, provide little to no coverage outside the country, which is why emergency medical coverage matters for international travel.
Is the premium range a guaranteed quote?
No, it is a commonly cited industry range. Actual premiums depend on your age, trip cost, destination, and coverage selected. Compare real quotes before buying.