🛡

Travel Insurance Coverage Level

Score the adequacy of your travel insurance medical and cancellation coverage relative to your destination risk level and trip investment to ensure you are not underinsured.

Total non-refundable trip investment including flights, hotels, and tours.
Number of days you will be travelling.
Maximum medical expense coverage per your policy.
Maximum trip cancellation reimbursement per your policy.
Destination affects the minimum recommended medical coverage.

Results

Medical Coverage Adequacy100%
Cancellation Coverage100%
Overall Coverage Score100%

📖What is it?

Travel insurance adequacy depends heavily on your destination's medical cost structure and your total non-refundable trip investment. A $100,000 medical policy is generous for Southeast Asia but dangerously low for the USA, where a single helicopter evacuation can exceed $50,000.

🎯How to use

1. Enter your total trip cost and trip duration. 2. Enter your policy's medical and cancellation coverage limits. 3. Select your destination's cost tier. The calculator scores each coverage dimension and produces an overall adequacy score.

💡Example scenario

Travelling to Europe for 14 days with a $3,000 trip. Policy offers $100,000 medical (adequate Europe = $100,000 � score 100%) and $5,000 cancellation vs $3,000 trip cost (score capped at 100%). Overall score = 100%. Well covered.

🏆Pro tip

For the USA, target a minimum of $500,000 medical coverage � a 3-day hospital stay can cost $30,000�$150,000 without insurance. Always include emergency medical evacuation coverage (separate from medical expenses). "Cancel for Any Reason" (CFAR) upgrades cost 40�60% more but reimburse 75% of trip cost regardless of reason � valuable for non-refundable luxury trips.