How Much Does Travel Insurance Cost?
Travel insurance prices vary according to the type of coverage you need, your age, destination, length of travel, trip cost, and the coverage limit you select.
Trip protection plans that insure prepaid, nonrefundable trip expenses are often priced as a percentage of the insured trip cost. Travel medical insurance is commonly priced by the day and can cost considerably less because it does not insure the full cost of a canceled trip.
For WorldTrips customers, the type of insurance available also depends on where you live and where you are traveling. Trip protection plans are available to eligible U.S. residents. Travel medical insurance is available to eligible international travelers, including U.S. residents traveling abroad and visitors traveling outside their home country.
What Is the Average Cost of Travel Insurance?
Travel insurance does not have one standard price because several different types of insurance fall under the term "travel insurance."
Industry data indicates that trip protection plans commonly cost approximately 4% to 10% of prepaid, non-refundable trip expenses. A $5,000 trip, for example, could result in a premium of roughly $200 to $500 within that range.
Travel medical insurance uses a different pricing model. Instead of primarily basing the premium on the value of your vacation, a travel medical plan generally considers factors such as your age, length of coverage, destination, deductible, and medical coverage maximum.
WorldTrips Travel Insurance Cost Examples
The following examples can help illustrate how the price of different types of coverage can vary.
Type of coverage |
Example WorldTrips cost |
How pricing generally works |
|---|---|---|
| Atlas Journey trip protection | $145 for an 8-day, $3,800 trip cost for a 60 yr-old.* | Based on factors including traveler age, trip cost, destination, trip length, state of residence, plan level, and selected upgrades |
| Atlas Travel medical insurance | $29.12 for 7-day trip with $100,000 maximum limit and $0 deductible for a 50 yr-old.* | Based primarily on age, destination, number of coverage days, deductible, and coverage maximum |
| Atlas Premium | $40.74 for 7-day trip with $100,000 maximum limit and $0 deductible for a 50 yr-old.* | Based primarily on age, destination, number of coverage days, deductible, and coverage maximum |
| Atlas America visitor medical insurance | $52.43 for 7-day trip with $100,000 maximum limit and $0 deductible for a 50 yr-old.* | Based on age, length of stay, deductible, coverage maximum, and U.S. destination |
| Atlas MultiTrip annual travel medical insurance | From $193/yr for trips outside the US and trip lengths less than 30 days.* | Based on selected coverage area and maximum trip duration |
*Quote data from September 2026. Pricing will vary based on individual and trip-related factors.
Why Does Travel Insurance Cost Vary?
Two travelers going to the same destination can receive different prices because travel insurance companies consider several characteristics of the traveler, trip, and coverage.
Traveler Age
Age can affect both trip protection and travel medical insurance premiums. Travel medical insurance commonly uses age bands when calculating daily rates.
Trip Cost
The amount you insure has a significant effect on the price of trip protection insurance. A traveler protecting $10,000 of prepaid, nonrefundable expenses will generally pay more than a traveler protecting $2,000.
Travel medical insurance works differently because it typically does not insure your entire prepaid trip cost.
Length of Travel
Longer trips generally cost more to insure because coverage remains in effect for more days.
For travel medical insurance, the premium is commonly calculated using a daily rate.
Destination
Your destination can affect your travel medical insurance premium. Medical care in the United States can be particularly expensive, so travel medical plans that include coverage in the U.S. may cost more than plans covering travel outside the U.S.
Coverage Amount
Higher medical coverage maximums can increase the premium.
WorldTrips Atlas Travel plans allow eligible travelers to select different deductible and overall coverage maximum combinations. The overall maximum can be limited by age.
Atlas Travel maximum coverage options for ages up to 64 include: $50,000, $100,000, $250,000, $500,000, $1,000,000 and $2,000,000
Travelers ages 65-79 have maximum coverage options of $50,000 and $100,000
Travelers ages 80 and older are limited to a maximum coverage of $10,000
Deductible
For travel medical insurance, selecting a higher deductible will generally reduce the premium. Selecting a lower deductible will generally increase it.
Atlas Travel deductible options: $0, $100, $250, $500, $1,000, $2,500, $5,000
Optional Coverage
Optional benefits can also increase the price of a trip protection plan. Depending on the WorldTrips Atlas Journey plan and state of residence, available options may include Cancel for Any Reason, Adventure Sports, Rental Car Damage and Theft, additional Medical Evacuation, and Pet Care.
Travel Medical plans offer the option to add Device protection, additional Crisis Response, additional Personal Liability, and additional AD&D coverage with Atlas Travel.
How Much Does Vacation Insurance Cost?
"Vacation insurance" usually refers to trip protection insurance that can cover prepaid, non-refundable expenses if you must cancel or interrupt your trip for a covered reason.
A useful starting point is approximately 4% to 10% of your insured trip cost, although the actual premium can fall outside this range.
Here are several WorldTrips pricing examples to show how costs can vary.
Sample Atlas Journey Trip Protection Costs*
Traveler |
Trip |
Trip cost |
Escape |
Elevate |
|---|---|---|---|---|
| Age 25 | 7 days in Caribbean | $3,000 | $54.00 | $78.00 |
| Age 40 | 12 days in the U.S. | $5,000 | $114,00 | $154.00 |
| Age 60 | 14 days in Japan | $8,000 | $352.00 | $451.00 |
| Age 80 | 30 days in Europe | $12,000 | N/A | $2,420.00 |
*Quote data from September 2026. Pricing will vary based on individual and trip-related factors.
WorldTrips Atlas Journey plans are available to eligible U.S. residents. Your actual price depends on your trip details, state of residence, plan level, traveler information, and optional benefits.
How Much Does Travel Medical Insurance Cost?
Travel medical insurance can start at only a few dollars for a short international trip, while coverage for an older traveler, a longer trip, travel involving the United States, or higher coverage amounts can cost considerably more.
WorldTrips Atlas Travel currently starts at approximately $1.12 per person, per day.
For example, a 40-year-old traveling to France for seven days with a $0 deductible and $100,000 maximum could pay $17.64.
A 60-year-old traveling to Japan for 30 days with the same coverage selections could pay $75.60.
These examples demonstrate why a daily rate is more useful than a percentage of trip cost when comparing travel medical insurance.
How Much Does International Travel Health Insurance Cost?
International travel health insurance is another common term for travel medical insurance.
WorldTrips calls this coverage travel medical insurance. Atlas Travel and Atlas Premium are designed to provide temporary medical coverage while you are traveling outside your home country.
Because the premium is based largely on medical risk rather than the amount you spent on airfare and hotels, international travel medical insurance can cost considerably less than a trip protection plan.
How Much Does Visitor Insurance Cost?
Visitors traveling internationally, including people visiting the United States, can purchase travel medical insurance designed for temporary international travel.
WorldTrips Atlas America coverage for visitors to the U.S. starts at $1.62 per person, per day.
For example, a 40-year-old traveling to the United States for seven days with a $0 deductible and $100,000 maximum could pay $87.00.
A visitor's actual premium depends on age, coverage duration, deductible, and selected medical coverage maximum.
Because U.S. medical care can be expensive, insurance that includes the United States may have a higher daily rate than comparable coverage for travel outside the U.S.
How Much Does Medical Evacuation Insurance Cost?
Emergency medical evacuation coverage is included in many WorldTrips travel insurance plans rather than sold as a separate WorldTrips medical evacuation policy.
That means there may not be a separate "medical evacuation insurance price." Instead, the cost is part of the total premium for the travel medical or trip protection plan you purchase.
Atlas Travel, Atlas Premium, Atlas Journey, and eligible WorldTrips student plans include emergency medical evacuation benefits, subject to the terms and limits of the selected plan.
Some Atlas Journey plans may also offer an optional Medical Evacuation upgrade.
When comparing evacuation coverage, review both the premium and the maximum evacuation benefit. Also confirm who coordinates an evacuation, where you may be transported, and what circumstances must be met for coverage to apply.
How Much Is Travel Insurance for a Flight?
Travel insurance is generally not priced according to the price of your airline ticket alone.
If you purchase trip protection and your airfare is one of your prepaid, nonrefundable trip expenses, your airfare may form part of the trip cost you insure.
For example, if your flight costs $800 but your prepaid airfare, hotel, cruise, and excursions total $4,000, trip protection pricing may be based on the insured trip cost rather than the $800 ticket alone.
Travel medical insurance works differently and doesn’t cover flights.
Trip Protection vs. Travel Medical Insurance Cost
The first question to answer is what you want to protect.
|
If you want coverage primarily for... |
Consider |
|---|---|
| Prepaid vacation costs | Atlas Journey |
| Trip Cancellation | Atlas Journey |
| International medical expenses | Atlas Travel |
| A visitor traveling to the U.S. | Atlas America |
| Several international trips during one year | Atlas MultiTrip |
| Emergency medical evacuation while traveling | WorldTrips’ trip protection and travel medical plans all include emergency medical evacuation |
WorldTrips trip protection plans are available to eligible U.S. residents.
WorldTrips travel medical insurance is designed for international travel outside the traveler's home country. Eligibility and available coverage depend on the traveler's home country, destination, age, and other plan requirements.
How Can I Estimate My Travel Insurance Cost?
The most accurate way to determine your cost is to get a quote using your actual trip information.
For trip protection, be prepared to enter information such as your age, residence, travel dates, destination, and prepaid trip cost.
For travel medical insurance, you will generally need your age, coverage dates, destination, preferred deductible, and desired medical coverage maximum.
A quote allows you to compare prices while adjusting coverage rather than relying on a national average that may not reflect your trip.
How Should I Compare Travel Insurance Prices?
Price is one part of the comparison.
Review the medical coverage maximum, deductible, emergency medical evacuation benefit, trip cancellation and interruption benefits when applicable, baggage benefits, exclusions, pre-existing condition provisions, optional benefits, and travel assistance services.
Two policies with different prices may also provide substantially different benefits.
Frequently Asked Questions
What is the average price of travel insurance?
Trip protection plans commonly cost approximately 4% to 10% of prepaid, nonrefundable trip expenses. Travel medical insurance uses a different pricing model and may cost only a few dollars per day depending on the traveler and coverage selected.
How much should I expect to pay for travel insurance?
Your price depends on the type of insurance. Trip protection generally costs more because it can insure prepaid trip expenses. Travel medical insurance is commonly priced per person, per day.
Does travel insurance get more expensive with age?
Age can affect the premium. The effect varies by product, but higher age bands generally result in higher travel medical insurance rates.
Is international travel insurance expensive?
It depends on the coverage. Travel medical insurance for a short international trip can be relatively inexpensive, while trip protection for an expensive vacation can cost hundreds of dollars because it protects prepaid trip expenses.
What travel health insurance should I choose?
Start with your destination, length of travel, existing health coverage, medical coverage needs, deductible preference, and whether you need protection for prepaid trip expenses. Compare plan benefits, limits, exclusions, and price before selecting coverage.
Does travel medical insurance include emergency evacuation?
WorldTrips Atlas Travel and Atlas Premium plans include emergency medical evacuation coverage, subject to plan terms, conditions, exclusions, and benefit limits.
Can I get an exact travel insurance price before buying?
Yes. A WorldTrips quote will show the premium based on the travel and coverage information you provide.
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WorldTrips is a service company and a member of the Tokio Marine HCC group of companies.
WorldTrips' Atlas Journey, Atlas Cruiser, and Atlas On-The-Go trip protection insurance products are underwritten by Tokio Marine HCC's U.S. Specialty Insurance Company (USSIC). USSIC is a Texas-domiciled insurance company operating on an admitted basis throughout the United States. Coverage is available to U.S. residents of the U.S. states and District of Columbia only. This plan provides insurance coverage that only applies during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home, and automobile insurance policies. Coverage may not be available in all states.
In the State of California, operating as WorldTrips Insurance Services. California Non-Resident Producer License Number: 0G39705
WorldTrips international travel medical insurance products are underwritten through binding authorities with TMHCC (CI) Insurance SPC Ltd and Houston Casualty Company (HC).