Travel Insurance Quote Comparison

Quotes are hard to compare because a cheaper premium often comes with lower limits or a deductible. This tool lets you enter up to three real quotes and a scenario loss, such as an emergency hospital bill abroad, and shows how much you would pay yourself under each plan plus the premium.

How it works. For each plan the tool takes the scenario loss, subtracts the deductible, caps the payout at the benefit limit that applies to that kind of loss, and treats the remainder as your out-of-pocket cost. It then adds the premium to give a combined cost. The plan with the lowest combined cost for that scenario is highlighted.

Worked example (illustrative). With a $12,000 scenario, Plan A pays up to $5,000 after a $250 deductible, so the insurer pays $5,000 and you pay the remaining $7,000, plus the $120 premium, a combined $7,120. Plan B has no deductible and a $25,000 limit, so it pays the full $12,000 and your combined cost is just the $240 premium.

Limits. One scenario is not a forecast. Run it again with a smaller loss, such as a $1,500 urgent-care visit, and a larger one, such as an air ambulance bill, to see how the ranking changes. The tool ignores coinsurance, sublimits, exclusions and whether a plan is primary or secondary, so read the policy document for those.