// multi-utility computation suite · offline · instant · precise
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travel.travel-insurance-value Calculator
Estimates the expected value of a travel insurance policy by comparing premium to the probability-weighted potential loss from cancellation, medical, and baggage claims. Travel insurance is worth buying when the cost of cancellation or overseas medical care vastly exceeds the premium.
Inputs
Trip Cost
Reference formula or conversion factor shown for context.
Medical Limit
Age in completed years. Many health and fitness formulas adjust for age.
Cancel Pct
Age in completed years. Many health and fitness formulas adjust for age.
Premium
Reference formula or conversion factor shown for context.
Results
trip cancellation coverage
The fraction of the total that is protected, tested, or accounted for. Higher coverage reduces risk of gaps.
medical coverage
The fraction of the total that is protected, tested, or accounted for. Higher coverage reduces risk of gaps.
premium
The price paid for the option or insurance coverage. Option premium = intrinsic value + time value + volatility premium.
premium % of trip cost
The price paid for the option or insurance coverage. Option premium = intrinsic value + time value + volatility premium.
typical range
The difference between the maximum and minimum values.
worth it for
Reference formula or conversion factor shown for context.