insurouter

Free tool

Travel insurance needs wizard

Answer seven questions about a trip and see which travel coverage categories to ask about, with the two exclusions travellers most often find out about too late.

What it needs from you
Your trip cost, where you are going, and who is travelling
What you get back
The coverages to ask about, and the two exclusions people miss
1

About the trip

Where you are going and how much is already committed decide most of what follows.

Money already committed that you would not get back.

1 day120 days

The oldest traveler, since age bands are usually set by whoever is oldest on the policy.

099

Result

Coverage categories to ask about

0 from your answers3 worth raising

  • Travel medical

    Worth raising

    You are travelling domestically, so your own health plan is probably the main answer. Check whether the places you are going are in its network, because out of network care is where a domestic trip gets expensive.

  • Baggage and personal effects

    Worth raising

    Baggage cover is usually a small limit with sub-limits per item, and it sits behind what the airline owes you. Worth knowing what it is rather than counting on it.

  • Travel delay and missed connection

    Worth raising

    Delay benefits reimburse meals and a room once a delay passes a stated number of hours. That waiting period, and what counts as a covered reason for the delay, are the two things to check.

The two things travelers find out too late

Pre-existing condition look-back windows

Policies look back over a period before your coverage starts and treat a condition that existed, was treated or changed during that period as pre-existing. A claim connected to one is then excluded unless a waiver applies, and the waiver usually has to be bought within days of your first trip payment. The look-back period and the waiver deadline are both stated in the policy, and both are worth reading before you pay a deposit.

Adventure activity exclusions

Standard travel policies name activities they will not cover, and the list is longer than most people expect. Scuba diving below a stated depth, mountaineering, skiing off-piste, motorcycling and anything described as a competition are commonly on it. Ask about the specific activity you intend to do, by name, and get the answer in the policy wording rather than in conversation.

Read this with it

These are coverage categories to ask about, not products. We do not recommend a policy and we do not show prices.

What this will not do

It names no insurer and prints no price. A travel policy is priced on the trip cost, the ages and the destination, and the figure comes from a quote rather than from a table on a research site.

Methodology

How this tool works, and what it will not tell you

This is a rules table over your answers. Each rule is a condition, a coverage category and the plain reason the condition matters, and every rule that matches adds one row. Categories marked likely follow directly from an answer you gave; categories marked worth checking are plausible but not established by your answers. Two flags are shown on every result regardless of your answers, because the pre-existing condition look-back window and the adventure activity exclusion list are the two things travellers most often discover after a claim rather than before. Where the tool uses an age or a trip length to decide whether to raise a question, that threshold is ours and is stated in the assumptions below. It is not any carrier's rule, because carrier age bands and trip length caps are not published here in a form this site could cite. This tool produces no premium, no quote and no savings figure. Pricing depends on rate filings and underwriting data this site does not hold, so any number we printed there would be invented. We would rather show you the arithmetic we can stand behind.

Assumptions

  • Age 60 and above is the point at which this tool raises age banding as a question. It is our prompt threshold, not a carrier rule.
  • A trip longer than 30 days is the point at which this tool raises maximum trip length. Again, our threshold, not a carrier rule.
  • Trip cost means the prepaid, non-refundable money already committed.
  • One traveler. A policy covering several people has its own eligibility and age rules per traveler.

Limitations

  • No price, no quote and no product recommendation.
  • It does not know which policies are available where you live, and travel insurance availability and regulation vary by state and by country of residence.
  • It cannot read your policy. Every category here needs checking against actual wording, because the exclusions are where travel policies differ most.
  • It is not licensed insurance advice, and it is not medical advice about whether you are fit to travel.

This tool cites no outside source, because it adds up the numbers you type and nothing else. Where a figure comes from somewhere, the figure carries the citation.

Tool last reviewed 2026-09-30