Answers from TravallamaINS, a licensed independent travel insurance agency, to common questions about this. Benefits, limits and conditions differ by plan and by state, and the plan document governs.
The price depends on your trip cost, each traveler's age, your state, and the plan you choose, so there is no single rate.
You can see the exact price for your trip in about a minute at travallamains.com. Getting a quote does not buy anything.
The insurance company calculates the price from the details you enter: each traveler's age, the trip cost you insure, your state of residence, your travel dates, the plan, and any optional upgrades you add.
The price shown on our site is the insurance company's price for those details.
Insure the full prepaid, non-refundable cost of the trip: the program or tour, airfare, hotels, cruise fare and prepaid excursions.
You can insure less than the full cost, but it limits what you can claim and can cost you important benefits.
Points, miles, vouchers and credits are not counted as trip payments, so do not include their value in your trip cost. Insure only what you paid in money, such as the taxes and fees on an award ticket.
Some plans reimburse the fee an airline charges to redeposit your miles after a covered cancellation: up to $250 on Trawick Pathway Premier and WorldTrips Explore and Elevate, and up to $500 on the WorldTrips New York plans.
The insurance companies price each traveler by age, and the price generally rises with age. Each traveler is priced on their own age and trip cost.
The quote shows the total for everyone on the plan.
The exact price is shown when you open Optional upgrades on a plan card, and the plan total updates when you add it. It is priced by the insurance company from your trip details.
We do not set or discount the price. The price shown is the insurance company's price for your trip details.
If your budget is the concern, compare the plans on our site: the lower-priced plan in each pair has lower benefit limits rather than a discount.
Possibly. Travel Insured's plans can be issued with a $0 trip cost, which keeps the medical, evacuation, delay and baggage benefits without trip cancellation. Trip interruption is then limited (on Platinum and the New York plan, to $500 toward a return air ticket).
Our online quote asks for a trip cost, so for a medical-only quote please use Request a personal quote or email info@travallamains.com and a licensed agent will help.
Include taxes, fees and gratuities only if you prepaid them and they are non-refundable. Amounts you pay at the destination are not part of the insured trip cost.
Last updated October 2026.
For residents of Florida, California, Illinois, Michigan, North Carolina and New York. Enter your state, dates and trip cost to see the plan options side by side. Getting a quote does not buy insurance.