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Our study of more than 50 travel insurance policies showed the average cost of travel insurance in the U.S. was $148. But not all travel insurance policies are the same. Some are much more comprehensive than others and, consequently, the range of costs between them can be wide. Our research found that the cost of a comprehensive travel insurance policy was 56% more, on average, than a basic travel insurance policy. A policyholder’s age also has a significant impact on the cost of their travel insurance. Average Cost of Travel Insurance Average Cost of Basic vs Comprehensive Travel Insurance Average Travel Insurance Cost By Age Methodology Average Cost of Travel Insurance We gathered travel insurance quotes for more than 50 different policies using a sample vacationer – a U.S. citizen living in the state of New York, going to the United Kingdom for one week in August. Some policies included in our study are more comprehensive than others, but the average across them is a good representation of what most travelers can expect to pay for such a trip. Considering all of the policies below, the average cost of travel insurance is $148. Company Average Premium Average Quote 148 AIG Travel Guard Platinum 216 AIG Travel Guard Gold 143 AIG Travel Guard Silver 122 AIG Travel Guard Basic 108 April Choice 89 Allianz Basic 109 Allianz Classic 141 Allianz Classic Trip Plus 191 AXA USA Silver 82 AXA USA Gold 142 AXA USA Platinum 172 Berkshire Hathaway ExactCare 143 Berkshire Hathaway ExactCare Family 122 Travel Insured International Worldwide Trip Protector 140 Travel Insured International Worldwide Trip Protector Lite 101 CSA Travel Protection Custom 151 CSA Travel Protection Custom Luxe 235 Global Alert Preferred 84 HTH TripProtector Classic 149 HTH TripProtector Preferred 181 IMT Services Travel Visa Medical 20 IMT Services Travel Visa Plus 128 IMG iTravelInsured SE 153 IMG Patriot International 21 IMG Patriot Multi-Trip International 200 John Hancock Bronze 85 John Hancock Gold 127 John Hancock Silver 117 MH Ross Asset 100 MH Ross Asset Plus 193 MH Ross Bridge 167 MH Ross Complete 267 Nationwide Essential 75 Nationwide Choice Cruise 136 Nationwide Luxury Cruise 159 Nationwide Universal Cruise 115 Nationwide Prime 153 Nationwide Academic Explorer All-Inclusive International 91 RoamRight Essential 104 RoamRight Preferred 136 RoamRight Elite 175 Seven Corners RoudTrip 100 Seven Corners RoundTrip Coice 143 Flight Insure Plus 39 Flight Insure Plus (Flight Only) 17 Travelex Travel Basic 111 Travelex Travel Select 166 Travelex Travel Max 312 TravelSafe Basic Plan 142 TravelSafe Classic Plan 123 TruTravel Insurance Economy 90 TruTravel Insurance Premier 131 Show All Rows Where someone is departing from, or traveling to, does not have as big an impact on rates as one might expect (unless they are traveling to an especially hazardous place). We experimented with departures from different states in the U.S. and when the final desitination remained the United Kingdom, the cost of the travel insurance policy typically remained the same. The states of New York and Jersey tended to have slightly higher premiums, but the difference was less that $10. We also maintained the final destination (the U.K.) and found that departing from most other countries other than the U.S. resulted in a significant increase in the average policy premium. It's hard to know what the reason behind that difference is – perhaps it is because the prices of the policies we were gathering quotes for are optimized for U.S. departures. Anything outside of the U.S. might simply be categorized as a different level of risk, regardless of where someone is departing from. Average Cost of Basic vs Comprehensive Travel Insurance Policies We took a closer look at some relatively basic travel insurance policies and some of the least expensive ones offered by carriers. Not surprisingly, the average cost of the basic policies was lower that the average cost of the more comprehensive plans. The more a travel insurance policy covers, or the higher claim limits it has, the higher the mean premium. Average Cost of Travel Insurance Coverage 105 Basic Coverage 130 Middle-Tier Coverage 164 Comprehensive Coverage Policyholders have quite a bit of control over the cost of travel insurance because they can choose what coverage they need or want. For contrast, if a homeowner needs to insure their house, there aren’t many things they can do to affect the cost, beyond shopping around for the cheapest carrier. The basic or silver tiers generally have less medical coverage or lower limits to claim than higher gold or platinum tiers. Average Travel Insurance Cost By Age In addition to the types of coverage and the claim limits, a person’s age has a substantial impact on the cost of travel insurance. No matter the type of policy someone buys, the price increases dramatically the older they are. Our analysis below showed that premiums remained relatively flat for travelers age one through 30, but then the cost begins to climb. The most drastic increases occur between ages 60 and 80. We attempted to gather quotes for travelers as old as 100, 105 and 110 but no companies offered quotes for our sample traveler of those ages. Age Cost of Premium 1 104 2 104 3 104 4 104 5 104 6 104 7 104 8 104 9 104 10 104 11 104 12 104 13 104 14 104 15 104 16 104 17 106 18 106 19 104 20 105 21 106 25 106 30 107 35 122 40 124 45 125 50 127 55 135 60 157 65 170 70 193 75 233 80 330 85 387 90 408 95 415 Show All Rows Methodology To access the cost of travel insurance in the U.S., we first researched and established a sample traveler to gather quotes for – a U.S. citizen living in the state of New York, going to the United Kingdom for one week in August, with an estimated trip cost of $2,500. We then collected more than 2,000 travel insurance quotes for 52 different policies offered by dozens of companies. Through September of 2017, more than 66.7 million U.S. citizens traveled internationally and millions purchased some form of travel insurance. Americans spent more than $2.2 billion on all types of travel protection in 2014, according to a survey of the travel insurance market by the U.S. Travel Insurance Association (UStiA). The same survey, which includes the most recent available data, also showed approximately 33.4 million U.S. citizens were covered by more than 24.5 million travel insurance plans. Comments and Questions
