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Specialty · travel

A travel insurance calculator that compares standard cover with Cancel For Any Reason

The traveler enters prepaid non-refundable trip cost, the number of travelers and the quoted rates with and without Cancel For Any Reason. Your agency sees the trip size, party size and how much flexibility the traveler wants.

This travel insurance calculator turns a quoted rate into a premium, splits it per traveler, prices the Cancel For Any Reason upgrade, and compares what the traveler would get back if they cancel for a covered reason, under CFAR, or with no coverage at all. Agencies use it to explain trip protection before the traveler books elsewhere.

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Included on every plan, including the free Producer plan.

LiveLive calculatorEstimates of coverage need, never quotes or offers of insurance.

This is the real widget your visitors use. On this site its lead form is switched off.

New lead · pre-qualified

What the inputs tell you before the call

InputsWhat it tells your producer
Prepaid Non-Refundable Trip CostTrip size tells you the premium involved and whether this is a high-value cruise or tour worth a careful review.
Number of TravelersParty size suggests a family or group, which may raise travel medical and age questions.
Quoted Rate (% of trip cost)A rate taken from a quote means the traveler is shopping; timing matters because CFAR and pre-existing waivers often have purchase windows.
Rate with Cancel For Any Reason (% of trip cost)Any value here shows the traveler wants flexibility beyond listed reasons.
Cancel For Any Reason Reimbursement (%)The CFAR percentage they entered shows which plan design they are comparing.

Your first call

How do you open a travel insurance lead?

Travel leads are time-sensitive. Purchase windows for CFAR and pre-existing condition waivers usually start at the first trip payment, so confirm dates first and keep promises out of it.

  1. 01You're insuring [trip cost] for [travelers] travelers. When did you make your first trip payment? Some benefits, like Cancel For Any Reason, usually must be added within a short time after it.
  2. 02With CFAR you'd get back about [CFAR repayment] if you cancel for a reason the base plan doesn't list, versus [covered repayment] for a covered reason. Would you like me to walk through what the covered reasons are?
  3. 03Does anyone traveling have a medical condition that's been treated recently? Pre-existing condition waivers often depend on buying soon after the first payment and insuring the full trip cost.

Where to place it on your site

  • Travel insurance page

    Travelers comparing plans see their premium and CFAR trade-off in one place.

  • Content for retirees and Medicare clients

    Coverage abroad is limited under most US plans and Original Medicare, so travel medical is a real need.

  • Travel adviser partner page

    Advisers can send clients the link at booking, when purchase windows start.

What does the travel insurance calculator compare?

It multiplies the insured trip cost by the quoted rate to estimate the premium and divides it by the number of travelers. It prices the CFAR version from its own rate, then compares three outcomes if the trip is cancelled: full repayment for a covered reason, partial repayment under CFAR, and the full trip cost at risk without coverage.

Cancel For Any Reason usually repays 50% to 75% of the trip cost, depending on the plan design, so the traveler enters the percentage from the policy. The calculator shows that amount next to the premium difference, which is the heart of the CFAR decision.

Premiums are only the rates the traveler enters. Actual prices depend on ages, trip length, destination, state of residence and the plan chosen, and the disclaimer says so.

Which travel insurance terms does the calculator explain?

The definitions cover trip cancellation, insured trip cost, Cancel For Any Reason, trip interruption, travel medical and evacuation, and pre-existing condition waivers. They explain that changing your mind is usually not a covered reason, and that CFAR generally must be bought soon after the first trip payment, with the full trip cost insured.

The travel medical definition notes that most US health plans and Original Medicare provide little or no coverage abroad. That gives older travelers and Medicare-age clients a reason to talk to a producer even when trip cost is modest.

The insured trip cost definition encourages travelers to insure only the non-refundable portion and add later payments, which keeps premiums proportionate.

Which agencies benefit from a travel insurance calculator?

Agencies that offer travel plans through an insurer or program, agencies serving retirees and Medicare clients who travel abroad, and agencies working alongside travel advisers. Travel inquiries are quick, seasonal and often the first contact a household has with an agency, which makes them a useful way to meet new clients.

A traveler who insures a large cruise or tour often has a home, cars and savings too. The lead captures contact details and consent, so a travel conversation can lead to a broader review where you are licensed.

Travel advisers can share the direct link with their clients, and campaign attribution shows which partner or page sent each lead.

Travel Insurance Cost Calculator

Terms the widget explains

Trip cancellation coverage
Repays prepaid, non-refundable trip costs if you cancel for a reason the policy covers, such as illness or injury of a traveler or family member, a death, severe weather or a carrier strike. Changing your mind or work conflicts are usually not covered.
Insured trip cost
The amount you insure — the non-refundable portion of what you have prepaid. Premiums are commonly quoted as a percentage of it, so insuring only what you would actually lose keeps the cost down. Add later payments to the policy as you make them.
Cancel For Any Reason (CFAR)
An optional upgrade that repays part of your trip cost, commonly 50% or 75%, if you cancel for a reason the base policy does not cover. It usually must be bought within a short window after your first trip payment and requires cancelling at least two days before departure.
Trip interruption
Pays unused prepaid costs and extra travel expenses if a covered reason forces you to cut a trip short or join it late. Many plans pay up to 150% of the trip cost for interruption.
Travel medical and evacuation
Covers emergency medical care and transport to a suitable hospital or home while traveling. Most U.S. health plans and Original Medicare offer little or no coverage abroad, and an air evacuation can cost tens of thousands of dollars.
Pre-existing condition waiver
Many plans exclude cancellations caused by a pre-existing medical condition unless the plan is bought within a short time of the first trip payment and the full trip cost is insured. Check the look-back period in the policy.

What to offer next

Pet Insurance Value Calculator

Both are quick specialty decisions; households that travel often have pets to plan for too.

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Medicare IRMAA Calculator

Medicare-age travelers planning retirement income may also want to see how income affects their Part B and Part D premiums.

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Life insurance needs

A large trip often coincides with life milestones, such as retirement or a family wedding, that prompt a coverage review.

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Compliance notes for this line

  • The premium shown is the traveler's own quoted rate applied to their trip cost. It is not a quote, and covered reasons, limits and exclusions depend on the policy wording.
  • Do not describe Cancel For Any Reason as full reimbursement; it usually repays a percentage of the trip cost and has its own purchase and cancellation deadlines.
  • Travel insurance licensing varies by state, and some states allow limited lines licenses for travel retailers. Confirm what your producers and partners may sell.
  • Get TCPA-compliant consent before calling or texting travel leads; seasonal campaigns are no exception. This is not legal advice.

InsuranceQuoteWidget is software. It is not an insurance agency or producer and does not quote, sell or bind insurance. Insurance licensing and marketing rules vary by state.

How to word consent for calls and texts

FAQ

Questions agencies ask

Answers first, details after.

Does the calculator price travel insurance?

No. It applies the rate the traveler enters from their quote to the insured trip cost. Real prices depend on ages, trip length, destination, state and plan, so the premium shown is only as good as the quoted rate.

How much does Cancel For Any Reason repay?

CFAR typically repays 50% to 75% of the insured trip cost, depending on the plan. The traveler enters the percentage from their policy, and the calculator shows the dollar amount alongside the extra premium.

What does At Risk if You Cancel Without Coverage mean?

It is the prepaid, non-refundable trip cost the traveler would lose if they cancelled with no insurance. Seeing that figure next to the premium is often what prompts a decision.

Why does the calculator ask for non-refundable cost only?

Premiums are commonly a percentage of the insured trip cost, so insuring only what would actually be lost keeps the cost down. The definitions suggest adding later payments to the policy as they are made.

Does it explain CFAR purchase deadlines?

Yes. The disclaimer and definitions explain that CFAR usually must be bought within a set time after the first trip payment, requires insuring the full trip cost and has its own cancellation deadline, commonly at least two days before departure.

Does it cover travel medical insurance?

It explains travel medical and evacuation in its definitions, including that most US health plans and Original Medicare offer little or no coverage abroad, but it does not calculate medical limits.

What is trip interruption?

Coverage for unused prepaid costs and extra travel expenses when a covered reason cuts a trip short or delays joining it. The definitions note that many plans pay up to 150% of the trip cost for interruption.

What does the agency receive with a travel lead?

Contact details and consent, trip cost, number of travelers, quoted rates, the CFAR percentage and every result, plus attribution such as UTM tags, click IDs and referrer. Leads can post to HighLevel or any CRM by webhook.

Which plan includes the travel insurance calculator?

Every plan includes it, the free Producer plan too, which embeds up to 5 calculators. Agency at $150 a month raises that to 50 and adds webhooks, with a 14-day free trial on monthly and yearly billing.

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Put the Travel Insurance Cost Calculator on your site.

Included on every plan, starting with the free Producer plan. Paid plans add webhooks and a 14-day free trial.

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Free Producer plan · 14-day trial on paid plans · cancel any time

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