Cheap policy = enough?
Cheap vs Comprehensive Travel Insurance: Which?
Cheap policies cover hospitals — barely. See when comprehensive is worth it and when basic is enough.
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What 'cheap' usually skips
Basic plans tend to drop CFAR, pre-existing condition waivers, high medical limits, and rental car damage.
- Medical limit < $50k = risky for US, Asia, Caribbean.
- No emergency evacuation = $50k–$200k risk.
- No CFAR = no refund for change of mind.
When basic is enough
Short domestic trips with refundable bookings and low medical risk.
Frequently asked
- What medical limit should I look for?
- Minimum $100k for international; $250k+ for the US.
- Is annual cover cheaper than per-trip?
- Yes, once you take 3+ trips per year.
Your policy is the only source of truth
Stop guessing. Check your actual policy.
Generic answers don't pay claims. PolicyPal reads your policy wording in seconds and tells you, in one sentence, whether you're covered.
Upload your policy$7 per analysis · No subscription · PDF only