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Trip cancellation, emergency medical, evacuation, and CFAR add-ons — what each one actually pays out and when it's worth the extra premium.
Side-by-side view of the most common coverage choices in this category.
| Feature | Basic single-trip Budget | Comprehensive | Annual multi-trip Frequent flyers |
|---|---|---|---|
| Trip cancellation | |||
| Emergency medical | $50k | $250k | $250k |
| Medical evacuation | $100k | $1M | $1M |
| Cancel For Any Reason | Optional | Optional | |
| Covers unlimited trips/year | |||
| Typical cost (7-day trip) | $45 | $120 | $280/yr |
Trip cancellation, medical, evacuation, and baggage — the four pillars of a travel policy, what triggers each one, and the exclusions that cause most denied claims.
The break-even is usually three trips a year — but duration caps, cancellation gaps, and destination limits decide it more often than price does.