Travel Tips and Ideas

Understanding Trip Cost Before Purchasing Travel Protection

by Haley Dobrowski | Feb 14, 2023
trip cost

In order to get a quote and purchase travel protection for your upcoming trip, you will be asked to provide your destination, the country and state you reside in, your travel dates, the date of your initial trip payment for time sensitive benefit eligibility, your age, and finally your trip cost. Although we provide a calculator to help you add up all your trip costs during the quoting process, it is important to understand exactly which expenses should be included and which expenses should be omitted.. To help you along the way, we have provided answers to some frequently asked questions about trip costs.

What does Trip Cost mean?


Before figuring out which of your travel expenses can be included in your insurable trip cost, it can be helpful to first understand what trip cost means. Your trip cost is all the pre-paid and non-refundable costs for travel arrangements. Now you might be asking yourself - what makes up pre-paid and non-refundable costs for travel arrangements? We’ll break it down for you. Pre-paid trip costs are the costs for travel arrangements that you have paid before you leave for your trip, such as deposits and fees. Non-refundable costs are the pre-paid trip costs for travel arrangements you wouldn’t get back if you were to cancel. If an expense for a travel arrangement can be refunded if you cancel your trip, meaning that you can get your money back, then it should not be included in your trip cost.

What types of trip expenses can be included in your trip cost?


Now that we know your trip cost is all your pre-paid and non-refundable expenses for travel arrangements that you would normally lose if you had to cancel your trip, let’s dig more into what types of trip expenses can be included. Trip costs need to be for “travel arrangements” in order to be insurable.  Travel arrangements are defined in your plan, with most plans defining “travel arrangements” as expenses for (a) transportation; (b) accommodations; and (c) other specified services arranged for your trip by your travel supplier. Some common trip expenses that may qualify as insurable travel arrangements include pre-paid and non-refundable expenses for airline tickets,  checking your bags, cruises and excursions, tours, rental cars, drink packages, ski lift tickets, and even hotels and Airbnb’s.

What types of trip expenses cannot be included in your trip cost?


When calculating your trip cost, you want to ensure that all expenses that you would lose if you had to cancel your trip before departure are covered. Expenses such as, your passport, meals, tours purchased at your destination, and frequent flyer miles/reward points should not be included in your trip cost because these are not pre-paid and non-refundable costs for travel arrangements. However, the government taxes and fees associated with frequent flyer miles can be included when calculating your trip cost. Read our blog article for more information about coverage for miles and points.

Are trips costs calculated per person?


Yes - If you are purchasing a plan to cover more than one person, it is important to calculate the trip cost per person, according to what each person paid.

Can you add additional trip costs after purchase?


Short answer: Yes. You can add additional expenses to your trip cost after purchase as you get closer to your departure date. It’s important to note that these additions to your trip cost may result in a higher protection plan cost since the plan cost relies partially on trip cost. Although you can add additional trip costs after purchase, it is key to purchase a plan as soon as you make your first trip payment and book your flights and accommodations, so you can be eligible for time sensitive benefits.


Understanding and correctly calculating your insurable trip cost is important. To learn more about our travel protection plans or to get a quote, visit our website or talk to your travel advisor.





This website contains highlights of the plans developed by Travel Insured International, which include travel insurance coverages underwritten by United States Fire Insurance Company, Principal Office located in Morristown, New Jersey, under form series T7000 et al, T210 et al and TP-401 et al, and non-insurance Travel Assistance Services provided by C&F Services and for WTP Cruise only, AwayCare and Blue Ribbon Bags. The terms of insurance coverages in the plans may vary by jurisdiction and not all insurance coverages are available in all jurisdictions. Insurance coverages in these plans are subject to terms, limitations and exclusions including an exclusion for pre-existing medical conditions. In most states, your travel retailer is not a licensed insurance producer/agent, and is not qualified or authorized to answer technical questions about the terms, benefits, exclusions and conditions of the insurance offered or to evaluate the adequacy of your existing insurance coverage. Your travel retailer may be compensated for the purchase of a plan and may provide general information about the plans offered, including a description of the coverage and price. The purchase of travel insurance is not required in order to purchase any other product or service from your travel retailer. CA DOI toll free number is 800-927-4357. The cost of your plan is for the entire plan, which consists of both insurance and non-insurance components. Individuals looking to obtain additional information regarding the features and pricing of each travel plan component, please contact Travel Insured International. P.O. Box 6503, Glastonbury, CT 06033; 855-752-8303; [email protected]; California license #0I13223. While Travel Insured International markets the travel insurance in these plans on behalf of USF, non-insurance components of the plans were added to the plans by Travel Insured and Travel Insured does not receive compensation from USF for providing the non-insurance components of the plans.