Price Each Claim Against a Travel Policy Excess
A cheap policy with a large excess shifts real money onto you at the worst moment. Price the smaller of each claim and its excess to see what you would actually pay, claim by claim.
1 · cover area | expected claim amount | policy excess amount
FIRST-LOAD
Input is processed locally and a draft is saved automatically in this browser profile when storage is available. Reset to sample clears that draft; Pro history has its own clear button. A state link encodes your inputs in its URL: share only non-sensitive rows. Browser history, clipboard and anyone receiving the link may retain it. Optional AI use below leaves this device; it is not required.
Data note: Everything runs in this browser tab on the excess claim packet: your cover area | expected claim amount | policy excess amount stays on this device, nothing is uploaded, and the reading is rebuilt only when you press run.
Perspective: Before: Many policies have higher excesses for medical, gadget or cancellation claims than the headline figure. After: the excess claim packet shows the working beside each named row so the reader can change the assumption and inspect the consequence.
2 · Read the excess claim packet
Claim arithmetic on amounts and excesses you copy from a policy schedule. Not insurance, legal or financial advice; read the full policy wording, exclusions and limits, and confirm cover with the insurer or a regulated adviser before relying on any figure.
Paid layer: excess claim packet print and history
one-time step · the free reading above stays complete
Free tier
- one complete excess claim packet run in the app
- three samples plus unlimited article-demo runs
- unwatermarked result text and an explicit, user-triggered state link
What $4 one-time adds
- print the excess claim packet with its row workings
- CSV of out-of-pocket units and row explanations
- last five reading summaries saved in this browser profile
$4 once for repeated filing of the excess claim packet, not for a better answer. Illustrative time basis: avoiding one five-minute manual reformat per saved reading; no market-price or guaranteed-savings claim.
Local history (this device)
- No saved runs yet — your first run files here.
Checkout is unavailable until a payment link is configured. The optional unlock is browser-local, profile-scoped and best-effort, not server-verified access. Clearing browser data can remove it; there is no account or cross-device recovery.
Boundary and sources
Claim arithmetic on amounts and excesses you copy from a policy schedule. Not insurance, legal or financial advice; read the full policy wording, exclusions and limits, and confirm cover with the insurer or a regulated adviser before relying on any figure.
- Method: Enter the excess or deductible that applies to that specific cover area; medical and baggage excesses are often different numbers on the same policy.
- All sample records are invented examples. The app does not fetch measurements, policies, files or personal records.
- Google’s official pricing page, fetched 2026-09-29, lists free-tier access including AI Studio. Optional formatting only; limits and availability can change. Free-tier content may be used to improve products. Never paste private records there.
Mechanism: competence-autonomy-loop
Optional AI formatting, not calculation
For this excess claim packet, use the free AI Studio interface only if available to you, with no paid API key. Manual entry completes the same workflow for free. Supply only fictional or non-sensitive notes. Review its output against the source; never paste unresolved questions into the numeric rows.
Format my non-sensitive notes for a excess claim packet. Return plain rows only: cover area | expected claim amount | policy excess amount. Preserve supplied quantities exactly. Do not guess missing values; list questions separately. Do not calculate or add advice. I will check every row before pasting into the local tool.
Accepted schema: cover area | expected claim amount | policy excess amount. No AI response is executed as code.