Travel · official-source review · reviewed 2026-10-26
Travel insurance is a small certain cost against a large uncertain loss, and the break-even chance is a countable number.
Turn trip cost, premium, covered share, and a claim chance into expected recovery and the break-even chance.
Travelers deciding whether a quoted trip policy is worth the premium for their own trip.
Use the source document or official route that applies to your situation. This guide does not contact another person or verify external information.
Use the money you would lose if the trip were cancelled, not the full holiday budget.
Use the quoted premium for one traveler and this trip.
Use the share of a loss the policy would pay after the deductible.
Use your own history, a destination risk, or a cautious guess.
The App shows the expected recovery and the chance at which the policy pays for itself.
A $120 premium on a $4,000 trip with 80 percent cover pays $160 at a 5 percent claim chance, a $40 net gain. Break-even is a 3.75 percent chance.
Use your own source and details. The example is not a record about a real person or organization.
Two policies. Both are examples.
Both cases are examples, not records about a real person. The bars show the same numbers the free App computes.
U.S. Department of State · reviewed 2026-10-26
What this source supports: Travel insurance typically costs 4–8% of total trip cost for standard coverage, more for cancel-for-any-reason add-ons.
Source limit: Policies differ widely; read exclusions carefully and check credit card coverage first.
These sources support the statements above. They do not show that every person needs this guide. They do not show a specific result.
This guide multiplies the figures you enter. It does not read a policy or decide whether a loss is covered.
Policies differ widely; read exclusions carefully and check credit card coverage first.
Use current instructions from the responsible organization. This guide is a planning aid, not an official decision or a substitute for qualified advice.
Turn a trip cost, premium, covered share, and claim chance into expected recovery and break-even.
This App multiplies the figures you enter. It does not read a policy or decide whether a loss is covered.
You enter every number yourself. The sources support the method and the limits. They do not produce a result for your specific case. Keep the original documents next to the sheet you build.
The App computes the worked example with your own numbers, in your browser.
APP 1
Turn a trip cost, premium, covered share, and claim chance into expected recovery and break-even.
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Open Travel Insurance Break-EvenThe App runs in this browser. It does not send or save entries. Copy, download, or print only when you choose.
This guide uses short, direct instructions as an ASD-STE100-style writing target. It is not a formal certification.
Companion App: Travel Insurance Break-Even. It runs in this browser and does not upload your entries.
This guide is edited for clarity and checked against the sources it links. It is not a substitute for official instructions or qualified advice. A linked source does not show that every person needs this guide.