Price Each Claim Against a Travel Policy Excess — Free
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.
The proof surface
Home insurance grids compare two policies over ten years with one claim. This walks a single trip’s likely claims through the excess on the policy you are considering.
Why the flat version breaks
Reading the advertised excess only
Many policies have higher excesses for medical, gadget or cancellation claims than the headline figure.
Assuming the excess is refunded later
An excess is money you spend; a no-claims discount may reduce a premium, not repay a claim.
Ignoring per-claim versus per-trip excess structures
A per-claim excess can multiply across several small claims in one trip.
How to work the excess claim packet
Baggage delay, medical treatment, cancellation, theft and a missed connection cover most trips; leave out claims you would never bother to file.
Use conservative figures you could defend, not a worst-case disaster scenario: a three-day baggage delay claim of 180 units is a realistic planning figure.
Enter the excess or deductible that applies to that specific cover area; medical and baggage excesses are often different numbers on the same policy.
Each row costs the smaller of the claim or the excess — the part you fund yourself. In the sample, both rows fall under a 150-unit ceiling and total 175; the second policy’s 500-unit medical excess would blow past a 150 ceiling on its own.
What the excess claim packet replaces
| Question | Before | Visible working |
|---|---|---|
| Reading the advertised excess only | Many policies have higher excesses for medical, gadget or cancellation claims than the headline figure. | Estimate a plausible claim amount each |
| Assuming the excess is refunded later | An excess is money you spend; a no-claims discount may reduce a premium, not repay a claim. | Copy the excess from the policy schedule |
| Ignoring per-claim versus per-trip excess structures | A per-claim excess can multiply across several small claims in one trip. | Compare total exposure with your ceiling |
A local arithmetic aid replaces hand calculation, not expert review. No paid AI service is needed.
Run it on the samples, right here
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.
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.
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.
Go deeper: the companion app files the same reading as a stapled evidence packet
The article demo above runs without limits. The companion app keeps a local history, exports the rows as CSV, prints the excess claim packet reading, and holds your drafts on this device — one free run, then $ 4 one-time for the layer that keeps filing.
The excess claim packet reading is complete for free. The optional $4 layer adds print, row CSV and the last five local reading summaries; it does not add hidden answers. Checkout is not configured yet; the article demo remains unlimited.
Open the price each claim against a travel policy excess companionBoundary
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.
What this is built on
- 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.
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.
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.