Not sure whether to buy travel insurance — or whether your credit card already covers you? These six tools do the math before you buy. Each one is built around a specific decision: how much coverage should cost, what your card already covers, whether CFAR is worth it, how trip cancellation compares to cancel-for-any-reason, whether an annual policy beats buying per trip, and whether your rental car is already protected.
Start with the tool that matches your most pressing question, or follow the recommended workflow below. If you need an overview of travel insurance, start here.
Start Here: Recommended Workflow
Step 1 — Estimate what coverage should cost. Before getting any quotes, use the Cost Estimator to get a personalized premium range by coverage type. It also shows what your credit card already covers — so you know what you actually need to buy.
Step 2 — See what your credit card already covers. Check what Chase Sapphire Reserve, Amex Platinum, Capital One Venture X, or Citi Strata Premier already provides. You may need less standalone coverage than you think.
Step 3 — Decide between standard trip cancellation and CFAR. If your card has gaps, use the comparison tool to determine whether standard trip cancellation or the Cancel For Any Reason upgrade fits your situation.
Step 4 — Run the CFAR break-even math. If you're on the fence about CFAR, the value calculator tells you exactly what cancellation probability you'd need for the premium to pay off.
Step 5 — Check annual vs. single-trip if you travel more than twice a year. The break-even calculator shows whether one annual policy beats buying coverage per trip.
The Tools
Travel Insurance Cost Estimator
Find out what travel insurance should cost for your specific trip before you get a quote. Enter your trip details, traveler age, destination, and coverage type — the tool returns an estimated premium range across all coverage tiers and shows how your credit card benefits change the equation.
Annual vs. Single-Trip Travel Insurance Calculator
Taking more than one trip this year? Add your planned trips and an annual policy quote, and the calculator shows your break-even point, a trip-by-trip cost breakdown, and exactly how much you'd save with each approach. Includes credit card coverage inputs so you know whether a full annual policy or a supplemental medical-only policy makes more sense.
Credit Card Travel Insurance Comparison Tool
Compare trip cancellation, trip delay, and emergency coverage across Chase Sapphire Reserve, Amex Platinum, Capital One Venture X, and Citi Strata Premier — side by side, in one place. The starting point for understanding what you already have before buying anything.
Trip Cancellation vs. CFAR Comparison Tool
Enter your trip details and primary cancellation concern. The tool shows what your credit card covers, where the gaps are, and whether standard trip cancellation or a CFAR upgrade is the right call — including a full side-by-side coverage table across 15 categories.
CFAR Insurance Value Calculator
Is Cancel For Any Reason coverage mathematically worth buying for your trip? Enter your non-refundable costs, the CFAR premium, and your estimated cancellation probability. The calculator finds your personal break-even point and tells you whether the premium is justified — with a full scenario table showing outcomes at every probability level.
Credit Card Rental Car Insurance Tool
Compare rental car coverage across six premium credit cards — including which provide primary vs. secondary coverage, exotic vehicle eligibility, geographic exclusions, and loss-of-use protection. Know exactly what you have before accepting or declining the counter CDW.
Which Tool Should I Use?
“I want to know what travel insurance should cost before I get a quote.” → Start with the Travel Insurance Cost Estimator.
“I just booked a trip and want to know what my credit card already covers.” → Use the Credit Card Travel Insurance Comparison Tool.
“I'm deciding whether to buy travel insurance and what type.” → Use the Trip Cancellation vs. CFAR Comparison Tool.
“I've been quoted a CFAR policy and want to know if it's worth it.” → Run the numbers through the CFAR Value Calculator.
“I take multiple trips a year — should I buy an annual policy?” → Use the Annual vs. Single-Trip Calculator.
“I'm renting a car and not sure if I need the CDW.” → Check the Credit Card Rental Car Insurance Tool.