Insurance & Protection Tools
Travel Insurance Coverage Planner
Compare the trip risks you care about with the travel insurance limits you are considering, then identify potential gaps in cancellation, medical, evacuation, baggage and delay protection.
Compare trip exposures with entered policy limits
Map cancellation, emergency medical, evacuation, baggage and delay exposures against the limits you are considering.
Total modeled exposure
$160,200
Total potential gap
$1,450
Weakest category
Travel delay · 63%
Travelers
2
Emergency medical
Usable after excess
$99,750
Potential gap
$0
Coverage ratio
100.0%
Emergency evacuation
Usable after excess
$149,750
Potential gap
$0
Coverage ratio
100.0%
Baggage / belongings
Usable after excess
$2,250
Potential gap
$750
Coverage ratio
75.0%
Travel delay
Usable after excess
$750
Potential gap
$450
Coverage ratio
62.5%
Trip cancellation coverage
Potential gap
$250
Coverage ratio
95.8%
Coverage gap summary
| Category | Exposure | Usable limit after excess | Potential gap | Coverage ratio |
|---|---|---|---|---|
| Trip cancellation | $6,000 | $5,750 | $250 | 95.8% |
| Emergency medical | $50,000 | $99,750 | $0 | 100.0% |
| Emergency evacuation | $100,000 | $149,750 | $0 | 100.0% |
| Baggage / belongings | $3,000 | $2,250 | $750 | 75.0% |
| Travel delay | $1,200 | $750 | $450 | 62.5% |
Keep the trip plan
Export or save the workspace
Keep a CSV, printable report or reusable local FormatForge project file.
Sample trip assumptions loaded.
Coverage gap view — not a policy recommendation
Actual travel insurance can contain per-person limits, per-item baggage limits, excess rules, exclusions, age limits, destination restrictions and benefit-specific conditions. Verify the current policy wording before purchase or travel.
Trip-specific planning
Different trips create different exposures
A short domestic trip and an expensive international trip can have very different cancellation, medical, evacuation and baggage risks. The planner keeps each exposure separate so the assumptions remain visible.
Compare limits, not marketing labels
“Comprehensive” does not show the actual numbers
Entering the actual benefit limits makes it easier to see where a category may leave a gap. You should still verify exclusions, sub-limits and eligibility directly from the policy wording.
Frequently asked questions
What does the Travel Insurance Coverage Planner compare?
It compares user-entered trip exposures with policy limits for cancellation, emergency medical care, evacuation, baggage and travel delay.
How is the potential gap calculated?
The simplified model subtracts the entered excess or deductible from the policy limit, compares the remaining usable limit with the modeled exposure and shows any uncovered amount.
Does this tell me whether a travel policy is sufficient?
No. It is a planning comparison only. Real travel policies may contain per-person limits, per-item limits, exclusions, age restrictions, destination rules and benefit-specific conditions.
Why include emergency evacuation separately from medical cover?
Emergency evacuation or repatriation can have different limits and conditions from ordinary emergency medical treatment, so the planner keeps those exposures separate.
Can I model baggage and travel-delay gaps?
Yes. Enter the value or exposure you want to compare and the corresponding policy limit. The workspace shows the potential gap and coverage ratio.
Can I save the trip plan?
Yes. You can copy the summary, export CSV, print/save a PDF-style report or save a local FormatForge project file and restore it later.
Insurance workflow
Use the gap view before comparing full policy wording
Use this planner for travel-specific limits, then use the Policy Comparison Workspace if you are comparing several complete insurance products.