Your total trip cost is the amount you choose to insure for everyone listed on your travel insurance plan. It typically includes all prepaid, non-refundable expenses—such as flights, hotels, tours, and cruises—that you would lose money on if you had to cancel or interrupt your trip.
You can choose to insure all, part, or none of these costs, depending on your needs. Just keep in mind that only the expenses you list and insure are eligible for reimbursement under most policies.
If you used airline miles or credit card points to book part of your trip, those portions usually shouldn’t be included in your total trip cost—unless you paid additional cash fees that are non-refundable.
Example: If your trip costs $1,000 and your travel companion’s costs are also $1,000, and you’re both on the same plan, your total trip cost would be $2,000.
Being accurate and thorough when calculating your trip cost helps ensure you’re properly covered if something unexpected happens.