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Travel Insurance

What is a Deductible and How Does It Affect Travel Insurance Cost?

What is a Deductible and How Does It Affect Travel Insurance Cost?

The deductible is the amount that you are responsible to pay before the insurance benefits take effect and before the insurance company will pay for the treatments or services.

If you choose a zero ($0) deductible, that means you are not required to pay any deductible and your benefits start immediately. If a plan pays 80% for the first $5,000, and 100% after that, this means that the insurance pays 80% for your first bills of up to $5,000.  

However, generally, the lower the deductible the higher the premium. So while you may be tempted to opt for a policy with a low deductible be prepared for a higher monthly payment.  To learn more about deductibles and how they impact the cost of travel insurance, check out the video below. 


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Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.