Travel Insurance Coverage Gap Analyzer – See What You're Missing Before You Travel
Compare your current travel insurance coverage to expert-recommended protection levels and discover where you might need extra coverage.
Understanding Coverage Gaps
A travel insurance coverage gap occurs when your current insurance protection doesn't meet the recommended levels for your specific trip. Many travelers assume they're fully covered by credit cards or basic policies, but often have critical gaps in medical, evacuation, or specialized coverage.
Common Gaps
- • Insufficient medical coverage for international travel
- • Missing emergency evacuation coverage
- • No adventure sports protection
- • Inadequate trip cancellation limits
Why It Matters
- • Medical emergencies can cost $100,000+
- • Evacuation flights often exceed $50,000
- • Trip delays can cost hundreds per day
- • Lost baggage may exceed standard limits
Credit Card Travel Coverage vs Full Travel Insurance
Credit Card Coverage
- ✅ Good for short trips
- ✅ No additional cost
- ✅ Basic trip protection
- ❌ Limited medical coverage
- ❌ Often excludes evacuation
- ❌ No adventure sports coverage
Full Travel Insurance
- ✅ Comprehensive medical coverage
- ✅ Emergency evacuation included
- ✅ Optional adventure sports
- ✅ Higher coverage limits
- ✅ 24/7 assistance services
- ❌ Additional cost required
Frequently Asked Questions
What is a travel insurance gap?
A travel insurance gap is the difference between your current coverage and the recommended protection level for your trip. It identifies areas where you're underinsured or completely unprotected.
Do I need more coverage if I already have card insurance?
It depends on your trip. Credit card insurance is often sufficient for domestic, short trips, but international travel, longer durations, or adventure activities typically require additional coverage.
How much emergency medical coverage is enough?
For international travel, experts recommend at least $250,000 in emergency medical coverage. Domestic trips can typically be covered with $50,000, but more is always better.
Are pre-existing conditions covered automatically?
No, pre-existing conditions are typically excluded from standard travel insurance policies. You'll need a waiver or specialized policy that specifically covers pre-existing conditions.