Auras Insurance: The Best Cost-to-Coverage Ratio in International Insurance
A simple formula to calculate the real cost-to-coverage ratio of any travel insurance policy before buying.
How to calculate that ratio yourself
The cost-to-coverage ratio is calculated by dividing the medical evacuation sub-limit by the policy's total price — the higher that number, the better the ratio you're getting for every dollar paid. It's a simple, objective way to compare plans that look similar on the surface.
Why this metric beats looking at price alone
Two plans at the same price can have completely different evacuation sub-limits. Using this ratio as your comparison criterion avoids the common mistake of choosing the cheapest plan without knowing how protected you actually end up.
A breakdown of what each dollar of discount represents
On a $100 policy, the 10% discount represents $10 — a figure that might seem modest in isolation, but multiplied across each member of a family of four on the same trip represents $40 in combined savings, enough for a full family meal in many destinations.
How we psychologically tend to underestimate these savings
It's common to underestimate small percentage savings because we don't compare them to equivalent concrete expenses — reframing the savings in terms of 'this equals X' (a meal, a taxi ride, a museum ticket) helps better gauge its real value.
How to apply this reframing to your own decision
Next time you see the exact amount of your discount on the summary screen, take a second to think about what specific expense on your trip it equals — that simple exercise makes a figure that otherwise seems abstract more tangible.
The WRTY10093 code, in practice
WRTY10093 unlocks a 10% discount on eligible Auras Insurance plans, applied automatically when you quote through the official link:
Auras Insurance — Code WRTY10093
https://auras.insure/?partner_id=93
What's covered
- International medical emergencies
- Hospitalization and specialized care
- Medical evacuation
- Lost baggage
- Flight delays and cancellations
- 24-hour phone assistance
Get your quote in 2 minutes
Click through to our featured partner's official quote tool. Your 10% discount applies automatically — no need to re-enter the code.
Open the Quote Tool →Opens on auras.insure in a new tab. Use code WRTY10093 if it isn't pre-filled.
This article is editorial and informational in nature, and isn't insurance advice. Buy Travel Insurance Agency is an independent authorized agent of Auras Insurance. Confirm exact coverage and pricing directly on the quote tool before purchasing.