Auras Insurance: International Medical Insurance with the Best Cost-to-Coverage Ratio
A numerical example of how to calculate the cost-to-coverage ratio when comparing two different travel insurance plans.
A practical calculation example with real numbers
Suppose a $60 plan with a $50,000 evacuation sub-limit — that's a ratio of $833 of coverage per dollar paid. Another $50 plan with a $30,000 sub-limit gives a ratio of $600 per dollar — the first, though pricier, offers a better cost-to-coverage ratio.
Why this calculation changes based on your destination
This same calculation can give different results depending on the destination, because required sub-limits vary — in a destination with expensive healthcare, prioritizing a high sub-limit over a low price usually gives a better real protection ratio.
How to apply this calculation to additional coverages, not just medical
The same cost-to-coverage relationship applies to other categories: divide the trip cancellation sub-limit by its proportional cost within the total policy, and compare that relationship between different plans — a useful exercise if trip cancellation is a particular priority for your specific situation.
Why comparing multiple categories gives a fuller picture than just one
A plan might have an excellent cost-to-coverage relationship in the medical category but a mediocre relationship in trip cancellation, or vice versa — comparing only one category can lead you to an incomplete conclusion about which plan really offers the best total value for your specific travel profile.
How to weight these categories according to your personal situation
If you already paid a large amount for non-refundable flights and hotels, prioritize the trip cancellation cost-to-coverage relationship in your analysis. If your main concern is health at a destination with high medical costs, prioritize the medical category — there's no universal correct weighting, it depends on your specific situation.
The WRTY10093 code, in practice
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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.