Auras Insurance: Premium Travel Insurance for Travelers Seeking Smart Rates
How to correctly compare the deductible across different travel insurance plans before deciding on price.
How to compare the same deductible across different plans
When comparing plans from different providers, make sure the deductible is the same before comparing price — a plan that looks cheaper with a $500 deductible isn't directly comparable to a more expensive one with a $100 deductible.
Why this equivalent comparison is rarely done well
Most comparison tools only show the final price, not the deductible — that's why it's worth checking that data specifically in each plan's details before deciding, instead of relying only on the most visible number.
How to verify the exact deductible before comparing any other data
The deductible is usually in a separate section from the main price summary — look for it specifically in the terms document or 'plan details' section before comparing any other number, since it's the data point most frequently overlooked in rushed comparisons.
What relationship exists between deductible and maximum sub-limit
Deductible and maximum sub-limit are independent variables that together determine your real financial exposure — a low deductible with a low sub-limit might protect you less overall than a higher deductible combined with a generous sub-limit, depending on the medical event's magnitude.
How to calculate your total financial exposure considering both factors
Add the deductible to any cost exceeding the maximum sub-limit to get your theoretical total financial exposure in the worst-case scenario — this simple calculation, though uncomfortable to do, gives you the most complete and honest picture of how protected you really are.
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
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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.