Skip to navigationSkip to main content':"";if(a){var r=n.promos.showYahooLogo?"":"yns-no-logo";a=a.replace("{notifOnboardBtnLabel}",n.promos.notifOnboardBtnLabel).replace("{notifOnboardMsg}",n.promos.notifOnboardMsg).replace("{subscriptionTopic}",n.promos.subscriptionTopic).replace("{noLogoClass}",r).replace("{promoLogo}",n.promos.promoLogo)}var s=t.newCount>n.panel.maxCount?t.newCount:"",c=n.panel.notificationCenterPath,l=c?"":R,u=n.panel.headerMsg?"":" "+R,d=c?H:"",p=void 0;t.count?p=t.markup:p='{emptyPanelMsg}'.replace("{emptyPanelMsg}",n.panel.emptyPanelMsg);return e=e.replace("{notifMarkup}",p).replace("{promoMarkup}",a).replace("{hideClass}",l).replace("{notifCenterLink}",c).replace("{paddingClass}",d).replace("{headerMsg}",n.panel.headerMsg).replace("{hideHeaderClass}",u).replace(/{notificationCenterNavMsg}/g,n.panel.notificationCenterNavMsg).replace(/{newCount}/g,s)}},{key:"render",value:function(e,t){var n=this;if(n._panelNode){var o=void 0,i=n._panelNode,a=void 0,r=void 0;switch(e){case"expanded_panel":o='{promoMarkup}{notifMarkup}',r=n._store.getNotifications(),a=n._generatePanelMarkup(o,r),i.innerHTML=a;break;case"error_panel":a=(o='{errorMsg}').replace("{errorMsg}",n._config.panel.errorMsg),i.innerHTML=a}t&&t()}else t&&t(new Error("No panel parent"))}},{key:"createPanelParentNode",value:function(e){e&&(e.innerHTML='',this._panelNode=document.getElementById(P))}},{key:"updateBadgeNode",value:function(e){if(e){var t=this._store.getNotifications().newCount,n=this._config.badge.maxCount;if(t){var o=t>n?n+"+":t;e.innerHTML=o}else e.innerHTML=""}}},{key:"addStyles",value:function(e){if(e&&"undefined"!=typeof window){var t=document.getElementById(this._config.panel.styleTagId);t||((t=document.createElement("style")).type="text/css",t.id=this._config.panel.styleTagId,t.innerText=e,document.head.appendChild(t))}}}]),e}(),j=function(){function e(t,n,o){E(this,e);var i=this;i._store=n,i._view=o,i._config=t;var a=i._config.panel;i._panelParentNode=document.querySelector(a.parentSelector),i._badgeNode=i._config.badge.selector&&document.querySelector(i._config.badge.selector),i._indicatorNode=a.indicatorSelector&&document.querySelector(a.indicatorSelector)}return k(e,[{key:"createPanelParentNode",value:function(){this._view.createPanelParentNode(this._panelParentNode),this._notifPanelNode=document.getElementById(P)}},{key:"refreshPanelNode",value:function(e,t){var n=this;x(n._notifPanelNode,D),n._store.fetchNotifications(e,(function(e,o){var i=window.wafer&&window.wafer.base;i&&i.destroy(n._notifPanelNode),e?n._notifPanelNode.innerHTML||(n._view.render("error_panel"),x(n._notifPanelNode,D)):(n._view.render("expanded_panel"),n._view.updateBadgeNode(n._badgeNode),n._showBadge(),n._showIndicator(),n._view.addStyles(o.css)),N(n._notifPanelNode,D),i&&i.sync(n._notifPanelNode.parentNode),t&&t(e,o)}))}},{key:"resetBadge",value:function(){var e=this;e._store.resetNewCount(),e._view.updateBadgeNode(e._badgeNode),x(e._badgeNode,e._config.badge.hideClass)}},{key:"_showIndicator",value:function(){this._indicatorNode&&(this._store.getNotifications().newCount?x(this._indicatorNode,this._config.panel.indicatorClass):N(this._indicatorNode,this._config.panel.indicatorClass))}},{key:"_showBadge",value:function(){var e=this;e._store.getNotifications().newCount?N(e._badgeNode,e._config.badge.hideClass):x(e._badgeNode,e._config.badge.hideClass)}}]),e}(),Y={promos:{eligibleBodyClass:"display-push-promos",enableNotifOnboard:!0,bypassEligibleClassCheck:!1,notifOnboardBtnLabel:"Notify Me",notifOnboardMsg:"Get alerts for breaking news and top stories",promoLogo:"https://s.yimg.com/cv/apiv2/ae/news/circle_bell.png",showYahooLogo:!0,subscriptionTopic:"gondor_homerun_news"},badge:{hideClass:"",maxCount:5,selector:""},panel:{emptyPanelMsg:"You have no new 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n;t.logoImages&&(n=t.logoImages).length>0&&Array.prototype.forEach.call(n,(function(e){e.onerror=function(){e.onerror=null,e.style.display="none"}})),t.wrapper&&(function(e,t){e&&(xe("#ybar-logo","#ybar-logo",t),t.onDestroy((function(){e.classList.remove("ybar-show-outline"),e.classList.remove("ybar-hide-outline")})))}(t.wrapper,e),function(e,t){t&&e.addElementListener(t,"click",(function(){e.triggerEvent("logo-click")}))}(e,t.wrapper))};ge("ybar-mod-logo",(function(e){var t={wrapper:document.getElementById("ybar-logo"),logoImages:document.querySelectorAll(".".concat(Ut))};jt(e,t)}));var Yt={"dropdown-open":"_yb_1qr55t8","merchant-is-selected":"_yb_hpfgev",overlay:"_yb_1t4opbo","selected-merchant-clear-button":"_yb_sdzekv","shops-buttons":"_yb_1gmhi8h","styled-select":"_yb_1fed2vs",tooltip:"_yb_156j5sr","tooltip--show":"_yb_t94u7s",tooltip__text:"_yb_149d3c6",tooltip__voice:"_yb_rkldcd",tooltip__web:"_yb_1bze76z",dark:"_yb_of9a42",darker:"_yb_1br2rz9",light:"_yb_p0373k","search-border-gradient":"_yb_109k2ga","search-border-gradient-hover":"_yb_vljmzl",midnight60:"_yb_1o792pg","search-input-uh3-hover":"_yb_15ox84z","search-input-uh3-focus-visible":"_yb_1e6541m","sa-btn-bar":"_yb_1axm66t","searchbox-icon-uh3":"_yb_1uef33k",empty:"_yb_owcm9n"},Ft=function(e,t){var n=Math.max(e,t),o=Math.min(e,t),i=Math.abs(n-o);return b([],h(new Array(i+1)),!1).map((function(e,t){return o+t}))},zt=function(e,t,n){var o=e.getConfig().bucketConfig,i=(void 0===o?{}:o).enable_search_ui,a=void 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n=e.getConfig();"smartphone"===n.device&&("finance"===n.property&&"crunch"===n.ytheme&&e.addElementListener(t.searchInput,"click",(function(){var n,o;n="search_input_focus_click",null!==(o=re())&&(oe[n]||(oe[n]=o)),e.addElementListener(t.searchForm,"click",(function(){if(t.ybar){if(t.ybar.classList.contains("ybar-searchbox-assist-fullscreen"))return;t.ybar.classList.add("ybar-searchbox-assist-fullscreen"),t.ybar.classList.add("ybar-searchbox-assist-fadein")}if(!document.documentElement.classList.contains("ybar-overlay")){document.documentElement.classList.toggle("ybar-overlay"),document.body.classList.add("ybar-overlay-noscroll");te("ybar","websrch","",{elm:"expand",subsec:"searchbox",itc:"1"})}}))})),e.addElementListener(t.searchBoxPlaceholder,"click",(function(){zt(e,t)})),e.addElementListener(t.searchBoxPlaceholder,"keydown",(function(n){var o=n,i=o.keyCode,a=o.key,r=Ft(65,90),s=b(b([],h(Ft(58,57)),!1),h(Ft(96,105)),!1),c=b(b([],h(r),!1),h(s),!1).includes(i);(32===i||13===i||c)&&(n.preventDefault(),n.stopPropagation(),zt(e,t,c?a:""))})),t.searchBoxBackButton&&(e.addElementListener(t.searchBoxBackButton,"click",(function(e){e.stopPropagation(),window.YAHOO&&window.YAHOO.SA&&window.YAHOO.SA.apps&&window.YAHOO.SA.apps[0]&&(window.YAHOO.SA.apps[0].view.resetQuery(),window.YAHOO.SA.apps[0].view.hide()),Wt(t);te("ybar","back-close-srch","",{elm:"btn",subsec:"searchbox",itc:"1"})})),e.addElementListener(t.searchInput,"keyup",(function(e){e.stopPropagation();27===e.keyCode&&(e.stopPropagation(),Wt(t))}))),e.addEventListener("viewerClosed",(function(){Wt(t)})),e.onDestroy((function(){Wt(t)})))},Kt=function(){function e(e,t,n){t&&(this.ybar=e,this.elem=t,this.options=n,this.show=this.show.bind(this),this.hide=this.hide.bind(this),this.addEventListeners())}return Object.defineProperty(e.prototype,"tooltip",{get:function(){var e=this;return this.tooltipMarkup||(this.tooltipMarkup=this.createTooltip(),(this.options.tooltipParentElm||this.elem).appendChild(this.tooltipMarkup),this.ybar.onDestroy((function(){var t,n;null===(n=null===(t=e.tooltipMarkup)||void 0===t?void 0:t.parentNode)||void 0===n||n.removeChild(e.tooltipMarkup)}))),this.tooltipMarkup},enumerable:!1,configurable:!0}),e.prototype.show=function(){this.tooltip.classList.add(this.options.showClass)},e.prototype.hide=function(){this.tooltip.classList.remove(this.options.showClass)},e.prototype.addEventListeners=function(){this.ybar.addElementListener(this.elem,"mouseenter",this.show),this.ybar.addElementListener(this.elem,"focus",this.show),this.ybar.addElementListener(this.elem,"mouseleave",this.hide),this.ybar.addElementListener(this.elem,"blur",this.hide)},e.prototype.createTooltip=function(){var e=document.createElement("div");e.className=this.options.containerClass||"";var t=document.createElement("p");return t.textContent=this.options.label,t.className=this.options.textClass||"",e.appendChild(t),e},e}(),Jt={containerClass:Yt.tooltip,textClass:Yt.tooltip__text,showClass:Yt["tooltip--show"]};ge("ybar-mod-searchbox",(function(e){var t,n=e.getConfig(),o={ybar:document.getElementById("ybar"),searchInput:document.getElementById("ybar-sbq"),buttonBar:document.querySelector(".".concat(Yt["sa-btn-bar"])),searchForm:document.getElementById("ybar-sf"),searchBoxIcon:document.querySelector(".".concat(Yt["searchbox-icon-uh3"])),searchBoxPlaceholder:document.getElementById("ybar-smartphone-searchbox-placeholder"),searchBoxBackButton:document.getElementById("ybar-search-back-btn"),shopsButtonsWrap:document.querySelector(".".concat(Yt["shops-buttons"])),categorySelect:document.getElementById("shops-category-select"),selectedMerchantInput:document.getElementById("selected-merchant-input"),selectedMerchantClearButton:document.querySelector(".".concat(Yt["selected-merchant-clear-button"])),submitSearchBtn:document.getElementById("ybar-search"),clearSearchBtn:document.getElementById("ybar-sbq-x"),searchGradientBorder:document.querySelector(".".concat(Yt["search-border-gradient"]))};if(function(e,t){var n,o,i,a=e.getConfig();if(t.ybar&&["desktop","tablet"].includes(a.device)&&(null===(n=a.bucketConfig)||void 0===n?void 0:n.highlight_searchassist)&&(null===(o=a.bucketConfig)||void 0===o?void 0:o.overlay_class)){t.ybar.setAttribute("data-ovrly-bkt",a.bucketConfig.overlay_class),null===(i=t.searchForm)||void 0===i||i.classList.add(Yt[a.bucketConfig.overlay_class]);var r=document.createElement("div");r.classList.add(Yt.overlay,Yt[a.bucketConfig.overlay_class]),document.body.appendChild(r),e.onDestroy((function(){document.body.removeChild(r)})),e.addElementListener(t.searchForm,"focusout",(function(e){if(t.searchForm&&t.searchInput){var n=e.relatedTarget;n&&!t.searchForm.contains(n)&&window.YAHOO.SA&&window.YAHOO.SA.apps&&window.YAHOO.SA.apps[0]&&window.YAHOO.SA.apps[0].view.shown&&window.YAHOO.SA.apps[0].view.hide()}}))}}(e,o),Gt(e,o),o.searchGradientBorder){var i=!1;o.searchInput.addEventListener("keydown",(function(e){var t=e.code,n=e.key,a=t.startsWith("Key"),r=t.startsWith("Digit"),s=/^[!@#$%^&*()_+\-=[\]{};':"\\|,./?`~]$/.test(n);(a||r||s)&&!i&&(o.searchGradientBorder.classList.add("".concat(Yt["search-border-gradient-hover"])),i=!0)})),e.addElementListener(o.searchForm,"mouseover",(function(){i||o.searchGradientBorder.classList.add("".concat(Yt["search-border-gradient-hover"]))})),e.addElementListener(o.searchForm,"mouseout",(function(){i||o.searchGradientBorder.classList.remove("".concat(Yt["search-border-gradient-hover"]))})),e.addElementListener(o.searchInput,"click",(function(){i=!0})),e.addElementListener(o.searchInput,"blur",(function(){o.searchGradientBorder.classList.remove("".concat(Yt["search-border-gradient-hover"]))}))}o.searchForm&&(e.addElementListener(o.searchBoxIcon,"mouseover",(function(){o.searchForm.classList.add("".concat(Yt["search-input-uh3-hover"]))})),e.addElementListener(o.searchBoxIcon,"mouseout",(function(){o.searchForm.classList.remove("".concat(Yt["search-input-uh3-hover"]))})),e.addElementListener(o.buttonBar,"mouseover",(function(){o.searchForm.classList.add("".concat(Yt["search-input-uh3-hover"]))})),e.addElementListener(o.buttonBar,"mouseout",(function(){o.searchForm.classList.remove("".concat(Yt["search-input-uh3-hover"]))})),e.addElementListener(o.searchInput,"keyup",(function(e){"Tab"===e.key&&o.searchForm.classList.add("".concat(Yt["search-input-uh3-focus-visible"])),o.searchInput.classList.toggle("".concat(Yt.empty),""===o.searchInput.value)})),e.addElementListener(o.searchInput,"keydown",(function(){o.searchForm.classList.remove("".concat(Yt["search-input-uh3-focus-visible"]))})),e.addElementListener(o.searchInput,"focusout",(function(){o.searchForm.classList.remove("".concat(Yt["search-input-uh3-focus-visible"]))})),e.addElementListener(o.submitSearchBtn,"click",(function(e){""===o.searchInput.value.trim()&&e.preventDefault()})),e.addElementListener(o.clearSearchBtn,"click",(function(){o.searchInput.classList.add("".concat(Yt.empty))}))),o.submitSearchBtn&&"crunch"===n.ytheme&&new Kt(e,o.submitSearchBtn,m(m({},Jt),{label:null!==(t=n.i18n.root.SEARCH_TOOLTIP_WEB)&&void 0!==t?t:"Search the web",containerClass:"".concat(Yt.tooltip," ").concat(Yt.tooltip__web),tooltipParentElm:o.clearSearchBtn.parentElement}))}));var Vt="_yb_tdk4ba",$t="_yb_hkd17a",Xt="_yb_rtzclf",Zt="_yb_tdbhj6",Qt="_yb_de52ef",en="_yb_9hwrey",tn="_yb_slc8ta",nn="_yb_bf0svp",on="_yb_hjic9z";ge("ybar-mod-adaptivenav",(function(e){var t=document.querySelector("#ybar-l1-more-menu ul"),n={moreDropDown:document.querySelector(".".concat(Vt)),moreBtn:document.querySelector(".".concat($t)),wrap:document.querySelector(".".concat(Zt)),moreSectionTitle:document.querySelectorAll(".".concat(Qt)),editionsCtaBtn:document.querySelector(".".concat(en)),editionsMenu:document.querySelector(".".concat(tn)),closeBtn:document.querySelector(".".concat(nn)),moreMenuDropDownHeight:t?"".concat(t.offsetHeight+48,"px"):"0"};new 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See our Advertiser Disclosure.Ben Walker (CEPF, CFEI®) · Senior Writer, Credit CardsTue, March 3, 2026 at 8:37 PM GMT+1 9 min readTravel insurance typically costs between 4% and 10% of your total trip price. This means a travel insurance policy could cost between $400 and $1,000 for a $10,000 trip. However, costs can vary by total trip expenses, traveler age, trip length, coverage limits, and other factors.Learn more: Travel insurance: What it covers, costs, and how to choose the right policyThese are some examples of what travel insurance could cost if we consider that a travel insurance policy can cost between 4% to 10% of your total trip cost. But keep in mind that the actual cost of travel insurance can vary widely, depending on the type of coverage you choose, as well as your coverage limits.For example, a basic plan that only focuses on travel medical coverage will likely cost less than a comprehensive plan that includes trip cancellation and interruption coverage in addition to medical insurance.These factors may affect how much you pay for travel insurance.The general rule of thumb is that the higher your trip cost, the higher your travel insurance cost. This makes sense because in the case of policies with trip cancellation coverage, the travel insurance provider may have to reimburse you for your total non-refundable and prepaid trip expenses.This also checks out in reality. Having compared multiple plans with Allianz Travel Insurance, we found that changing the total trip cost while keeping all other factors the same changed the cost of the plan.In this example, you can see that as the trip cost doubles, the travel insurance cost follows suit.What happens if you increase the age of a traveler on a travel insurance policy? Using the same criteria from the example above, we get these results:This time, the only factor we changed while researching plans was the age of the traveler. As you can see, the premiums have gone up dramatically with the increased age.This tracks with the line of thought that older people tend to have more health concerns, which increases the risk that insurance providers take on.In general, your destination isn’t as important in determining travel insurance costs as other factors. During our tests, we added different destinations while keeping other factors, such as age and total trip costs, the same.The result? The premium prices remained the same, whether you were visiting England, Japan, Romania, or even various countries on the same trip.Still, coverage can vary by provider and destination. For example, Allianz showed no coverage options if Russia and Belarus were selected.What if we adjust the trip length? Would that change the policy cost?As it turns out, it most definitely does. Keeping the other factors the same and only increasing the length of the trip raised the insurance premiums. In this case, they didn’t rise too much, but they still went up.Expert tip: When it comes to travel insurance policies, you can typically choose from single-trip or annual plans. Depending on how often you travel, an annual plan could be more cost-effective than paying for insurance on each trip individually.The amount of coverage you choose has a direct effect on how much you have to pay for travel insurance. In the above examples, we displayed a price range for how much you would have to pay for a particular trip.That price range shows how much you would pay depending on the coverage you want. If you want more coverage, the cost goes up.Since add-ons are optional, expect to pay more if you add them to your plan. This could include add-ons for high-risk or adventure activities, cancel for any reason (CFAR) insurance, pet insurance, or additional coverage above what a plan typically offers.In general, many standard policies include the same types of travel insurance coverage, such as emergency medical, emergency transportation, trip cancellation, trip interruption, baggage coverage, and travel delay.The primary difference between policies is the amount of coverage you receive. For example, popular providers like Allianz and Travelex offer three standard plans each that generally cover the same things. However, the more expensive plans offer higher coverage limits. For instance, you might receive $1,000,000 in emergency medical evacuation and repatriation coverage instead of $200,000.So, the price difference between plans from the same provider often comes down to how much coverage you want to pay for. In addition, you always have to pay more to add optional add-ons, such as CFAR coverage or an adventure activities upgrade.You need additional medical coverage: Domestic health insurance policies may not cover you if you travel abroad, which is why many international travelers choose to purchase a policy with emergency medical and dental coverage.Your non-refundable booking costs are high: Trip cancellation and interruption coverage exists because of unforeseen circumstances leading to trip disruptions or cancellations. You can also purchase CFAR coverage to ensure you get some money back if your trip is canceled.You plan to travel for an extended period of time: The longer you travel, the higher the probability of something happening, such as losing your phone or having to deal with a flight delay, that could result in additional trip expenses.You have refundable bookings: If most of your high-cost travel bookings are refundable, you may not need additional coverage.Your total trip costs are low: Coverage may not make sense if your total trip costs are low to begin with. In this type of situation, paying for travel insurance could be a waste.You don’t need additional medical coverage: If you’re traveling where your domestic health insurance policy works, you may not need additional coverage.There are plenty of travel insurance providers and insurance policies to choose from, so make sure you carefully review and compare your options before purchasing a plan. This includes combing through the terms and conditions of specific plans to see when coverage may apply, as well as to get familiar with the claims process.Keep in mind that just because two providers offer coverage that sounds the same, the differences could be hiding in the fine print.Many of the best travel credit cards offer built-in travel insurance benefits, such as car rental coverage, trip cancellation and interruption insurance, and baggage coverage. The specific benefits depend on the card, and you typically have to pay for your travel bookings, such as flights and hotel stays, with your card to receive the insurance benefits.If you already have a credit card with adequate travel coverage, you may not need to spend money on an insurance policy. However, it may not hurt to have additional coverage in some cases, as credit card insurance doesn’t cover as many situations.Any add-on or upgrade to your coverage, such as an adventure sports rider, is going to raise the price. If you think a standard policy offers sufficient coverage, save money by avoiding the add-ons.Depending on how often you travel, an annual plan may make more sense. Let’s consider an example from multiple quotes we checked with Allianz Travel Insurance.For a single-trip plan quote to England, the travel insurance costs ranged from $467 to $751. For another single-trip plan quote, this time to Japan earlier in the same year, the costs were the same, ranging from $467 to $751. So, for a year with two trips, you might pay $934 to $1,504 if you were paying for individual plans per trip.Checking Allianz’s annual plan options, we saw prices range from $138 to $510 for a year of travel insurance coverage. That’s much cheaper than paying for coverage individually per trip, but there are a few things to consider.The primary difference between Allianz’s one-trip and annual plans is the amount of coverage you receive. The most expensive annual plan has less coverage in some cases than the least expensive one-trip plan. Depending on the type of coverage, some of the limits are higher.From our findings, the annual plans are much more cost-effective and convenient for frequent travelers, but you would have to consider whether they offer enough coverage.If you already have credit card travel protections, do you need to buy a travel insurance policy?It depends. While travel credit cards like the Chase Sapphire Preferred® Card and Capital One Venture X Rewards Credit Card offer high-quality travel coverage benefits, they may not provide all the coverage you want or need.Here’s the coverage you can find on the Chase Sapphire Preferred:Auto rental collision damage waiverBaggage delay insuranceExtended warranty protectionLost luggage reimbursementPurchase protectionRoadside dispatchTravel accident insuranceTravel and emergency assistance servicesTrip cancellation and interruption insuranceTrip delay reimbursementIt’s fairly comprehensive, but you would have to dig into the finer details, such as coverage limits, to see if it compares with a standard travel insurance policy.For example, the trip cancellation and interruption insurance can provide reimbursement for eligible travel expenses of up to $10,000 per covered person and up to $20,000 per trip. You can’t add more coverage to this credit card benefit, so if you want more coverage, you would have to purchase a separate policy.Something else to consider is whether these types of coverage are enough for you. At a glance, some of the missing coverage includes:Cell phone and personal belongings protectionEmergency medical and dental coverageEmergency evacuation and transportation insuranceKeep in mind that you can find some of these coverage options on other credit cards, like the Chase Sapphire Reserve®, but you’ll have to pay a higher annual fee.At the end of the day, if you already have a travel credit card with these benefits, you may already be set on the travel insurance front, as long as you’re comfortable with the coverage. Going this route can save you money on buying a travel insurance policy.If you feel like you need more coverage, it’s worth considering additional insurance in the form of a policy.A travel insurance policy could cost between 4% to 10% of your total trip costs.Some of the biggest factors that influence the price of travel insurance include your total trip cost, your age, coverage limits, and optional add-ons.It’s essential to compare and review policies from different providers to potentially save money and find the best plan for your needs.Editor’s note: Price quotes are accurate as of publication date.Tim Manni edited this article.Editorial Disclosure: The information in this article has not been reviewed or approved by any advertiser. All opinions belong solely to the Yahoo Finance and are not those of any other entity. The details on financial products, including card rates and fees, are accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information. This site doesn't include all currently available offers. Credit score alone does not guarantee or imply approval for any financial product.