When comparing travel insurance, many plans vary significantly in price. In some cases, a plan might have higher benefit levels than plans that are more expensive. This is because the cost of the premium is calculated based on your individual quote, and different plans are designed for different demographics. Some plans are less expensive when the departure date is in the near future. Others do not price children when calculating the premium cost. While other plans are targeting elderly travelers or higher trip costs. This is why it is difficult to say that one travel insurance plan or one travel insurance carrier is always the best option for everyone. Rather, it is wise to find the desired limits of coverage at the best price for each individual quote. Always refer to the certificate of insurance for details.