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# 🧳 What Would My Trip Cost be When Filling Out a Quote?

When you're grabbing travel insurance, one of the first things you’ll be asked is your **trip cost** — but what does that actually mean?

**Trip cost** refers to the total *prepaid and non-refundable* expenses related to your trip. This is the amount you'd lose if you had to cancel unexpectedly and couldn't get your money back.

💸 What Should You Include?

Add up the stuff you’ve paid for in advance that you wouldn’t get refunded for, like:

* Flights
    
* Hotels or vacation rentals
    
* Tours or excursions
    
* Cruise packages
    
* Prepaid activities or transportation (like a train pass)

If you're not getting that money back in case of cancellation, it counts.

 🚫 What *Not* to Include

Skip things like:

* Refundable bookings
    
* Meals and spending money
    
* Anything you haven’t paid for yet

 🤓 Why It Matters

Your **trip cost helps determine your premium** and how much you'd get back if you cancel for a covered reason. Being accurate is key — underestimating might mean you’re not fully covered, and overestimating could mean you’re paying more than you need to.