The policy maximum is the maximum amount that the insurance company will pay for covered expenses. The available policy maximums typically range from $50,000 to $100,000, depending on the age of the traveler.

In 2026, the "maximum coverage" for travel insurance varies significantly depending on the plan type and the provider, but high-end "premium" policies often offer limits up to $500,000 to $1,000,000 for emergency medical expenses. For "Trip Cancellation" or "Trip Interruption," the maximum coverage is usually capped at the total non-refundable cost of your trip, often reaching up to $50,000 to $100,000 per person. Other critical limits include "Emergency Evacuation" (which can be as high as $500,000 for medical transport home) and "Baggage Loss" (usually capped between $1,000 and $3,000). It is important to note that many policies have sub-limits; for example, while your total medical coverage might be $500,000, the coverage for "Dental Emergencies" might be limited to only $500. Additionally, many standard policies exclude "extreme sports" or "pre-existing conditions" unless you purchase a specific waiver or add-on. Always review the "Sum Insured" section of your policy document carefully to ensure that the limits match the potential costs of your destination—especially for countries with high healthcare costs like the USA or Switzerland.