Estimate your travel insurance premium based on trip cost, destination, duration, and age. No personal information required.
Estimate your travel insurance premium using your trip details. No personal information required.
Actual premiums vary by insurer, policy limits, medical benefits, cancellation terms, state of residence, and traveller details.
This travel insurance calculator estimates your premium based on the same core pricing factors that US travel insurers use to price single-trip and annual policies. Enter your trip cost, destination, duration, traveller age, and coverage type — and the calculator returns a realistic premium range based on current market rates.
Travel insurance premiums are priced differently from other insurance types — they are primarily calculated as a percentage of your total prepaid, non-refundable trip cost, then adjusted for traveller age, destination risk, and trip duration. Our calculator uses 2026 rate averages from major US travel insurers to generate your estimate.
The figures shown are estimates rather than exact quotes. Actual premiums depend on the specific plan you choose, your insurer, and whether you add optional upgrades such as Cancel For Any Reason (CFAR) or adventure sports coverage. This tool helps you budget for travel insurance before comparing real plans.
This calculator does not require personal information and does not generate quotes from insurance companies. It is an educational planning tool.
Travel insurance is priced differently from other insurance types. Premiums are primarily driven by your trip cost and traveller age — with destination and duration adding further adjustments.
The single biggest driver of your travel insurance premium. Most plans cost 4-8% of your total prepaid, non-refundable trip costs. A $3,000 trip costs roughly $120-$240 to insure. A $10,000 trip costs $400-$800. Only insure your non-refundable costs there is no benefit insuring amounts you can recover directly from airlines or hotels.
Age is the second biggest pricing factor. Under-30 travellers pay the lowest premiums — often 30-50% less than travellers over 60. After age 60, premiums increase steeply because medical risk and evacuation likelihood rise significantly. Travellers over 70 can expect to pay 8-12% of trip cost for comprehensive coverage.
High medical cost destinations — Japan, Switzerland, Scandinavia, and the United States (for non-US residents) — increase premiums for international plans. Remote destinations with limited medical facilities increase evacuation coverage costs. Travel to countries under active government travel warnings may be excluded entirely.
Longer trips cost more to insure because they represent a greater period of exposure to cancellation, medical, and delay events. A 7-day trip to Europe costs less to insure than a 21-day trip to the same destination for the same person and the same coverage level.
Basic plans cover medical and evacuation only. Standard plans add trip cancellation, interruption, and baggage. Comprehensive plans include higher limits across all categories. Cancel For Any Reason (CFAR) upgrades add 30-50% to your base premium but allow cancellation for any reason with 50-75% reimbursement.
Travel insurance premiums vary between insurers even for identical trip profiles. Two travellers with the same trip cost, destination, duration, and age can receive quotes that differ by $50-$150 — because each insurer prices medical risk and cancellation exposure differently.
For this reason, the calculator provides a cost range rather than a single number. The range reflects typical premium variation between competing travel insurers for your trip profile. CFAR plans show a wider range because the upgrade cost percentage varies more significantly between providers — typically 30-50% above the base plan.
Use this estimate as a budgeting reference. Then compare real plans from at least two to three travel insurance providers before purchasing — travel insurance comparison sites show multiple plans side by side for your specific trip details.
A travel insurance cost estimator is most valuable in these situations:
Using a cost calculator before purchasing helps you understand the trade-off between premium and coverage limits — and prevents you from either overpaying for coverage you do not need or underpaying for protection that leaves you exposed during an expensive trip.
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Compare the real cost difference between Cancel For Any Reason and a standard policy for your specific trip.
Check medical quality and travel risk ratings for your destination to understand what coverage level you actually need.
Find out which adventure activities are covered under standard plans and which require a specific add-on rider.
WIll it worth it?
The answer depends on three factors: how much you have at risk in non-refundable bookings, where you are travelling, and your existing coverage through health insurance or credit cards. Here is a quick decision framework.
Important note: Your domestic health insurance typically does not cover medical costs abroad — and emergency evacuation (which can cost $50,000-$150,000) is almost never covered. This is the primary reason international travellers need dedicated travel insurance regardless of their existing health coverage.
This calculator provides an estimate based on 2026 major US travel insurer premium averages. Results typically fall within 10-20% of actual plan premiums when inputs are accurate. Always compare real plans from at least two providers before purchasing, as travel insurance pricing varies significantly between insurers.
No. This is an educational estimate tool, not a quote engine. Real quotes require an insurer to confirm your specific trip details, departure date, and destination. Use this calculator to budget and understand your cost range.
No personal information is required. The calculator uses general inputs — trip cost range, destination region, trip duration, traveller age range, and coverage type. No name, email, or payment information is collected.
Travel insurers price medical risk, cancellation exposure, and destination risk differently based on their own claims data. An insurer with high medical claims from a particular destination may price that route significantly higher than a competitor. CFAR upgrade pricing also varies 30-50% between providers. Always compare at least two or three plans.
Most current policies cover COVID-19 as a covered illness for medical expenses and trip cancellation if you or a travel companion test positive before departure. However, government-ordered travel bans and general fear of illness are typically not covered unless you have a CFAR plan. Always read pandemic exclusions carefully before purchasing.
Financial planners and travel insurance experts recommend a minimum of $100,000 in emergency medical coverage for international travel. Emergency evacuation — which can cost $50,000-$150,000 for an air evacuation from a remote location — should have a minimum limit of $250,000, with $500,000 recommended for adventure travel or remote destinations.
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