Travel Insurance Estimator
Get realistic cost estimates for travel insurance based on age, trip length, destination, and coverage level.
When You Need Travel Insurance
- International trips — Your domestic health insurance usually doesn’t cover you abroad.
- Expensive trips ($3K+) — Trip cancellation coverage protects your investment.
- Adventure activities — Diving, skiing, climbing usually need supplemental coverage.
- Older travelers (60+) — Healthcare risks are higher; insurance is more valuable.
- Remote destinations — Medical evacuation can cost $100K+ without insurance.
How to use the travel insurance estimator
Get a ballpark cost for travel insurance based on your trip length, destination, age and coverage level. A quick way to budget before comparing policies.
What affects the price
- Destination & activities — medical costs (e.g. the US) and adventure sports raise premiums.
- Trip length & age — both push the price up.
- Coverage level — medical, cancellation, baggage and gadget cover.
Always read what’s covered — especially medical limits and pre-existing conditions.
Travel Insurance Estimator FAQ
Do I need travel insurance?
Strongly recommended — it covers medical emergencies, cancellations and lost baggage, which can cost far more than the premium.
What does travel insurance cost?
Typically a small percentage of your trip cost, varying with destination, length, age and coverage.
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What the cover levels actually mean
This is a ballpark to help you budget — not a quote. What you pay for changes a lot by tier:
- Basic — emergency medical and repatriation, usually with a modest cap. Fine for a short, low-risk trip.
- Standard — higher medical limits plus trip cancellation, delay and lost-baggage cover. The usual choice for international trips.
- Comprehensive — the highest medical limits, generous cancellation, and add-ons like gadget cover or cancel-for-any-reason.
Whatever the price, check two things on any policy: the medical limit (aim high — an overseas hospital bill is the real risk) and whether your pre-existing conditions and any adventure activities are covered. Always read the policy wording before you buy.
