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.
How to use this tool
- 1Enter trip detailsDestination, length, cost.
- 2Enter traveler detailsAges of each traveler.
- 3Pick coverage tierBasic, mid, comprehensive — see estimated cost per tier.
Frequently asked questions
Why does age matter?
Insurers charge more for older travelers — actuarial risk of medical claims is higher.
What does comprehensive cover that basic does not?
Trip cancellation, lost luggage above $1,500, adventure sports coverage, higher medical caps.