Travel Insurance Estimator
Estimate the cost of a single-trip travel insurance policy in seconds.
What Drives Travel Insurance Pricing
- Destination region — the single biggest driver. US/Canada cover costs 2–3× Europe or Asia.
- Traveler age — rises sharply from 65, and again from 75.
- Trip cost — drives the cancellation portion of the premium (typically 4–8% of trip cost).
- Coverage level — CFAR (cancel-for-any-reason) and adventure cover can add 40–100% to premium.
- Pre-existing conditions — usually need to be declared and may add a waiver fee.
Frequently Asked Questions
Standard policies cover emergency medical treatment overseas, trip cancellation, lost baggage, missed connections, and personal liability while travelling.
US healthcare is the most expensive in the world. Insurers price US-destination cover at 2–3× the rate of European or Asian destinations.
Premiums rise sharply from age 65, and again at 75. Travelers over 75 are commonly charged 3–5× the base rate.
It is worth it when a large share of the trip cost is non-refundable — flights, prepaid hotels, cruises, tours. Typical cost is 4–8% of trip cost.
If you take 3+ trips per year, annual multi-trip is almost always cheaper, with cover up to a per-trip day limit (typically 30 or 45 days).