Travel Insurance Calculator
Estimate a travel insurance premium from your trip cost, length, group size, age and cover level, with per-person and per-day figures. Calculates in your browser.
Estimated premium
Illustrative estimate from assumed rates, not an insurer's price.
Show the math
The premium blends a share of your insured trip cost with a small per-traveller daily medical component, then scales by the oldest traveler's age band:
premium = (trip cost × rate + days × per-day × travelers) × age factor
Trip-cancellation cover tracks the money at risk, while medical cover tracks the days you are away, older travelers cost more to insure.
This is a rough planning estimate, not a quote: the tier rates, daily medical amounts and age multipliers are illustrative assumptions, not any insurer's prices. Everything is calculated in your browser.
What this does
A travel insurance calculator estimates a premium from your trip cost, length, group size, age, and cover level, with per-person and per-day figures.
How to use it
- Enter the insured trip cost.
- Set the trip length and group size.
- Choose the oldest traveler’s age band.
- Read the estimated premium.
How it works
Cancellation cover scales with insured cost and medical cover with days; the oldest traveler’s age band multiplies the total. The rates and age multipliers are illustrative assumptions, not any insurer’s prices; real quotes depend on destination and health.
premium ≈ (trip cost × rate + days × medical × travelers) × age factor
Understanding your result
This is a planning estimate, not a quote: a real premium depends heavily on destination, your age, and any pre-existing conditions, which a rough figure cannot price. Focus on the medical cover rather than the headline price, since an overseas emergency is the cost that can run into the tens of thousands, and read the policy limits before you judge a quote as cheap.
Example
A $3,000, 10-day trip for two under 40 on the Standard tier estimates around $210 — a rough planning figure, not a quote.
Last updated .
Frequently asked questions
How is the premium estimated?
It blends a share of your insured trip cost (for cancellation cover) with a small per-traveller daily medical component, then scales by the oldest traveler’s age band.
Why does age matter so much?
Medical risk rises with age, so insurers usually charge older travelers more. The age multipliers here are illustrative assumptions, not any insurer’s rates.
Is this an actual quote?
No. It is a rough planning estimate; real premiums depend on the insurer, destination, activities and any pre-existing conditions.
Is my data kept?
No. Everything is computed locally in your browser.
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