Travel Insurance Premium Estimator – Find Out What You'll Pay in Seconds
Estimate your travel insurance costs based on destination, duration, age, and coverage, no email required.
How Travel Insurance Costs Are Calculated
Cost Factors
Trip Duration
Longer trips generally cost more per day
Destination Risk
Some regions have higher medical costs
Traveler Age
Older travelers typically pay more
Coverage Level
Comprehensive plans cost more but offer better protection
Pre-existing Conditions
Medical conditions increase premiums significantly
Trip Cost
Higher trip costs mean more expensive cancellation coverage
Activities
Adventure sports and high-risk activities add to cost
Group Size
Larger groups may get discounts but have higher total costs
By Destination
Average cost: $50-150 per week
- • High medical costs in the US
- • Canada more affordable
- • Domestic trips often covered by existing health insurance
Average cost: $30-100 per week
- • EHIC covers basic care for Europeans
- • Schengen countries require proof of insurance
- • Moderate healthcare costs
Average cost: $25-80 per week
- • Varies widely by country
- • Japan, Singapore expensive
- • Southeast Asia generally affordable
Average cost: $35-90 per week
- • Moderate healthcare costs
- • Altitude considerations for Andes
- • Adventure activities popular
Average cost: $40-120 per week
- • Medical evacuation important
- • Varying healthcare quality
- • Safari and adventure risks
Average cost: $45-110 per week
- • Australia has high medical costs
- • New Zealand moderate
- • Remote locations need evacuation coverage
Coverage Types
Average cost: $20-60 per week
- • Emergency medical only
- • Limited baggage protection
- • Basic trip delay
- • No cancellation coverage
Average cost: $40-100 per week
- • Comprehensive medical
- • Trip cancellation
- • Lost baggage coverage
- • Travel delays
Average cost: $60-150 per week
- • All standard benefits
- • Pre-existing condition coverage
- • Adventure sports
- • Higher coverage limits
Frequently Asked Questions
How much does travel insurance cost?
Travel insurance typically costs 4-10% of your total trip cost. For a $5,000 trip, expect to pay $200-500 for coverage.
Is travel insurance worth it?
Yes, especially for international trips. Medical emergencies abroad can cost thousands, and insurance provides peace of mind and financial protection.
What does travel insurance typically cover?
Standard policies cover emergency medical, trip cancellation, lost baggage, travel delays, and 24/7 assistance services.
Can I buy travel insurance after booking?
Yes, but buy as soon as possible. Some benefits like pre-existing condition coverage and cancel-for-any-reason require early purchase.
Does my credit card provide travel insurance?
Some premium cards offer basic coverage, but it's often limited. Check your card benefits and consider supplemental coverage.
What's the difference between single-trip and annual policies?
Single-trip covers one journey, while annual policies cover multiple trips throughout the year. Annual plans are cost-effective for frequent travelers.