Travel Insurance Cost Calculator
What cover should cost, and whether it is worth it.
Enter your values
Enter the insured trip cost per person in $.
Enter the traveller age in yr.
Enter the trip length in days.
Choose one of: Europe, Worldwide excluding US, Worldwide including US.
Enter the travellers you are working with.
Enter the annual multi-trip policy price in $.
Enter the trips you take per year you are working with.
Results update instantly as you type — no submit needed. Your values are remembered on this device, and the shareable link reopens the calculator with exactly these numbers.
- Estimated premium per person
- $254.10
- Total for the party
- $508.20
- As a share of trip cost
- 8.5%
- Annual policy per trip
- $86.67
- Cheaper option
- Annual multi-trip policy
- Yearly cost if you buy single trips
- $762.30
Quick answer
Single-trip travel insurance typically costs 4–8% of the insured trip cost, rising sharply with age and for destinations with high medical costs.
Premium ≈ trip cost × base rate × age factor × region factor
At a glance
| What it does | What cover should cost, and whether it is worth it. |
|---|---|
| Category | Travel |
| Inputs needed | Insured trip cost per person, Traveller age, Trip length, Destination, Travellers, Annual multi-trip policy price, Trips you take per year |
| Main output | Estimated premium per person |
| Formula | Premium ≈ trip cost × base rate × age factor × region factor |
| Cost | Free — no sign-up, no download |
How to use the Travel Insurance Cost Calculator
- 1Enter the non-refundable trip cost you want insured.
- 2Enter the traveller's age and trip length.
- 3Pick the destination region — US medical cover is the most expensive.
Inputs explained
- Insured trip cost per person($)
- Enter the insured trip cost per person in $.
- Traveller age(yr)
- Enter the traveller age in yr.
- Trip length(days)
- Enter the trip length in days.
- Destination
- Choose one of: Europe, Worldwide excluding US, Worldwide including US.
- Travellers
- Enter the travellers you are working with.
- Annual multi-trip policy price($)
- Enter the annual multi-trip policy price in $.
- Trips you take per year
- Enter the trips you take per year you are working with.
Worked example
Using the values the calculator loads with:
Inputs
- Insured trip cost per person3000 $
- Traveller age42 yr
- Trip length12 days
- DestinationWorldwide including US
- Travellers2
- Annual multi-trip policy price260 $
- Trips you take per year3
Results
- Estimated premium per person$254.10
- Total for the party$508.20
- As a share of trip cost8.5%
- Annual policy per trip$86.67
- Cheaper optionAnnual multi-trip policy
- Yearly cost if you buy single trips$762.30
Frequently asked questions
What should a policy cover?
Emergency medical and repatriation are the essentials — aim for at least $100,000 medical, plus cancellation cover matching your non-refundable spend.
Does my credit card already cover me?
Some premium cards include trip cancellation and medical cover when the trip is paid on the card, but limits are often low and pre-existing conditions excluded.
What do I need to enter into the Travel Insurance Cost Calculator?
Just 7 values: insured trip cost per person, traveller age, trip length, destination, travellers, annual multi-trip policy price, trips you take per year. Every field starts with a realistic example, so you can change one number at a time and watch the result update instantly.
How does the Travel Insurance Cost Calculator work out the answer?
Single-trip travel insurance typically costs 4–8% of the insured trip cost, rising sharply with age and for destinations with high medical costs. It applies the formula Premium ≈ trip cost × base rate × age factor × region factor and shows the working so you can check each step by hand.
Is the Travel Insurance Cost Calculator free, and do I need an account?
It is completely free with no sign-up, no download and no usage limit. Everything is calculated in your browser, so the numbers you type never leave your device.
Results are estimates for general information. For medical, legal, structural or financial decisions, confirm with a qualified professional.