Travel Insurance Cost Calculator
Estimate travel insurance cost based on trip cost, duration, traveler age, and destination risk.
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How to use this calculator
- 1
Enter your total prepaid trip cost (flights, hotels, tours).
- 2
Set the trip duration and the age of the oldest traveler.
- 3
Select your destination risk level and preferred coverage type.
- 4
Enter the number of travelers to see total and per-person premium estimates.
Frequently asked questions
What does comprehensive travel insurance cover?
Comprehensive plans typically include trip cancellation, trip interruption, emergency medical, medical evacuation, baggage loss or delay, and travel delay. Basic plans usually only cover trip cancellation and minimal medical.
What is "cancel for any reason" (CFAR) coverage?
CFAR allows you to cancel your trip for any reason not covered by a standard policy and receive 50–75% of your non-refundable trip costs back. It must typically be purchased within 14–21 days of your initial trip deposit.
Does my credit card provide travel insurance?
Some premium credit cards include basic trip cancellation, baggage delay, and auto rental coverage. However, the limits are often low and medical/evacuation coverage is usually absent. A standalone policy is advisable for expensive trips or travel to remote areas.
Travel Insurance Cost Calculator
How travel insurance premiums are calculated
Travel insurance typically costs 4–10% of your total prepaid trip cost. The rate varies based on the age of the oldest traveler (older travelers are more expensive to cover), destination (high-risk zones and developing countries cost more), trip duration, and coverage level. A 35-year-old on a $3,000 European trip for two weeks might pay $120–$195 for comprehensive coverage.
When travel insurance is most valuable
Travel insurance pays off when you have significant non-refundable expenses, when traveling internationally (medical evacuation from Europe can cost $50,000+), when health conditions could cause cancellation, or when visiting regions with political instability or natural disaster risk. For a $500 domestic weekend trip with refundable bookings, it is rarely worth it.
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Results are estimates for informational purposes only and do not constitute professional financial, medical, legal, or technical advice. Read full disclaimer →