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
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 traveller's age band:
premium = (trip cost × rate + days × per-day × travellers) × age factor
Trip-cancellation cover tracks the money at risk, while medical cover tracks the days you are away, older travellers cost more to insure.
This is a rough planning estimate, not a quote. 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 traveller’s age band.
- Read the estimated premium.
How it works
Cancellation cover scales with insured cost and medical cover with days; the oldest traveller’s age band multiplies the total. Real quotes depend on destination and health.
premium ≈ (trip cost × rate) + (days × medical) × 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 might estimate around $120 — a rough planning figure, not a quote.
Sources & methodology
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 traveller\u2019s age band.
Why does age matter so much?
Medical claims rise sharply with age, so insurers charge older travellers a higher multiple, often several times the base rate past 70.
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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