Travel Insurance Estimate Calculator
Example: Total insured trip cost: 6000 $ · Age of oldest traveler: 45 yrs · Trip length: 14 days · Base rate of trip cost: 6 %
| Estimated premium | $360 |
| Premium as % of trip | 6.00% |
| Cost per day | $26 |
Worked example
For a $6,000 trip, a 6% base rate is $360. With the oldest traveler at 45, no age loading applies, so the estimated premium stays about $360, which is 6% of the trip and roughly $26 a day over a 14-day trip. Bump the oldest traveler to 65 and the age loading adds about 30%, lifting the estimate to around $468 — a reminder that age is a major driver of travel insurance pricing.
Frequently asked questions
What does travel insurance actually cover?
Comprehensive policies typically bundle trip cancellation and interruption, emergency medical care and evacuation, baggage loss, and travel delay. The medical and evacuation portion is often the most valuable, since a serious event abroad can cost far more than the trip itself.
Why does age raise the price so much?
Older travelers file more and larger medical claims, so insurers load the premium with age. This model adds a rising percentage past age 50, which mirrors the pattern in real quotes, though each insurer sets its own bands.
Should I insure the whole trip cost?
Insure the non-refundable portion you would actually lose, since that is what cancellation coverage pays back. Refundable bookings do not need to be insured, and lowering the insured amount lowers the premium.
When is travel insurance worth it?
It makes the most sense for expensive, prepaid, non-refundable trips, travel to places with costly medical care, and travelers with health or timing risks. For a cheap, flexible domestic trip, the medical coverage you already have may be enough.