Travel Insurance Cost Calculator — Honest % Ranges

How to use

1. Enter your total prepaid trip cost.
2. Enter the traveler's age and trip length in days.
3. Choose basic or comprehensive coverage.
4. Press Estimate to see the low–high range and factor table.

General information only — not medical, financial or legal advice. Figures cross-checked against public official sources (IRS / HMRC / NHS / WHO guidance); content last reviewed September 2026. For decisions that matter, confirm with a licensed professional in your country.

About this tool

Travel insurance pricing is famously opaque, so this estimator shows the mechanics instead of a black box. Trip cost, traveler age, trip length and coverage level feed published industry ranges: basic plans run roughly 4–6% of trip cost and comprehensive plans 6–10%, adjusted by age-band and duration factors that mirror how insurers actually price risk. You get an honest low-to-high dollar estimate, the percentage of your trip it represents, and a per-day average, with every assumption displayed in a factor table. It runs entirely in your browser and quotes nothing — real premiums vary by insurer, destination, medical history, activities and trip details. Use it to sanity-check quotes and understand which levers move the price before you buy, not as a professional insurance quote.

FAQ

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