Travel Insurance Calculator
Estimate your travel insurance cost based on your trip details, destination, and coverage preferences.
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Get instant quotes from top travel insurance providers. Find the best coverage for your trip.
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How to Use This Travel Insurance Calculator
Enter your trip details to get an estimated travel insurance premium. Our calculator uses average rate data from leading travel insurance providers.
- Trip Cost — Enter the total amount of prepaid, non-refundable expenses (flights, hotels, tours).
- Destination — Medical costs vary greatly by region. Remote destinations may require expensive medical evacuation.
- Traveler Age — Older travelers pay more due to higher medical risk. Rates increase significantly after age 60.
- Coverage Level — Basic covers essentials; Premium includes "Cancel For Any Reason" (CFAR) for maximum flexibility.
What Does Travel Insurance Cover?
- Trip Cancellation: Reimburses prepaid expenses if you cancel for covered reasons (illness, weather, family emergency).
- Trip Interruption: Covers costs if your trip is cut short after departure.
- Emergency Medical: Pays for medical treatment abroad (your US health insurance may not cover international care).
- Emergency Evacuation: Covers transport to the nearest medical facility or back home.
- Baggage Loss/Delay: Reimburses for lost, stolen, or delayed luggage.
- Travel Delay: Covers meals and accommodations if your flight is delayed.
Frequently Asked Questions
How much does travel insurance cost?
Travel insurance typically costs 4-10% of your total trip cost. For a $5,000 trip, expect to pay $200-$500. The exact cost depends on your age, destination, trip length, and coverage level.
Do I need travel insurance?
It's strongly recommended for international trips, cruises, expensive prepaid vacations, or if you could lose money from a last-minute cancellation. Medicare and most US health plans don't cover medical care abroad.
What is CFAR coverage?
Cancel For Any Reason (CFAR) is an optional upgrade that lets you cancel your trip for any reason not covered by the base policy and receive 50-75% of your non-refundable trip cost back. It typically adds 40-60% to the premium.
Disclaimer
This calculator provides estimates based on average data and is for educational purposes only. Results are not insurance quotes. Actual premiums vary by provider, traveler health, and policy terms. Consult travel insurance providers for accurate quotes.