Travel Insurance Calculator
Estimate what a single-trip travel insurance policy might cost. Enter your trip cost, length, traveler age and destination, pick any add-ons, then press Calculate to see the premium and how it splits.
Written by TopicDrill Editorial Team·Updated June 2026
Where the premium goes
- Base medical & evacuation$97
- Trip cancellation$220
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How the travel insurance calculator works
The estimate starts with a base medical and evacuation rate that grows with the number of days you are away and the medical cost of your destination, then loads it for the age of the oldest traveler. On top of that it layers any add-ons you select, including trip cancellation, which is priced from the prepaid money you would lose if the trip fell through.
The donut chart breaks the premium into those parts so you can see what you are actually paying for. Often the base medical cover is modest and the cancellation slice is the largest, because it protects the biggest dollar amount at stake.
A quick example
Two travelers, oldest age 42, take a 10 day trip to Europe with $4,000 of prepaid, non-refundable cost and add trip cancellation. The medical and evacuation cover for both people is fairly small, but the cancellation slice based on that $4,000 dominates the total, landing the premium in the typical mid-single-digit percentage of the trip cost.
Things to keep in mind
Coverage limits, deductibles and pre-existing-condition waivers all move the real price, so treat this as a budgeting guide rather than a quote. For impartial guidance on what travel insurance should cover, see USA.gov. If you are weighing the trip against other big purchases, our future value calculator can show what that money would grow into instead.
Frequently asked questions
How much does travel insurance usually cost?
A single-trip policy commonly runs somewhere between 4 percent and 10 percent of the prepaid trip cost. The exact figure depends most on the age of the oldest traveler, how long you are away and where you are going, since medical care in some regions is far more expensive than in others.
What drives the premium up the most?
Age and destination have the biggest effect. An older traveler carries more medical risk, so the rate rises steeply past about age 60. Destinations with costly health care, the United States in particular, also push the medical portion of the premium higher.
Do I need trip cancellation coverage?
Cancellation coverage is priced from the non-refundable money you have already paid, so it matters most when you have large prepaid deposits like flights, cruises or tours. If almost everything is refundable, you may only want the medical and evacuation portion instead.
Is this an exact quote?
No. This tool gives a planning estimate built from typical pricing factors so you know roughly what to budget. Real quotes vary by insurer, exact dates, pre-existing conditions and the coverage limits you choose, so always confirm with an actual provider before you buy.
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