Travel Insurance Calculator
Estimate travel insurance premium for domestic or international trips based on cost and coverage level.
Estimated Premium
$1,100.00
Per Person
$550.00
Travelers
2
Coverage Breakdown
| Trip Cancellation | $5,000.00 |
| Medical Coverage | $100,000.00 |
| Baggage Loss/Delay | $3,000.00 |
| Emergency Evacuation | $500,000.00 |
Coverage Type Comparison
| Basic | $660.00 |
| Comprehensive | $1,100.00 |
| Cancel For Any Reason | $1,375.00 |
Coverage Type Guide
- Basic (5-7%): Trip cancellation for covered reasons + limited medical
- Comprehensive (8-12%): Full cancellation + medical + baggage + evacuation
- Cancel For Any Reason (10-15%): All comprehensive benefits + 75% refund for any cancellation reason. Must be purchased within 14-21 days of first trip deposit.
Use the Travel Insurance Calculator above to calculate your results. Enter your values and see instant results — all calculations run in your browser.
Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.
How It Works
Our Travel Insurance Calculator helps you quickly estimate the premium for your upcoming domestic or international adventures. Understanding your potential insurance cost upfront allows for better budgeting and ensures you're adequately protected against unforeseen circumstances like medical emergencies or trip cancellations.
The calculator uses a dynamic algorithm that considers your total trip cost, desired coverage level (basic, standard, premium), traveler's age, and destination (domestic vs. international). For instance, a basic international plan for a $3,000 trip for a 30-year-old might start around $80, while a premium plan for a $10,000 international trip for a 60-year-old could be upwards of $400 for 2026.
Don't underestimate the value of higher coverage levels, especially for international travel; medical emergencies abroad can be incredibly expensive. A common mistake is only considering the lowest premium without evaluating if the coverage truly meets your needs, potentially leaving you underinsured in a crisis.
Example: International Trip to Japan
- 1 Input: Trip Cost: $5,000; Destination: International (Japan); Coverage Level: Standard; Traveler Age: 35.
- 2 Calculation: Based on a standard international plan for a $5,000 trip for a 35-year-old, the estimated premium is calculated. For 2026, a standard international plan for a $5,000 trip for a 35-year-old might be around $150.
- 3 Result: Estimated Travel Insurance Premium: $150.
- 4 Context: This estimate provides a good starting point for budgeting your travel insurance. Remember that actual quotes may vary slightly based on specific provider policies and additional add-ons you might choose, such as adventure sports coverage or 'cancel for any reason' options.
Source: CDC · Last updated: April 2026
Frequently Asked Questions
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