Trip Insurance Cost Estimator

Estimate your travel insurance cost instantly. No signup required.

Trip Cost (USD)

Total prepaid, nonrefundable trip cost.

Traveler Age

Age of the primary traveler.

Trip Duration (days)

Number of days for the trip.

Destination Risk Level

Based on medical and security risk.

How It Works

This estimator uses a base rate of 4.5% of your total trip cost, then adjusts for age, trip duration, and destination risk. The formula is: Cost = TripCost x 0.045 x AgeFactor x DurationFactor x RiskFactor.

Age factor: Under 30 = 0.9, 30-60 = 1.0, over 60 = 1.3
Duration factor: 1-7 days = 1.0, 8-14 days = 1.15, 15+ days = 1.3
Risk factor: Low = 0.85, Medium = 1.0, High = 1.25

All values are based on industry averages for comprehensive travel insurance (trip cancellation, medical, baggage).