Travel Insurance Cost Estimator
Estimate travel insurance premium as a percentage of trip cost, adjusted for traveler age and destination.
What this calculates
Travel insurance typically runs 4-10% of total trip cost. Premiums scale with age (older travelers pay more) and destination risk (medical-care availability, evacuation distance). This calculator gives a ballpark — actual quotes vary by provider and coverage tier.
Formula & how it works
Base premium = trip_cost × base_rate (5% domestic / 6% international / 8% adventure or remote). Age multiplier: ≤35 ×1.0, 36-55 ×1.2, 56-70 ×1.6, 71+ ×2.4.
Worked example
$4,000 international trip, age 48. Base 6% = $240. Age multiplier 1.2 → $288.
Frequently asked questions
Cancel for any reason (CFAR)?
Adds 40-50% to premium but lets you cancel for any reason (usually for 50-75% refund). Must be purchased within 14-21 days of initial deposit.
Credit card coverage?
Premium travel cards (CSR, Amex Plat) include trip cancellation and lost-luggage coverage, but rarely include medical.
Pre-existing conditions?
Waivers available if you buy within 14-21 days of trip deposit. Otherwise excluded.
Disclaimer: Estimate only — always get an actual quote from a licensed provider.