Estimate your trip insurance premium based on destination, trip cost, traveler age, trip length, and coverage type.
Trip Premium = Total Trip Cost x travelers x 5.5% (base rate)
x Traveler age (Under 30: 0.80 / 30-49: 1.0 / 50-64: 1.25 / 65-74: 1.60 / 75+: 2.10)
x Destination (Domestic: 0.60 / Canada/Mexico: 0.75 / Europe: 1.0 / Asia: 1.10 / Africa/Middle East: 1.30)
x Trip length (1-5 days: 0.75 / 6-10 days: 1.0 / 11-15 days: 1.20 / 22+ days: 1.55)
x Coverage type (Basic: 0.65 / Standard: 1.0 / Comprehensive: 1.35 / Annual Multi-Trip: 0.85)
x Cancel For Any Reason (+50% if selected)
+ Pre-existing conditions waiver (+2% of trip cost)
+ Adventure sports rider (+1.5% of trip cost)
Range = Estimate x 0.85 to Estimate x 1.15 (minimum $15)
Standard travel insurance covers trip cancellation, medical emergencies abroad, emergency evacuation, baggage loss, and travel delays.
Buy as soon as you book. Some benefits require purchase within 10-21 days of your initial deposit.
CFAR lets you cancel for any reason and receive 50-75% back. It adds 40-60% to your premium.
Many premium cards include some protections, but standalone policies typically provide more comprehensive coverage.
Travel insurance typically costs 4-8% of your total trip cost.
Trip cost and length. Travel insurance is priced largely on the total prepaid, non-refundable trip cost and the number of days, since both set how much the insurer could owe. A longer, pricier trip costs more to cover.
Traveler age and destination. Older travelers and higher-risk or higher-cost destinations raise the premium, mainly through the medical portion of the coverage.
Coverage type. Basic trip-cancellation costs less than comprehensive plans that add medical, evacuation, and baggage. Choose based on the risks that matter for your trip.
Travel insurance typically runs a single-digit percentage of your trip cost, so the range is best read as a share of what you have prepaid. The low end reflects a short, inexpensive domestic trip for a younger traveler; the high end reflects a long international trip, an older traveler, or comprehensive coverage. If cancellation is your main worry, a basic plan may suffice; for medical protection abroad, comprehensive is usually worth the higher end.
This is an educational estimate, not a quote. It does not price optional upgrades like cancel-for-any-reason coverage or pre-existing-condition waivers, which have time-sensitive purchase windows. Coverage terms and exclusions vary widely by plan. Compare real quotes and read the certificate of coverage before buying.
Depending on the plan, it can cover trip cancellation, interruption, emergency medical care, evacuation, and lost baggage. Comprehensive plans bundle these together.
Often not, or only minimally. Travel medical coverage and emergency evacuation can be the most valuable parts of a policy for international trips.
An optional upgrade that lets you cancel for reasons a standard policy would not cover, reimbursing a portion of your cost. It must usually be purchased soon after booking.
Buy soon after making your first trip payment. Early purchase preserves access to time-sensitive benefits like pre-existing-condition waivers and cancel-for-any-reason upgrades.
Many current plans cover trip cancellation and medical care for covered illnesses, but terms vary. Read the certificate of coverage so you know exactly what qualifies before you rely on it.
Interpret a quote with reading a travel insurance estimate, learn the essentials in our travel insurance guide, and if you ever need to use it, see how to file an insurance claim.
Premium estimates are based on 2026 travel insurance industry rate data from major carriers, calculated as a percentage of total trip cost adjusted for traveler age, trip duration, destination risk tier, coverage type, and Cancel For Any Reason upgrade. Data sourced from Squaremouth and InsureMyTrip published rate ranges. Rates reviewed June 2026.
Data sources: