Travel Insurance Calculator
Estimate travel insurance premium for domestic or international trips based on cost and coverage level.
By Konstantin Iakovlev · Updated April 2026 · Source: CDC
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
Knowing roughly what a policy will cost before you book lets you fold the premium into your overall trip budget and decide how much protection is worth carrying. The estimate here gives you that figure in seconds, whether the trip is a weekend within the country or several weeks abroad, so coverage against medical emergencies and trip cancellations becomes a planned expense rather than an afterthought.
Four inputs drive the estimate: your total trip cost, the coverage tier you select (basic, standard, or premium), the traveler's age, and whether the destination is domestic or international. To put that in context, a basic international plan for a $3,000 trip taken by a 30-year-old might start near $80, while a premium plan covering a $10,000 international trip for a 60-year-old can run upward of $400 in 2026.
Coverage level matters most once you leave the country, since treatment for a serious illness or injury overseas can reach figures that dwarf the premium difference. Comparing plans on price alone tends to backfire: the cheapest option may cap medical or evacuation benefits well below what an actual emergency would cost, leaving you to cover the gap yourself.
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
How much does travel insurance cost?
Is travel insurance worth it?
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