Estimate travel insurance cost and compare single trip against annual cover.
Single trip premiums scale with trip cost and duration while annual cover is flat, so the break-even usually falls between two and three trips a year. Annual policies cap individual trip length, often at around 30 days. Medical cover limits matter far more than premium: an uninsured medical evacuation can cost more than a lifetime of premiums.
Travel Insurance
Single trip premium ≈ trip cost × rate × duration factor; annual cover is a flat fee
This estimates cost only and does not assess cover adequacy. Policy exclusions, pre-existing condition terms and medical cover limits vary widely. Read the policy documents and check that activities and destinations are covered.
Single trip premium ≈ trip cost × rate × duration factor; annual cover is a flat fee Single trip premiums scale with trip cost and duration while annual cover is flat, so the break-even usually falls between two and three trips a year. Annual policies cap individual trip length, often at around 30 days.
Medical cover limits matter far more than premium: an uninsured medical evacuation can cost more than a lifetime of premiums.
This calculator takes 6 inputs: Trip length, Travellers, Total trip cost, Premium as a share of trip cost, Trips per year, Annual multi-trip policy cost. The pre-filled defaults are a realistic starting point — replace them with figures from your own environment for a result you can act on.