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Travel Insurance Cover Calculator

Work out travel insurance cover instantly with clear inputs, formula shown and shareable results.

About Travel Insurance Cover Calculator

Travel insurance is priced per day with multipliers for destination zone and traveller age. Destination matters because it drives medical cost exposure — the United States requires several times the cover of Asia — and age loadings rise sharply beyond 60.

Formula

Premium

Premium = Trip days x Base rate per day x Zone factor x Age factor

Worked example

With the default values below, Travel Insurance Cover Calculator returns Estimated travel insurance premium of $4,410.00. Change any input above and every figure here is recalculated in your browser.

Inputs used

Trip duration
14 days
Destination zoneone of Asia excluding Japan, Europe (Schengen), Worldwide including USA and Canada
Worldwide including USA and Canada
Traveller age
42
Base rate per day per traveller
120

Results

Estimated travel insurance premium
$4,410.00
Recommended medical cover (USD)
50,000
Destination zone factor
2.10
Age loading factor
1.25

Step by step

  1. 1Values used
  2. 2Premium
  3. 3Estimated travel insurance premium= 4,410.00
  4. 4Recommended medical cover (USD)= 50,000
  5. 5Destination zone factor= 2.10
  6. 6Age loading factor= 1.25

Assumptions and limits

  • The result is derived only from the 4 inputs listed above. Anything not among them is not part of the calculation.
  • In particular, this calculator does not take inflation, tax, fees or charges or compounding frequency into account.
  • Figures are rounded for display to 2 decimal places, so totals built from several rounded parts can differ slightly from the unrounded arithmetic.
  • Indicative estimate only. Fees, entitlements, limits and formulas vary by jurisdiction, statute, policy wording and the facts of the case. This is not legal, tax, insurance or financial advice — confirm with a qualified professional or the relevant authority.

How these calculators are built and tested is described on the Methodology page. If a figure looks wrong, please report it.

Indicative estimate only. Fees, entitlements, limits and formulas vary by jurisdiction, statute, policy wording and the facts of the case. This is not legal, tax, insurance or financial advice — confirm with a qualified professional or the relevant authority.

Frequently Asked Questions

How much medical cover do I need?

Around USD 50,000 minimum for the United States, USD 30,000 for Schengen visa compliance, and USD 15,000 or more elsewhere in Asia.

Are pre-existing conditions covered?

Usually excluded unless specifically declared and accepted, often with an additional premium and a sub-limit.

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