Work out travel insurance cover instantly with clear inputs, formula shown and shareable results.
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.
Premium
Premium = Trip days x Base rate per day x Zone factor x Age factor
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.
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.
Usually excluded unless specifically declared and accepted, often with an additional premium and a sub-limit.