Travel Insurance Calculator

A base per-day rate is multiplied by trip length, then adjusted by destination risk/medical cost, traveler age, coverage level, and trip purpose. Longer trips (30+ days) typically get a per-day discount.

Healthcare costs vary hugely by region — a hospital stay in the US or Canada can cost 5-10x what it costs in much of Asia, so insurers price coverage higher for expensive-healthcare destinations.

Older travelers (65+) have statistically higher odds of needing medical care abroad, so insurers charge meaningfully more — often 2-3x the standard adult rate.

Basic covers emergency medical and evacuation only. Standard adds trip cancellation and lost luggage. Premium adds adventure sports, pre-existing condition coverage, and higher medical limits.