Travel Insurance Premium Estimator

This estimator turns the way many comprehensive travel insurance plans are priced into a rough range. Premiums for plans that include trip cancellation are usually driven by the insured trip cost and the age of the oldest traveler, so the tool multiplies your trip cost, expressed in thousands of dollars, by a per-$1,000 rate range for the age band you pick.

How to use it. Enter the total prepaid, nonrefundable trip cost you want to insure, in thousands. Choose the age band, which fills in a low and high rate per $1,000. You can also edit the rates directly if a quote gives you a better reference. Add any optional extras as a flat dollar amount.

Worked example (illustrative). A 45-year-old insuring a $4,000 trip with the age 40 to 59 band uses 4 x $40 = $160 on the low side and 4 x $90 = $360 on the high side. With a $50 add-on, the range becomes $210 to $410.

Limits. The per-$1,000 rates here are illustrative planning numbers, not filed rates or market averages. Destination, trip length, medical limits, cancel-for-any-reason upgrades, state of residence and pre-existing condition waivers all change real prices. Treat the result as a sanity check for the quotes you receive, then use the quote comparison tool with actual quotes.