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Calcimator

Travel Insurance Comparison Calculator

Compare basic, standard, and comprehensive travel insurance premiums from trip cost, age, duration, and destination.

Inputs

Results

Standard tier premium ($)

$332.55

≈ 6 tanks of gas

Basic tier premium ($)$230.23
Comprehensive premium ($)$511.62
Basic per person ($)$230.23
Standard per person ($)$332.55
Comprehensive per person ($)$511.62
How to Use This Calculator
  1. Enter the total non-refundable trip cost per traveler.
  2. Set the number of travelers and the trip duration in days.
  3. Select the destination risk level (domestic, international, high-risk country).
  4. Review the Estimated Premium for Cancel for Any Reason, Trip Interruption, and Medical coverage.
  5. Compare the coverage inclusions side-by-side and select the tier that matches your risk tolerance.

How the result changes with Total trip cost ($)

Total trip cost ($)Standard tier premium ($)
50,090$3,331.50
175,065$11,643.62
325,035$21,618.17
450,010$29,930.30

What each input means

Total trip cost ($)
Total prepaid, non-refundable trip expenses (flights, hotels, tours).
Primary traveler age
Age of the oldest traveler — premiums increase significantly after 60.
Trip duration (days)
Total number of days away from home.
Destination risk (0-3)
0 = Domestic, 1 = Developed international, 2 = Developing countries, 3 = Extreme/remote.
Number of travelers
Total number of people covered under the policy.
Pre-existing waiver (0/1)
1 to add pre-existing medical condition coverage waiver (~20 % surcharge).

What each result means

Basic tier premium ($)
Trip cancellation + $50K medical + $100K evacuation.
Standard tier premium ($)
Trip cancellation + $100K medical + $250K evacuation + baggage.
Comprehensive premium ($)
Cancel-for-any-reason + $250K medical + $500K evacuation + baggage + AD&D.
Basic per person ($)
Basic tier cost per traveler.
Standard per person ($)
Standard tier cost per traveler.
Comprehensive per person ($)
Comprehensive tier cost per traveler.

How this is calculated

Worked example, using the default values

  1. Identify Input Parameters
    4 parameters
    Total trip cost ($) = 5000, Primary traveler age = 40, Trip duration (days) = 10, Destination risk (0-3) = 0 = 6 input(s) provided
  2. Calculate Standard tier premium
    Standard tier premium = tripCost * standardRate * commonMultiplier
    332.55 = $332.55
  3. Calculate Basic tier premium
    Basic tier premium = tripCost * basicRate * commonMultiplier
    230.23 = $230.23
  4. Calculate Comprehensive premium
    Comprehensive premium = tripCost * comprehensiveRate * commonMultiplier
    511.62 = $511.62

Engine last updated . Checked against 2 independently-derived tests — how we verify calculators.

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