Travel Insurance Comparison Calculator

This calculator prices three standard travel-insurance tiers side by side — Basic, Standard, and Comprehensive — using a shared set of rating factors applied at different base rates (4.5%, 6.5%, and 10% of trip cost respectively, reflecting each tier's richer medical, evacuation, and cancel-for-any-reason benefits). Age is the dominant factor: premiums hold at a discount through age 35, sit flat through 50, then begin climbing at 4% per year of age from 51 to 60, accelerate to 6% per year from 61 to 70, and steepen further still to 8% per year past 70, mirroring how real travel insurers price medical risk. Destination adds its own multiplier, from 1.0x domestic up to 1.6x for extreme or remote locations, and trip length feeds a logarithmic duration factor so a month-long trip costs more per policy but not proportionally more per day than a week-long one.

Adding a pre-existing-condition waiver adds a flat 20% to whatever premium you'd otherwise pay. One important assumption: the trip cost you enter is treated as the cost per traveler, not the group total — the calculator multiplies by the number of travelers to get an aggregate premium, then divides back down to show a per-person cost, so the per-person figures shown for each tier will not change no matter how many travelers you enter; only the implied group total does. Use the per-person numbers to compare tiers, and multiply by your party size yourself if you need the group total.