Travel Insurance Calculator
Coverage cost as % of trip — cancellation, medical, baggage.
Estimated travel insurance
$245
4-10% of trip cost is typical. CFAR adds ~50% but only refunds 50-75% of trip cost.
Travel insurance usually costs 4–8% of your total trip price — but the right coverage depends on what you’re actually protecting against. A cheap weekend drive needs little; a prepaid international trip with non-refundable bookings needs real protection. This calculator estimates a sensible cost and coverage level.
It frames the decision around your biggest exposures: trip cancellation (recovering non-refundable costs), emergency medical (often excluded by domestic health plans abroad), and baggage.
How this calculator works
The calculator estimates premium as a percentage of your total prepaid trip cost — the industry norm — and adjusts for traveler age and destination, since both drive medical risk and price. It highlights how much cancellation coverage you need (your non-refundable total) and flags emergency-medical and evacuation coverage, which matter most for international travel.
What affects the number
- Total prepaid, non-refundable trip cost (sets cancellation coverage)
- Destination — international trips need emergency medical + evacuation
- Traveler age — older travelers pay more for medical coverage
- Trip length and activities (adventure sports may need a rider)
- Whether your credit card or health plan already provides any coverage
Frequently asked questions
How much does travel insurance cost?
Typically 4–8% of your total trip cost, rising with traveler age and for international destinations. A $5,000 trip might run $200–$400. The calculator estimates a figure for your trip.
Is travel insurance worth it?
It’s most worth it when you have significant non-refundable bookings or are traveling internationally (where your domestic health plan may not cover you and evacuation can cost tens of thousands). For cheap, refundable domestic trips, it’s often skippable.
What does travel insurance cover?
Core coverage includes trip cancellation/interruption, emergency medical and evacuation, and lost/delayed baggage. "Cancel for any reason" upgrades exist but cost more and reimburse only partially.
This calculator provides general estimates for educational purposes only and is not insurance advice or a quote. Your actual rates and coverage needs depend on your specific situation and insurer.