Travel Insurance Cost Calculator
Last updated: October 15, 2026
Estimate travel insurance cost as a percentage of insured trip cost plus traveler surcharges, optional coverage and policy fees.
Starting figures illustrate this model. Enter your own measurements, quoted costs and applicable terms; this page does not retrieve live prices or provider rates.
Estimated travel insurance premium
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- Estimated cost per traveler: —
- Premium as percentage of trip cost: —
- Optional coverage and fees: —
- Insured trip cost: —
On this page
Quick summary: Estimate travel insurance cost as a percentage of insured trip cost plus traveler surcharges, optional coverage and policy fees.
Read the complete guide
Updated reference sections in this guide are in English.
What this calculator estimates
Estimate travel insurance cost as a percentage of insured trip cost plus traveler surcharges, optional coverage and policy fees.
How to use it
Enter Total insured trip cost ($); Base premium rate (%); Number of travelers; Surcharge per traveler ($); Optional coverage add-ons ($); Policy fee ($). Select Calculate to update the results.
How the calculation works
The calculator multiplies insured trip cost by the selected base rate, then adds per-traveler surcharges, optional coverage and policy fees.
Worked example: starting scenario
| Total insured trip cost ($) | 6000 |
|---|---|
| Base premium rate (%) | 6 |
| Number of travelers | 2 |
| Surcharge per traveler ($) | 35 |
| Optional coverage add-ons ($) | 120 |
| Policy fee ($) | 25 |
| Estimated travel insurance premium | $575.00 |
|---|---|
| Estimated cost per traveler | $287.50 |
| Premium as percentage of trip cost | 9.58% |
| Optional coverage and fees | $215.00 |
| Insured trip cost | $6,000.00 |
Important limitations
Age, destination, trip duration, pre-existing-condition waivers, coverage limits and cancellation benefits affect actual quotes. Read exclusions carefully.