Travel Insurance Calculator

Our travel insurance calculator estimates travel cover for single trips or annual multi-trip policies. Medical emergencies in the USA can cost over £100,000 without insurance.

Enter your destination region, trip duration, and any pre-existing medical conditions. Medical costs are the primary driver of travel insurance premiums — healthcare in the USA, Canada, and Caribbean is particularly expensive relative to European destinations, which is why US/Canada destination cover costs significantly more. Pre-existing conditions must be declared; failure to disclose can invalidate all claims, not just medical ones. Annual multi-trip cover is typically more cost-effective than individual trip policies for anyone travelling twice or more per year. Check whether your bank account or credit card includes travel insurance as a benefit before purchasing separately — many packaged current accounts include cover that is adequate for standard trips.