Travel Insurance Calculator
Our travel insurance calculator estimates the cost of single-trip and annual multi-trip travel insurance based on your destination, age, trip duration, and cover level. Inadequate medical cover abroad can result in bills of hundreds of thousands of pounds — this is one area where the cheapest policy is rarely the best.
Travel Insurance Calculator
Estimate travel insurance costs based on your trip and medical profile.
What Travel Insurance Must Cover
The minimum recommended medical cover is £1 million for Europe and £2 million for worldwide travel, particularly the USA and Canada where healthcare costs are extreme. A single night in a US hospital can cost $10,000–$30,000. The Global Health Insurance Card (GHIC) provides limited state healthcare cover in EU countries but does not replace travel insurance — always carry both. If you take more than two foreign trips per year, an annual multi-trip policy is almost always cheaper than buying separate single-trip cover. Use our Life Insurance Calculator to compare protection costs across different insurance types as a reference.
Frequently Asked Questions
Pre-existing medical conditions are frequently excluded unless declared and accepted. Adventure sports above a certain risk level require specialist cover. Always read the policy exclusions before purchasing.
Yes — the replacement GHIC provides more limited access than the pre-Brexit EHIC. For full coverage of private hospitals, repatriation, cancellation, and baggage, travel insurance remains essential.
Some premium credit cards include complimentary travel insurance for card-booked trips. Check the terms carefully — cover levels, exclusions, and the booking requirement vary enormously.
Standard travel policies exclude skiing and snowboarding. Winter sports cover adds piste closure, ski equipment, and on-piste rescue costs — typically an add-on of £10–£30 per trip.
Yes — premiums increase with age, often sharply above 65 or 70. Specialist over-70 travel insurers exist and offer more competitive rates for older travellers.
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.
Important Information
This calculator is provided for general information and planning purposes only. It does not constitute financial or tax advice and should not be relied upon as such. Figures are indicative estimates based on simplified, publicly available criteria and stated assumptions. Actual results depend on your full circumstances. See our Disclaimer for further information.