UK travel insurance estimator
Free UK travel insurance calculator. Estimate your annual multi-trip premium from age, area of cover, trip length and cover level — Europe to worldwide, instant and private.
How to use
- Enter your age and trip length. Add your age and the longest single trip you take. Older travellers and longer trips raise the estimate.
- Choose your area of cover. Pick Europe, worldwide excluding USA and Canada, or worldwide including USA and Canada. The last is the most expensive.
- Set your cover level. Choose basic, standard or comprehensive cover. Higher limits and more benefits raise the premium.
- Review your estimate. See your estimated annual multi-trip premium in £, the typical range, and each factor's contribution.
Features
- Annual multi-trip model. Prices a policy covering all your trips for a year up to a per-trip day limit, with single-trip noted separately.
- Area-of-cover pricing. Compares Europe, worldwide excluding USA and Canada, and worldwide including USA and Canada in £.
- North-America aware. Reflects that including the USA and Canada raises the premium most, because medical costs there are so high.
- Annual estimate with a range. A point estimate plus a low–high band in £, because premiums vary by insurer and traveller.
- 100% private. All maths runs in your browser. Your details are never uploaded, stored or shared.
When to use it
- Deciding whether an annual policy beats several single-trip ones
- Estimating cover before a year of frequent travel
- Comparing Europe versus worldwide areas of cover
- Seeing how including the USA and Canada raises the price
- Budgeting travel cover before booking trips
Is it private?
Every calculation runs in your browser. Your age, trip and destination details are never uploaded, stored or shared.
Frequently asked questions
Is this a real travel insurance quote?
No. It is an educational estimate based on published UK averages and standard rating factors. Real prices depend on your age, destinations, health and insurer, so get quotes for exact figures.
Does this price single-trip or annual cover?
It models an annual multi-trip policy that covers all your trips in a year up to a per-trip day limit. Single-trip cover is priced separately and usually costs less for one journey.
What is the area of cover?
It is the region your policy covers: Europe, worldwide excluding USA and Canada, or worldwide including USA and Canada. The wider the area, the higher the premium.
Why does including the USA and Canada cost the most?
Medical treatment costs in North America are very high, so insurers charge a premium for cover that includes the USA and Canada. It is the priciest area of cover.
Do the rates stay accurate?
Average premiums drift over time, so each estimate shows its data vintage. The underlying rating factors are more stable.
Is my information private?
Yes. Everything runs locally in your browser with no upload, no storage and no sign-up.
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