US travel insurance estimator
Free US travel insurance calculator. Estimate your annual multi-trip premium from age, destination region, trip length and cover level — domestic to worldwide, 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 destination region. Pick domestic, international or worldwide. Wider regions cost more because medical costs abroad drive the price.
- 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.
- Region-based pricing. Compares domestic, international and worldwide cover, since destination is the biggest premium driver.
- Medical-cost aware. Reflects that emergency medical costs abroad are the main reason worldwide cover costs the most.
- 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 domestic, international and worldwide cover
- Seeing how age and trip length change the premium
- 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 US 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.
Why does the destination region matter so much?
Emergency medical costs abroad are the biggest driver of travel premiums. Domestic trips are cheapest, international more, and worldwide cover the most expensive.
What does the cover level change?
Higher cover levels raise medical, cancellation and baggage limits and add benefits, which increases the premium. The tool compares basic, standard and comprehensive.
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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