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Free travel insurance cost calculator for vacation and business trips — trip cost, travelers, length, destination band, and plan level—not a carrier quote.
Last updated: April 18, 2026
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Non-refundable prepaid costs you want cancellation / interruption protection to reflect
Total for this trip (all travelers)
$303.53
About $151.76 per traveler if split evenly
Notes
Prepaid costs
Main driver
Higher non-refundable trip spend usually increases the illustrative premium.
Duration
Scaled
Longer trips and more travelers increase the modeled component.
Region
Domestic / intl
International and higher-risk bands carry higher illustrative loads.
Tier
Basic → premium
Premium tiers assume higher limits and broader covered reasons—not policy-specific.
Illustration
Share of total
Real quotes may price by age or separate policies per traveler.
Disclaimer
Illustrative
Compare bindable quotes for underwriting and final price.
Default: $4,800 trip, 2 travelers, 12 days, international, standard plan:
Illustrative total trip premium
~$303.53
We combine a trip-cost-linked term (useful for thinking about cancellation and interruption exposure) with a traveler- and duration-based term, then multiply by destination and plan tier factors. The output is a single total premium for the trip and an even per-traveler split—helpful for budgeting, not for filing a claim or binding coverage.
Higher prepaid trip cost → generally higher illustrative premiumMore travelers and longer trips → higher modeled componentInternational / high-risk bands → higher multiplierPremium plan tier → higher multiplier than basicAge curves, medical questionnaires, and optional riders (CFAR, adventure sports) are not modeled here.
Raise trip cost or switch to “higher risk” to see sensitivity
Protecting your home while you travel? See our renter insurance cost calculator.
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Not an insurance quote; for education and estimation only.
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