Travel Insurance Calculator
Instantly estimate your UK travel insurance premium based on your destination, age, trip duration, and medical conditions.
Estimate Your Insurance Premium
Enter your trip details below to get an indicative estimate of what your travel insurance might cost. No personal data is stored.
Premium Estimator
Get a quick, indicative quote based on current market averages.
How it Works
Understanding travel insurance costs
Choose Destination
Healthcare costs vary wildly. USA and Caribbean destinations cost more to insure due to high medical expenses.
Enter Trip Details
Input the length of your trip and the age of the oldest traveler, as age and duration directly impact risk.
Declare Medical Conditions
Honestly indicate if you have pre-existing conditions. This applies a realistic loading factor to the estimate.
View Your Estimate
Get an instant breakdown of your estimated total premium, per-person cost, and suggested cancellation cover.
Insurance Cost Factors
Key variables that insurers use to calculate your travel insurance premium.
| Factor | Impact on Premium | Why It Matters |
|---|---|---|
| Destination | High Impact | Medical repatriation from the USA or Caribbean can cost tens of thousands, increasing base rates. |
| Age | High Impact | Statistical risk of requiring medical attention increases with age, particularly over 65. |
| Trip Duration | Medium Impact | Longer trips mean a longer window of exposure to potential risks like cancellation or illness. |
| Medical Conditions | High Impact | Pre-existing conditions require specialist underwriting and increase the likelihood of a medical claim. |
| Activities | Variable Impact | Winter sports, scuba diving, or extreme activities require add-on cover, increasing the total cost. |
| Excess Level | Inverse Impact | Choosing a higher voluntary excess (the amount you pay towards a claim) will lower your upfront premium. |
Travel Insurance FAQ
Answers to the most frequently asked questions about travel insurance costs, medical declarations, and coverage.
Travel insurance premiums are calculated based on several key factors: your destination (medical costs vary by country), your age, the length of your trip, the number of travelers, and whether you have any pre-existing medical conditions that need to be declared.
Yes, it is a legal requirement to declare all pre-existing medical conditions. Failing to do so can invalidate your entire policy, meaning the insurer may refuse to pay out for any claims, even those completely unrelated to your medical condition.
European cover applies to countries within the European Union and sometimes a few specified neighbouring countries. Worldwide cover is split into two tiers: ‘Worldwide excluding USA, Canada, and the Caribbean’ (cheaper due to lower medical costs), and ‘Worldwide including USA, Canada, and the Caribbean’ (more expensive due to high healthcare costs in these regions).
Most comprehensive travel insurance policies include trip cancellation cover. This reimburses you for pre-paid, non-refundable trip costs if you have to cancel for a covered reason, such as sudden illness, injury, or a family bereavement. Always check the specific policy wording for exclusions.