Travel insurance cost estimator
Get an illustrative cost band for travel insurance based on your trip details. This calculator does not ask for medical details — for policies covering pre-existing conditions, speak to your insurer directly.
Optional add-ons
Assumptions and methodology
Uses illustrative base prices by destination region with multipliers for trip length, number of travellers, age band, trip type, and add-ons. All bands from config/assumptions.ts, clearly labelled as not a quote. Standard rate IPT (12%) is included.
Common mistakes to avoid
- ✕Not declaring pre-existing medical conditions — undeclared conditions may not be covered.
- ✕Buying travel insurance after departure — cancellation cover only applies from the policy start date.
- ✕Choosing the cheapest option without checking the cancellation and medical cover limits.
Frequently asked questions
This tool gives illustrative cost bands only — not a real quote. Pre-existing conditions can significantly affect real premiums and coverage. Always declare relevant conditions when taking out a real policy.
Travel insurance sold directly attracts IPT at 12%. Travel insurance bundled with related goods or services may attract the higher 20% rate. The bands shown include 12% IPT.
As soon as you book your trip — so that cancellation cover applies from the booking date. Waiting until departure means you have no cancellation cover.
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Disclaimer
This is a simplified estimate based on the assumptions shown above. It isn't a quote, and a real insurer may arrive at a different figure. Use it as a starting point, then check the details with your insurer or adviser.