2026 Calculator
Travel Insurance Calculator
Estimate your travel coverage costs
Legal Disclaimer
This estimate is based on projected 2026 data and industry averages. Actual premiums vary by insurer, location, and individual factors. Consult a licensed insurance agent for accurate quotes.
*Based on estimated 2026 projections. Data may not reflect real-time legislative changes.
FAQ
How much does travel insurance cost in 2026?
Travel insurance typically costs 4-8% of your total trip cost. A $5,000 trip would have premiums of $200-$400. Factors include traveler age, destination, trip length, and coverage level. Adventure travel and cruise policies cost more.
What does travel insurance cover?
Travel insurance covers trip cancellation/interruption, medical emergencies abroad, emergency evacuation, lost/delayed baggage, travel delays, and 24/7 assistance. Some policies include cancel-for-any-reason (CFAR) coverage for higher premiums.
When should I buy travel insurance?
Buy travel insurance as soon as you book your trip, ideally within 14-21 days. Early purchase gives access to pre-existing condition waivers and cancel-for-any-reason upgrades. Most policies can be purchased up to the day before departure.