Price annual cover for unlimited short trips worldwide. Add family, cruise, gadgets, or adventure extras. See costs, risk score, and savings with renewals now.
| Plan | Region | Trips/year | Max days | Tier | Medical | Cancellation | Deductible | Add-ons |
|---|---|---|---|---|---|---|---|---|
| Individual | Worldwide (excluding US) | 4 | 14 | Standard | 100,000 | 3,000 | 250 | Electronics |
| Couple | Europe | 6 | 10 | Premium | 250,000 | 5,000 | 500 | Cruise, Rental car |
| Family | Worldwide (including US) | 3 | 21 | Elite | 500,000 | 10,000 | 1,000 | Pre-existing waiver, CFAR |
This calculator uses a transparent multiplier model for planning. It starts with a tier base rate and applies region, trip, duration, age, benefit-limit, deductible, add-on, claims, and group factors.
Estimated Premium = (BaseRate × RegionMult × TripMult × DaysMult × AgeMult × BenefitMult × DedMult × AddonMult × ClaimsMult × GroupMult) − Discounts + Fees
Annual cover becomes cost effective when you travel several times a year. A single-trip plan repeats setup costs, minimum premiums, and fees on every purchase. Annual pricing spreads those fixed charges across your calendar, so the effective cost per trip falls as trip count rises. This calculator models trip frequency, maximum trip length, and destination region to estimate when annual cover usually beats buying repeatedly.
Medical and evacuation limits often drive the core premium because they correlate with potential claim severity. Cancellation, baggage, and delay benefits behave more like add-on layers that scale with the insured amounts. Higher limits add value only when they match realistic exposures, such as prepaid bookings and luggage replacement. The calculator lets you tune each limit to create a benefit mix aligned with your typical itinerary.
Cruise, adventure, winter sports, and rental car excess options increase premium because they broaden insured activities and raise claim probability. Electronics cover and business equipment protection add exposure for higher-value items. A pre-existing condition waiver may add cost, but it can prevent exclusions that otherwise reduce practical protection. Selecting add-ons in the calculator shows how each choice affects total premium.
A deductible shifts small claims back to the traveler, lowering the insurer’s expected payout. Many annual policies price deductibles through step changes rather than a smooth curve. The graph compares deductible scenarios so you can identify the point where extra deductible yields diminishing savings. Pairing a sensible deductible with targeted limits often produces a balanced plan that protects major losses without overpaying.
The estimate is not a quote; it is a planning figure built from transparent multipliers. Use the breakdown to understand where cost comes from: base risk, selected benefits, add-ons, fees, and discounts. Compare scenarios rather than chasing a single number. After narrowing your target plan, verify eligibility rules, age limits, and regional exclusions with your chosen provider before purchase. Keep notes of assumptions and update inputs when your travel changes.
An annual policy covers multiple trips within a year, usually with a maximum trip length limit. You buy once and travel repeatedly without purchasing new cover each time, as long as each trip meets the policy conditions.
It applies a base annual rate and multiplies it by factors for region, ages, trip pattern, benefit limits, deductible, and selected add-ons. Discounts and fees are then applied to produce an estimated annual premium and a cost breakdown.
Healthcare and assistance costs vary widely by region. Policies that include higher-cost destinations, such as the United States, typically price higher. The region factor in the calculator models that difference so scenarios remain comparable.
Only if you will use them. Cruise or winter sports cover can be valuable when you participate, but unnecessary add-ons increase premium. Use the breakdown to see each add-on’s impact and keep benefits aligned with your real activities.
Higher deductibles usually reduce premium, but they increase your out-of-pocket cost on smaller claims. Use the deductible graph to find a level where savings feel worthwhile without creating financial stress during a trip.
No. This tool is for planning and comparison. Provider pricing, eligibility rules, and underwriting questions can change the final premium. After narrowing options, confirm benefits, exclusions, and limits directly with your insurer or broker.
Important Note: All the Calculators listed in this site are for educational purpose only and we do not guarentee the accuracy of results. Please do consult with other sources as well.