Travel Insurance Cost Calculator
Estimate what you'll pay for travel insurance based on your destination, trip length, and level of cover — and understand what comprehensive vs basic policies actually include.
What affects travel insurance cost?
Travel insurance premiums are primarily driven by four variables:
USA/Canada is the most expensive region — medical costs there are extreme. Asia is moderate. NZ/Pacific is cheapest.
Longer trips cost more, but the per-day cost usually falls as you go longer. A 2-week policy doesn't cost double a 1-week policy.
Premiums rise sharply from age 60+. Some insurers stop offering policies beyond 70–80 years, or charge significantly more.
Pre-existing conditions can add 25–50% to the premium or result in exclusions. Always declare conditions or risk an invalid claim.
Typical premiums by destination (2-week solo trip)
| Destination | Budget cover | Comprehensive | Note |
|---|---|---|---|
| NZ / Pacific | $25–$40 | $45–$75 | Low-risk, affordable medical |
| Asia (exc. Japan) | $28–$50 | $50–$90 | Good value, growing insurers |
| Europe / UK | $50–$95 | $90–$160 | Reciprocal Medicare with some countries |
| USA / Canada | $75–$130 | $130–$230 | High medical costs drive price up |
| Worldwide (inc. USA) | $85–$145 | $145–$260 | Best for multi-destination trips |
| Domestic Australia | $12–$25 | $22–$45 | Medicare covers medical; mainly cancellation |
What to look for in a policy
Related travel tools
Estimates based on Australian insurer market data 2025. Actual premiums depend on age, health history, and insurer. Always read the PDS before purchasing.