Travel Insurance Calculator

Estimate travel insurance premiums for Europe and worldwide trips. Compare cover levels.

Last updated: April 2026 · Source: MoneyHelper — Travel insurance

Estimated Premium

£50.00

£25.00 per person

Medical Cover

£10M

Cancellation

£3,000

Baggage

£1,500

Indicative premiums only — actual costs vary by provider, medical history and specific trip details. Always compare quotes.

Disclaimer

This calculator is provided for informational purposes only and should not be considered as financial or tax advice. All calculations are performed locally in your browser — no personal data is collected or sent to our servers. Rates and thresholds are sourced from HMRC and GOV.UK and are updated for the current tax year. Always verify results with HMRC or consult a qualified professional before making financial decisions.

How It Works

Travel insurance covers unexpected events while travelling, including medical emergencies, trip cancellation, lost luggage and personal liability. For travel within Europe, a UK Global Health Insurance Card (GHIC) provides access to state healthcare but does not cover repatriation, private treatment or non-medical costs, so insurance is still essential.

Policy types include single trip (one journey), annual multi-trip (all trips in a year, usually capped at 31-45 days per trip), and backpacker/long-stay policies. Annual multi-trip is typically better value if you travel more than twice a year. Key cover levels to check are medical expenses (minimum £2 million for Europe, £5 million for worldwide), cancellation and baggage.

Pre-existing medical conditions must be declared and may increase premiums or require specialist cover. Age is a significant cost factor, with premiums rising sharply over 65. Winter sports, adventure activities and travel to the USA/Canada also increase costs substantially due to high medical treatment costs.

Example: Couple, age 40, 2-week holiday to Spain

  1. Policy type: Single trip, Europe
  2. Medical cover: £5,000,000
  3. Cancellation cover: £5,000
  4. Baggage cover: £1,500
  5. Estimated premium (couple): £25-£45
  6. Annual multi-trip alternative: £60-£100

Source: MoneyHelper — Travel insurance

Frequently Asked Questions

What does the Travel Insurance Calculator do?
Estimate travel insurance premiums for Europe and worldwide trips. Compare cover levels. All calculations are performed in your browser using official UK rates and thresholds.
Are these actual quotes?
No. This calculator provides estimates based on typical UK insurance factors. Actual premiums depend on your specific circumstances. Always compare quotes from multiple insurers.
Is insurance required by law?
Some insurance is legally required in the UK — such as motor insurance, employers' liability insurance and buildings insurance (if you have a mortgage). Other types are optional but strongly recommended.