Travel insurance calculators
Estimate cover costs for a trip, compare single-trip against annual multi-trip, and work out exactly how much cancellation cover you need.
Travel Insurance Cost Estimator
See an illustrative cost band for travel insurance based on destination, trip length, and traveller profile.
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Single Trip vs Annual Calculator
Compare the total cost of single-trip vs annual multi-trip insurance and find your break-even.
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Cancellation Cover Calculator
Total your prepaid trip costs and check whether your cancellation cover per person is sufficient.
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Travel insurance guides
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Frequently asked questions
As soon as you book your trip — not just before you depart. Taking out insurance immediately after booking means you are covered for cancellation from that point onwards. Waiting until departure means you have no cancellation cover.
It depends on the policy and whether you declared the condition when taking out cover. Many insurers will cover declared pre-existing conditions, sometimes with an additional premium. Undeclared conditions may not be covered. Always declare relevant conditions.
Most travel insurance sold directly attracts IPT at the standard rate of 12%. Travel insurance sold with related goods or services (for example, as part of a package) may attract the higher 20% rate. Use our IPT calculator to understand the tax element.