Travel Insurance Cost Calculator - India & International Trips
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What should travel insurance cost for this trip?
Get a realistic premium estimate before you buy — based on trip type, duration, destination region, traveller ages and cover level. Compare against what an actual policy quote should look like.
Estimated premium
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What actually changes a travel insurance premium
Travel insurance pricing in India depends mainly on four things: destination region (US/Canada cost the most due to high medical costs, followed by Europe, then Asia, with domestic being cheapest), trip duration, traveller age (premiums rise noticeably past 60, and again past 70), and cover level. A basic 7-day Southeast Asia policy for a 30-year-old can cost a fraction of a premium plan covering pre-existing conditions and adventure sports for a 65-year-old traveller heading to the US.
If you're applying for a Schengen visa, note that most embassies have a minimum mandatory medical cover requirement (commonly €30,000) — make sure any policy you buy meets this explicitly, not just a generic "international" plan.
Frequently asked questions
Is travel insurance mandatory for international trips?
It's legally required for a Schengen visa application and strongly recommended (sometimes required) for several other countries. For most other destinations it's optional but advisable given high overseas medical costs.
Does travel insurance cover trip cancellation?
Only Standard and Premium tiers typically include trip cancellation/curtailment cover. Basic plans usually cover medical emergencies and baggage loss only.
Why is insurance more expensive for senior citizens?
Medical claim likelihood and average claim size rise significantly with age, so insurers price older travellers higher — often with a separate "senior citizen" plan category above 60 or 70.
Do I need separate cover for adventure sports?
Yes — standard policies typically exclude injuries from activities like trekking above a certain altitude, skiing, or scuba diving unless you specifically add adventure sports cover.
Is this estimate accurate to the rupee?
No — it's a planning estimate based on typical Indian market pricing patterns. Always get 2-3 real quotes from insurers before buying, since exact pricing varies by provider.
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