Estimate an indicative travel insurance premium by destination, trip length, traveller age and party size, for a single trip or annual multi-trip cover.
Enter your trip details
Pick single or annual and the destination; the estimate updates as you change days, age and travellers.
Indicative estimate from typical market averages; pre-existing conditions can raise the price sharply or need a specialist insurer. Travel IPT is 20%, already included. A GHIC does not replace insurance.
Estimated premium: £8 – £14Indicative estimate, not a quote. Real prices depend on cover level, excess and any pre-existing conditions. The figure shown is a market average. Everything is computed in your browser.
⚖︎ Results are for informational purposes and do not constitute tax advice. For specific situations, consult a licensed accountant or the relevant tax authority.
Single-trip premiums scale with destination × days × age; annual multi-trip is a flat rate by destination. Travel carries the higher 20% IPT (already in the price):
A single trip to Europe, 10 days, age 35 ≈ £11–£20. Worldwide including the USA costs the most; 3+ trips a year usually make annual multi-trip cheaper.
Policy type (single vs annual), destination area (Europe / Worldwide excluding or including the USA & Canada), trip length, traveller ages, cover level, excess and any pre-existing conditions. US medical costs push the top band highest.
Single-trip suits one holiday. Annual multi-trip covers unlimited trips (up to a max length per trip) for a year and is typically 1.5–2.5× a single trip — so from about three trips a year it usually works out cheaper.
No. The Global Health Insurance Card (GHIC) gives access to state healthcare in the EU on the same terms as locals, but it doesn't cover repatriation, private treatment or non-EU destinations. Treat it as complementary — some insurers reduce the medical excess if you hold one.
Travel insurance carries the higher-rate Insurance Premium Tax of 20% (versus 12% on home and medical cover). It is already included in the typical prices shown.