What it calculates
Travel insurance covers medical emergencies abroad and, depending on the policy, trip cancellation, baggage and passport loss. Medical cover is the part that matters most, because treatment abroad can be very expensive.
This calculator works out the exact number of days to insure and helps you choose the medical cover to look for.
How it works
Trip length counts both the departure and return days. The medical cover is the figure you choose; for Schengen countries the calculator checks it against the visa minimum of €30,000.
Formula
- Combined medical cover = cover per traveller × travellers
How to use it
- Enter your departure and return dates.
- Choose the destination region and number of travellers.
- Enter the eldest traveller’s age.
- Set the medical cover you want per traveller and read the checks.
For the default trip — two travellers to a Schengen country for two weeks —
Why it helps
- Avoids buying cover that ends a day early.
- Flags the Schengen visa minimum.
- Reminds older travellers to check age limits.
Limitations
- Does not quote premiums.
- Benchmarks for regions other than Schengen are suggestions only.
- Pre-existing conditions and adventure activities need specific policy checks.
Frequently asked questions
Is travel insurance mandatory?
It is mandatory for Schengen short-stay visas and some other destinations, and strongly advisable elsewhere. Check the current embassy requirements for your destination.
Why is the default higher for the USA?
Medical treatment in the USA and Canada is among the most expensive in the world, so higher cover is commonly suggested. It is your choice.
Why doesn’t this show a premium?
Premiums are set by each insurer from its own rating tables, your health, age and other details. We don’t have access to those tables and won’t show an invented number. Use the estimate here to decide how much cover to ask insurers to quote for.
Sources
- Travel medical insurance of at least €30,000 for short-stay Schengen visas (reviewer to add the exact page) — European Commission — Schengen visa rules (checked 2026-09-27)