International & Domestic Coverage
ā 0% GST - Tax free travel insurance!
ā COVID-19 Cover - Treatment & quarantine
ā 5 Add-ons - Trip cancel, baggage, adventure
Base: ā¹150/day
Age: 18-40 (100% rate)
For trip cancellation (any transport)
Trip Cancellation
Flight/train/bus cancellation refund
Baggage Loss/Delay
Lost, delayed or damaged luggage
Adventure Sports
Skiing, diving, trekking, paragliding
COVID-19 Cover
Treatment, quarantine & trip cancellation
Travel Delay
Flight/train delay compensation >6hrs
Total Premium (0% GST - Tax Free!)
ā¹1,071
Per Day
ā¹153
Per Person
ā¹1071
Coverage: ā¹2.00 L medical
Base Premium
ā¹1,071
Add-ons
ā¹0
Coverage
ā¹2.00 L
GST
ā¹0
Tax Free!
š° Premium Breakdown
| Base Premium (7 days Ć 1 pax) | ā¹1,071 |
| Subtotal | ā¹1,071 |
| GST (18%) | ā¹0 (Removed in 2025!) |
| Total Premium | ā¹1,071 |
ā Medical Emergencies
Up to ā¹2.00 L
ā Emergency Evacuation
Medical repatriation to India
ā Personal Accident
Death & disability (any transport)
ā Passport Loss
Emergency travel documents
š” Coverage Details:
A Travel Insurance Calculator helps you estimate premium for domestic and international travel insurance covering medical emergencies, trip cancellation, baggage loss, COVID-19, and personal accidents. It calculates costs based on destination, duration, age, and coverage amount.
Our calculator includes unique features: supports both domestic India trips and international destinations (Asia ā¹150/day, Europe ā¹200/day, USA/Canada ā¹350/day), single trip and multi-trip annual plans, age-based pricing (children 80%, adults 100%, seniors 180-250%), medical coverage from ā¹50K to ā¹20L, 5 add-ons including trip cancellation, baggage loss, adventure sports, COVID-19, and flight delay, and 0% GST (tax removed in 2025).
| Destination | Base Rate/Day | 7-Day Premium | Popular Countries |
|---|---|---|---|
| India (Domestic) | ā¹50 | ā¹400-500 | All Indian states |
| Asia | ā¹150 | ā¹1,200-1,500 | Thailand, Singapore, Dubai, Bali |
| Europe | ā¹200 | ā¹1,800-2,200 | UK, France, Germany, Italy, Spain |
| USA & Canada | ā¹350 | ā¹3,500-4,500 | United States, Canada |
| Worldwide | ā¹250 | ā¹2,500-3,000 | All countries worldwide |
Domestic travel
Thailand, Singapore, Dubai
UK, France, Germany
United States, Canada
All countries
š” Note: Premiums vary by age, coverage amount, and add-ons. Senior citizens (61+) pay 1.8-2.5x more. 0% GST applicable from 2025!
Included Free:
All basic protections
āMedical emergencies (ā¹50K-ā¹20L)
āEmergency evacuation
āPersonal accident (death/disability)
āPassport loss assistance
ā24/7 helpline support
Extra Coverage:
Pay extra for these
+Trip cancellation (5% of trip cost)
+Baggage loss/delay (+10%)
+Adventure sports (+20%)
+COVID-19 cover (+12%)
+Flight delay (ā¹300 fixed)
Exclusions:
These are NOT covered
āPre-existing medical conditions
āWar/terrorism/nuclear events
āAlcohol/drug-related incidents
āSelf-inflicted injuries
āPregnancy-related (unless add-on)
Travel insurance premium depends on destination, duration, age, and coverage:
š Bonus: 0% GST from 2025! Travel insurance is now tax-free, saving you 18%!
ā Mandatory for Schengen Visa:
Europe (26 countries) requires minimum ā¬30,000 (ā¹27 lakh) medical coverage. Visa rejected without valid insurance!
ā Mandatory for UAE:
Dubai visa requires valid travel insurance with medical coverage. Most embassies check during visa interview.
ā ļø Recommended for USA, Canada:
Not mandatory but HIGHLY recommended. US hospital bills can exceed $100,000. One emergency = lifetime debt without insurance.
ā ļø Optional for Asia:
Thailand, Singapore, Bali don't require insurance. But medical costs are still high. Always recommended for peace of mind.
COVID-19 coverage is now available as an add-on (+12% premium):
ā What's Covered:
ā Not Covered:
š Cost: Adds ā¹150-300 to Asia trip, ā¹400-600 to Europe/USA trip. Worth it for peace of mind!
Choose coverage based on destination medical costs:
| Destination | Minimum Coverage | Recommended |
|---|---|---|
| India (Domestic) | ā¹50,000 | ā¹1 Lakh |
| Asia (Thailand, Dubai) | ā¹1 Lakh | ā¹2 Lakh |
| Europe (Schengen) | ā¬30,000 (ā¹27L) | ā¹5 Lakh+ |
| USA & Canada | ā¹5 Lakh | ā¹10-20 Lakh |
š° Example: 1 day US hospital = $5,000-10,000 (ā¹4-8L). One emergency can bankrupt you. Always go for maximum coverage in USA/Canada!
Cost: Just 5% of trip cost
You can afford to lose it
š Example: ā¹1 lakh trip to Europe. Trip cancellation = ā¹5,000. If you cancel (medical emergency, visa rejection), get ā¹1 lakh refund. Totally worth it!
Our Travel Insurance Calculator is the most comprehensive travel insurance premium calculator in India that calculates premiums for both domestic India trips and international destinations including Asia, Europe, USA/Canada, and worldwide coverage with complete medical, trip cancellation, baggage loss, COVID-19, and adventure sports options, now with 0% GST (tax removed in 2025).
The calculator features destination-based pricing: Domestic India at ā¹50 per day base rate (all Indian states and union territories), Asia at ā¹150 per day (Thailand, Singapore, Dubai, Bali, Malaysia, Indonesia, Vietnam, Maldives, Sri Lanka), Europe at ā¹200 per day (UK, France, Germany, Italy, Spain and all 26 Schengen countries requiring ā¬30,000 minimum coverage), USA & Canada at ā¹350 per day (highest medical costs requiring ā¹10-20 lakh coverage), and Worldwide at ā¹250 per day (all countries globally with comprehensive protection).
Advanced features include age-based multipliers (Children 0-17 years at 80% base rate, Adults 18-40 years at 100% standard rate, Middle-aged 41-60 years at 130% rate, Seniors 61-70 years at 180% rate, Elderly 71-80 years at 250% rate reflecting higher medical risks), trip frequency options (Single trip for one-time travel at 1.0x multiplier, Multi-trip annual for unlimited trips in 365 days at 2.5x multiplier ideal for frequent travelers), 5 comprehensive add-ons (Trip Cancellation at 5% of total trip cost covering flight hotel activity cancellations, Baggage Loss at 10% of base premium for lost delayed damaged luggage, Adventure Sports at 20% of base premium covering skiing diving trekking paragliding, COVID-19 Cover at 12% of base premium including treatment quarantine trip cancellation, Flight Delay at fixed ā¹300 for compensation on delays exceeding 6 hours), and medical coverage options from ā¹50,000 for domestic trips to ā¹20 lakh for USA/Canada extended stays.
Perfect for all travelers whether you're planning domestic India vacation, international Asia trip to Thailand Singapore Dubai, Europe Schengen visa requiring ā¬30,000 coverage, USA Canada business travel, family vacation with multiple travelers, senior citizen international travel, adventure sports enthusiasts, or frequent flyers needing annual multi-trip coverage. The calculator includes premium estimation based on trip duration (1-90 days), number of travelers (1-10 people with group discounts), traveler age with accurate age-bracket pricing, destination selection with zone-based rates, medical coverage amount selection, trip cost input for cancellation calculation, single vs multi-trip comparison, individual add-on costs display, per-day and per-person premium breakdown, and 0% GST calculation (travel insurance is tax-free from 2025). Use this tool for getting accurate travel insurance quotes, comparing domestic vs international costs, understanding COVID-19 coverage options, evaluating trip cancellation benefits, deciding on adventure sports cover, planning Schengen visa insurance, or budgeting annual multi-trip policy. 100% free, no registration required, mobile-responsive design, completely private calculations, updated for 2025 with 0% GST and latest destination rates.