Travel insurance calculator — premium estimate 2026

Costs vary by destination, number of travellers, trip length and cover scope. For Europe, expect roughly PLN 4-8 per person per day; for worldwide cover PLN 10-20. Extreme sports extensions add 30-100%. This calculator provides an indicative estimate — get binding quotes from insurers.

A standard policy typically includes: KL (medical expenses abroad), NNW (personal accident), OC (personal liability), baggage cover and 24/7 assistance. Coverage limits and exclusions vary widely between policies. Always check the sum insured for medical costs (minimum EUR 100,000 for Europe) and the general terms and conditions.

A European policy covers EU/EEA countries and often Mediterranean destinations. A worldwide policy additionally covers the Americas, Asia, Africa and Australia. Medical costs outside Europe — especially in the USA and Canada — can be 10-20 times higher, which explains the significantly higher worldwide premium.

Standard policies exclude extreme sports — skiing, snowboarding, climbing, diving, paragliding and bungee jumping are typically listed as exclusions. To be covered, you must purchase a sports extension. This calculator applies a 1.5x multiplier for the sports option; actual rates depend on the specific insurer and sport.

No. The EHIC gives access to state healthcare in EU/EEA countries and Switzerland but does not cover repatriation, private medical treatment, baggage loss, personal liability or personal accident. Always carry travel insurance alongside the EHIC.

Buy as soon as you book — some insurers include trip cancellation cover from the date of purchase. At minimum, buy before crossing the border. Many policies can be bought online on the day of departure. Cover is never retroactive, so do not delay.

For Europe: minimum EUR 100,000-200,000. For the USA and Canada: minimum USD 500,000, as hospitalisation there can cost hundreds of thousands of dollars. Choose a policy with no deductible (zero excess) for the smoothest claim experience.

Many standard policies exclude treatment of pre-existing or chronic conditions. If you have a chronic illness (diabetes, hypertension, heart disease), look for a policy with a pre-existing conditions extension. Always disclose your health status accurately — false declarations can lead to claim refusal.

A single-trip policy covers one specific trip and is ideal for occasional travellers. An annual multi-trip policy covers unlimited trips within a year (usually with a per-trip day limit of 30-90 days) and is cost-effective for travellers who go abroad several times a year.

If an incident occurs abroad, call the assistance hotline immediately (number on your policy document). Keep all receipts, medical records and police reports (for theft). After returning, submit a written claim with supporting documents within the required deadline (usually 7-30 days). Keep copies of everything.