What Does Travel Insurance Cost?
Premium by destination, trip duration and tariff — with cancellation, travel-health and luggage cover.
Trip
Tariff & travelers
- Total premium
- €92.00
- Cancellation cover
- €67.50
- Travel-health insurance
- €16.80
- Luggage insurance
- €7.70
- Daily premium
- €6.57
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Breakdown
| Component | Premium |
|---|---|
| Destination | Europe |
| Trip duration | 14 |
| Cancellation cover | €67.50 |
| Travel-health insurance | €16.80 |
| Luggage insurance | €7.70 |
| Total premium | €92.00 |
Note: Premiums are 2026 averages for German travel insurance (HanseMerkur, ERGO Reiseversicherung, Allianz Travel, ADAC). Actual premiums vary by provider, tariff and deductible. Trips to the USA/Canada are significantly more expensive due to high medical costs. From age 65 onwards travel-health premiums rise sharply. An annual travel insurance pays off from roughly 3 trips per year.
Background
Travel Insurance 2026: Cancellation, Health and Luggage Cover Explained
11 Min.