Question 1

How much travel insurance coverage do I need?

Accepted Answer

It depends heavily on your destination — Schengen countries mandate a minimum medical coverage (commonly cited around €30,000), while destinations with very high healthcare costs, like the US, often call for significantly higher coverage to avoid being underinsured for a serious medical event.

Question 2

Why does age affect the recommended coverage?

Accepted Answer

Older travellers statistically face a higher likelihood of medical events during travel and often face higher treatment costs, so many insurers and advisors recommend higher medical coverage limits for senior travellers.

Question 3

Is the Schengen minimum coverage actually enough?

Accepted Answer

The mandated minimum is a legal requirement to obtain a visa, not necessarily an adequate real-world amount — many travellers choose meaningfully higher coverage than the minimum, since serious medical treatment or emergency evacuation abroad can easily exceed the mandated floor.

Question 4

Does this calculator account for adventure sports or pre-existing conditions?

Accepted Answer

No — those typically require separate add-on coverage or specific policy riders, and pre-existing conditions may need enhanced disclosure and coverage. This calculator gives a general baseline only.

Travel Insurance Coverage Calculator

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