What factors determine your travel insurance premium?

For the same trip, premiums can differ quite a lot between plans. Understanding the components helps you judge what is a reasonable level.

Trip duration is a basic factor: the longer the trip, the higher the premium. The number of travelers and their ages also directly affect the final figure.

The benefit limits you choose are another big factor. A high medical limit and many extensions naturally push the premium up.

Finally, the nature of the trip is considered. Adventurous activities or high-risk destinations usually raise the premium over ordinary travel.