Discover Your Travel Insurance
What’s This?
The Travel Insurance Calculator helps Karur residents estimate the premium and coverage needed for their trips, considering trip duration, destination, travelers, age, and coverage type.
How to Use
1. Enter your trip start and end dates, number of travelers, destination, and trip cost.
2. Provide the traveler’s age and select a coverage type (Basic, Standard, Comprehensive).
3. Enter your phone number and email for a personalized quote.
4. Click "Calculate" to see your premium, coverage, and tailored tips.
5. Use the WhatsApp button to get a free quote from Twins Consultancy.
How It Works
The premium is calculated as: Premium = Base Premium × Duration × Travelers × Destination Factor × Age Factor × Coverage Factor × (Trip Cost / 100,000), with a minimum of ₹500.
- Base Premium: ₹500
- Duration: Number of trip days (End Date - Start Date)
- Destination Factor: 2 (USA/Canada), 1.5 (Europe/Australia), 1 (India/Asia)
- Age Factor: 1 + (Age - 30) × 0.1, capped at 2.5
- Coverage Factor: 2 (Comprehensive), 1.5 (Standard), 1 (Basic)
- Trip Cost Factor: Max(0.5, Trip Cost / 100,000)
Top 20 FAQs
1. What is travel insurance?
Travel insurance protects against trip cancellations, medical emergencies, lost baggage, and other travel-related risks.
2. Why do I need travel insurance?
It safeguards your finances against unexpected events like medical issues or trip cancellations.
3. What affects my premium?
Trip duration, destination, number of travelers, age, trip cost, and coverage type.
4. How much coverage do I need?
Typically 50-150% of your trip cost, plus a base coverage of ₹50,000 for emergencies.
5. How long is the policy term?
It covers your trip duration, from a few days to a year.
6. Who should buy travel insurance?
All travelers, especially for international or high-risk trips from Karur.
7. Does it cover medical emergencies?
Yes, Standard and Comprehensive plans include medical coverage.
8. Can I cancel my policy?
Yes, before the trip starts; check refund terms with Twins Consultancy.
9. How do I choose the right plan?
Use this calculator to compare Basic, Standard, and Comprehensive plans.
10. How do I file a claim?
Contact the insurer with receipts and incident details; Twins Consultancy can assist.
11. Does destination affect the premium?
Yes, USA/Canada have higher premiums due to higher medical costs.
12. Does age impact the premium?
Older travelers pay slightly higher premiums due to increased risk.
13. Is baggage loss covered?
Yes, especially with Standard or Comprehensive plans.
14. What if my trip is cancelled?
Comprehensive plans cover cancellation costs; check policy details.
15. Are adventure sports covered?
Some plans cover adventure sports—confirm with Twins Consultancy.
16. Are pre-existing conditions covered?
Comprehensive plans may cover them if declared upfront.
17. Can I buy insurance after booking?
Yes, but buy before the trip starts for full coverage.
18. Is visa rejection covered?
Some policies cover visa rejection—ask Twins Consultancy for options.
19. Can I get multi-trip insurance?
Yes, annual multi-trip plans are available for frequent travelers.
20. Is travel insurance tax-deductible?
Not typically, but business trip insurance may qualify—consult a tax expert.