Travel Insurance Excess Calculator
Work out your out-of-pocket cost on a travel insurance claim after your policy excess is applied.
Check your product disclosure statement for the exact excess.
Your results
Actual payout also depends on your policy's terms, exclusions and sub-limits, which this calculator does not check.
Calculation breakdown
- You pay
- min(Claim amount, Excess)
- Insurer pays
- max(0, Claim amount − Excess)
Worked example
A $2,000 claim with a $250 excess means you cover the first $250 and the insurer covers the remaining $1,750, subject to policy terms.
Assumptions
- Does not check policy exclusions, sub-limits or eligibility of the specific claim.
- Excess amounts vary by insurer and policy tier — confirm yours before relying on this figure.
How this calculator works
Enter your claim amount and your policy's excess to see how much your insurer would pay out and how much you'd cover yourself. Policy excess amounts and claim rules vary between insurers, so always check your product disclosure statement.
Frequently asked questions
What is a travel insurance excess?
It's the amount you agree to pay towards a claim before your insurer covers the rest, similar to car or home insurance excess.
Can I reduce my excess?
Some insurers let you pay a higher premium for a lower excess, or vice versa; check your policy options before buying.
Does the excess apply per claim or per trip?
This depends on your insurer and policy — check your product disclosure statement for the exact terms.
Results are estimates only and are not financial, tax, legal or credit advice.