Notice: the ranges you will see here are indicative and based on simulations and public traveller reviews as of September 2026. The exact price is only given by IATI's official simulator entering your specific data. We are not IATI or affiliates: we do not sell or quote insurance.
1. Which factors determine the price
The price of an IATI travel insurance (as with any insurer) is calculated by combining several factors. Understanding each one helps you compare quotes and know why two very similar trips can produce different premiums.
- Destination: the most decisive factor. Destinations with expensive healthcare (USA, Canada, Japan) have much higher premiums than Europe or Latin America.
- Duration: the more days, the higher the total premium but the lower the daily premium.
- Age of the insured: travellers over 65-70 pay higher premiums; some products have a maximum age limit.
- Product chosen: IATI Estrella costs more than IATI Escapadas; IATI Mochilero has a different daily premium than IATI Estrella.
- Coverage and capital sums: extending medical capital, including risk sports or adding cancellation raises the premium.
- Deductibles: policies with low or zero deductibles usually have a higher premium.
- Number of insured: groups and families usually have a discount per insured.
2. Indicative ranges by destination
All ranges are indicative, in euros, for a young-medium adult (25-45 years), standard product (IATI Estrella), 1 week, without additional cancellation coverage. Check the official simulator for your specific case.
| Destination | Indicative range (1 week) | Reason |
|---|---|---|
| Europe | 15 – 40 € | Reasonable healthcare + EHIC covers the basics |
| Latin America | 25 – 55 € | Medium capital sums, relevant repatriation |
| Asia (Thailand, Vietnam) | 30 – 60 € | Long-distance repatriation |
| Japan | 40 – 90 € | Expensive healthcare, high capital sums |
| USA / Canada | 60 – 150 € | Most expensive healthcare in the world |
| World cruises | 50 – 130 € | Expensive evacuation from open sea |
3. Indicative ranges by duration (IATI Mochilero)
Ranges for IATI Mochilero, young adult, worldwide destination excluding USA/Canada.
| Duration | Indicative range | Approx. daily cost |
|---|---|---|
| 1 month | 80 – 150 € | ~3 – 5 €/day |
| 3 months | 200 – 400 € | ~2 – 4 €/day |
| 6 months | 380 – 700 € | ~2 – 4 €/day |
| 12 months | 700 – 1,400 € | ~2 – 4 €/day |
4. How age affects the price
Age is one of the factors with the greatest impact on the premium. Approximate surcharge ranges by age band:
- 0 – 17 years: some products apply a discount (family trips), others have a proportional premium.
- 18 – 64 years: standard product rate.
- 65 – 74 years: usual surcharge (indicative range +30% to +80% on standard rate).
- 75 – 84 years: significant surcharge, some products unavailable, medical capital sums may be reduced.
- 85+ years: very few products available, high premiums and limitations on some coverage.
5. Common discounts and promotions
- Online contracting discount: IATI usually applies a 5–15% discount on the base rate when contracting directly on its website.
- Group discounts: from a certain number of insured on the same policy, there is usually a discount per insured.
- Family discounts: the IATI Familia product usually improves on the price of taking out individual policies.
- Seasonal promotions: Black Friday, summer campaigns, low season for contracting may include extra discounts.
- Promotional codes: discount codes circulate on backpacker channels and blogs. Always verify the code is official and current.
6. How to pay less without losing coverage
- Choose the right product for your trip. Do not take out Mochilero for 5 days on the beach: you will pay for coverage you will not use.
- Review which optional extras you actually need. Broad cancellation, extreme sports or high-value luggage are only useful if they apply to your trip.
- Adjust medical capital to your destination. You don't need the maximum for Europe; yes in the USA or Canada.
- Consider low deductible only if you travel a lot. For a one-off trip, a moderate deductible usually compensates on the premium.
- Contract before travelling. Contracting in advance allows activating cancellation coverage and avoids last-minute surcharges.
- Compare with other insurers. Do not assume that IATI is always the cheapest: Chapka or Heymondo may be tighter for your case.
- Do not oversize capital sums without reason. Very high capital sums without justification (for example, €5M of civil liability for a beach trip) inflate the premium.
7. Common mistakes that make you pay more
- Taking out the maximum coverage by default without analysing the trip.
- Duplicating coverage already covered by the Premium credit card.
- Ignoring the European Health Insurance Card on EU trips and taking out excessive medical capital.
- Adding optional extras unnecessarily (extreme sports if you will not practise them).
- Buying at the airport: "last-minute" products are usually much more expensive.
- Not applying the current discounts at checkout.
Frequently asked questions
How much does IATI cost for a week in Europe?
Indicative range 15–40 € for a young adult with IATI Estrella or Escapadas. Depends on country and optional extras.
How much does IATI Mochilero cost for 3 months in Asia?
Indicative range 200–400 € for a young adult, depending on specific destination and capital sums.
Does the price change with age?
Yes. Usual surcharges from 65-70 years. Some products have a maximum age limit.
Are the USA and Canada more expensive?
Yes, much more. The medical capital sums required due to healthcare cost push the premium up by several multiples.
Are there common discounts?
Yes: online discount, seasonal promotions, family and group discount. Check the final price after applying them.
Have you recently contracted IATI and want to share what price you got and with what coverage? It is valuable information for other travellers looking for real guidance.
Notice: the prices indicated are indicative, based on simulations and public reviews as of September 2026. The exact price is determined by IATI's official simulator. We do not sell or compare insurance prices and are not IATI affiliates. This guide does not constitute a recommendation to contract or commercial advice.