Which factor is NOT applicable in determining the premium for travel insurance?

The method of transportation is not a primary factor in determining the premium for travel insurance. Travel insurance premiums are typically influenced by factors that directly relate to the risk involved for the insurer.

Health history of the insured plays a significant role because individuals with pre-existing medical conditions may have higher risk profiles, which can lead to increased premiums. The destination of travel is also crucial as different locations can have varying levels of risk associated with health care availability, political stability, and safety issues. Duration of the trip affects premiums as longer trips usually imply a greater risk of needing assistance or filing a claim.

In contrast, while the choice of transport can impact the overall travel experience, it does not directly relate to the likelihood of requiring insurance coverage. Hence, it is not considered essential in the pricing of travel insurance.