Single-trip travel insurance offers cover for one trip, that lasts a month or less.
You can book a single-trip policy far in advance of your holiday, but fewer insurers could be willing to cover you if you’re arranging travel insurance with more than a year until your trip.
Single-trip travel insurance is available whether you want an individual, couples, family or group policy.
Travel insurance for a single trip covers:
If you’re planning any activities, check they’re covered by your insurer. You might need extra protection for winter or extreme sports.
The cancellation cover included in your single-trip policy applies from the moment you buy the policy until the end of your holiday.
The other elements of your cover, like medical treatments and luggage cover, only apply for the duration of your holiday.
When choosing a single trip policy, make sure it has the cover levels you want.
Consumer group Which? suggests the following cover levels as a minimum:
£2 million for Europe and £5 million worldwide
Annual or multi-trip insurance will cover you for two or more trips within a 365-day period.
Each individual trip can’t be longer than a month.
Buying annual cover is usually cheaper than getting multiple single-trip policies if you’re going somewhere like America or Canada. But if you've just got a couple of European trips planned, or one of your holidays is in the States and another is closer to home, it’s not always the case.
If you’re looking to make the best saving, take the time to compare between the two.
Long-stay cover, sometimes called extended-stay or backpackers’ insurance, will cover you for a single trip that lasts a month or more.
This type of policy doesn’t cover multiple trips, it just covers one long holiday.
The average cost of single-trip travel insurance policies was £15.65 for those without medical conditions and £40.31 for people with medical conditions in 2018
Here are a few things that travel insurance for a single trip might exclude:
Your insurer won't pay out for claims if you travel somewhere the Foreign and Commonwealth Office (FCO) advises against
If you don’t have the correct vaccines for your destination, any claims you make might be rejected
Any medical treatment you need might not be covered if you don’t tell your insurer about your pre-existing medical conditions
Claims due to reckless (unless it’s to save a human life) or illegal acts will be rejected
Having one or two drinks is fine, but if your judgement or physical ability is impaired resultant claims you make will be rejected
Certain adventurous activities will be included on your policy as standard, but others might be offered as an optional extra or excluded altogether
Claims as a result of purposely hurting others (unless in self-defence) or yourself, will be rejected
Average single trip policy price for policies purchased through theidol.com from January to December 2018: £15.65 (ST NON-MED) and £40.31 (ST MED).