Single-trip travel insurance
Compare cheap single-trip travel insurance quotes
What is single-trip travel insurance?
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.
What’s covered?
Travel insurance for a single trip covers:
- Medical expenses
- Emergency repatriation
- Flight and holiday cancellation, curtailment or delays
- Delayed or lost luggage
- Theft of money and personal belongings
If you’re planning any activities, check they’re covered by your insurer. You might need extra protection for winter or extreme sports.
Get the right amount of cover
Consumer group Which? suggests the following cover levels as a minimum:
-
Medical expenses
£5 million for Europe and worldwide
-
Personal liability cover
£1 million
-
Cancellation cover
£3,000
-
Baggage or personal belongings
£1,500
Alternatives to single-trip insurance
Annual cover
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 insurance
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.
Single-trip travel insurance exclusions
Here are a few things that travel insurance for a single trip might exclude:
Disregarding travel advice
Your insurer won't pay out for claims if you travel somewhere the Foreign, Commonwealth and Development Office (FCDO) advises against
Undeclared medical conditions
Any medical treatment you need might not be covered if you don’t tell your insurer about your pre-existing medical conditions
Illegal or reckless acts
Claims due to reckless (unless it’s to save a human life) or illegal acts will be rejected
Drinking too much
Having one or two drinks is fine, but if your judgement or physical ability is impaired resultant claims you make will be rejected
Winter and adventurous sports
Certain adventurous activities will be included on your policy as standard, but others might be offered as an optional extra or excluded altogether
Intentionally causing yourself or someone else harm
Claims as a result of purposely hurting others (unless in self-defence) or yourself, will be rejected
Travel insurance guides and tools
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[2]Average price purchased data recorded by theidol.com for single-trip travel insurance, split by those with medical conditions and without, from 1 January to 31 December 2020.