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Single-trip travel insurance

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Travel insurance - Important Coronavirus update

As of 04:00 BST on 4 October, the current traffic light system will change for travel abroad.



The new system will be simplified to just a red list. However there’s still a risk that non-red countries could move to the red list on short-notice.



A PCR test is required on day two of your return from a non-red list country.



If a traveller has not had two vaccinations, a covid-19 test is still required ahead of travel as well as PCR tests on day two and eight of your return. Test to release is also available to reduce the self-isolation period.



Some insurers might not offer covid cover to unvaccinated travellers so check your policy details.



Make sure you check the FCDO advice before travelling and the entry requirements for your destination.

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.

single-trip travel insurance

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.

Get the right amount of cover

Consumer group Which? suggests the following cover levels as a minimum:

  1. Medical expenses

    £2 million for Europe and £5 million worldwide

  2. Personal liability cover

    £1 million

  3. Cancellation cover

    £3,000

  4. 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.

How much does single-trip travel insurance cost?

The average cost of single-trip travel insurance policies was £21.30 for those without medical conditions and £56.05 for people with medical conditions in 2020.[2]

[1]Gocompare.com introduces customers to theidol.com which is authorised and regulated by the Financial Conduct Authority. Gocompare.com's relationship with theidol.com is limited to that of a business partnership, no common ownership or control rights exist between us. Please note, we cannot be held responsible for the content of external websites and by using the links stated to access these separate websites you will be subject to the terms of use applying to those sites

[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.

Page last reviewed: 15 September 2021

Next review due: 15 December 2021

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