In this article:
What is single trip travel insurance?
Single trip travel insurance is exactly what it says on the tin. It’s the type of travel insurance that covers you for one or more trips over a certain period of time. So, if you only make a couple of trips per year - single trip insurance is probably your best bet.
Once you scroll further down, you’ll find out more about what’s usually covered in short-term travel insurance for one-off trips.
But for now, the most important thing to bear in mind is that the very best single trip travel insurance policies out there will ensure you have peace of mind and reassurance to enjoy your trip without worry.
At the very least, you want to feel safe in the knowledge that you can always make a claim if you end up footing the bill for something beyond your control.
That’s where we can help you out. We compare single trip cover across our panel of recognisable and trusted insurance providers to help you find the most suitable policy for your trip.
So, sit back, relax and let us explain the ins and outs of single trip holiday insurance - and how you can get covered in minutes through our hassle-free service.Get a quote
What does single trip holiday insurance cover?
If you’re only going away for a few days, you’re probably thinking - what could possibly go wrong in such a short space of time?
It’s a fair question. But, although we never plan for things to go wrong - you just never know what’s around the corner. Which is why single trip travel insurance will typically include coverage for a variety of possible unforeseen eventualities.
First of all, let’s talk about cancellation. There are a few reasons why your trip might get cancelled. You might become too unwell to travel or a family member might fall ill just before you’re due to fly? Perhaps the cancellation is out of your control? For instance, what do you do if your tour operator goes bust?
Your trip is a costly investment, and besides the disappointment of missing out - the last thing you want is to lose out financially. This is why cancellation cover is such an important benefit. Some insurance providers accept different reasons for cancellation than others - so watch out for that also.
Then there’s medical expenses and the cost of repatriation (the cost of getting you back home safely for medical care if needed). In the UK, we’ve got it good - in that we don’t need to pay to get emergency medical attention when we need it most, but the same can’t be said for the majority of overseas countries.
Sure, in most cases you can get medical access during an emergency - but more often than not that’ll come at a price. That’s why you should always ensure that your policy includes cover for medical expenses and repatriation back to the UK.
Theft or loss of personal belongings is another type of coverage to look out for. Let’s face it, it’s very rare that you’re luggage would get completely lost - but it can happen, and it’s an inconvenience nobody wants to deal with.
If you miss a flight, or a flight gets delayed for reasons out of your control, most single trip policies offer coverage for this also. In addition to this, single trip insurance should also cover you for personal liability, if for whatever reason you cause accidental damage to property or injure somebody unintentionally.
Basically, there are loads of things that could be included in a single trip policy - but these are some of the absolute basics you should definitely look out for.
When should your single trip travel insurance start?
Essentially, your policy is sold on the basis that you’ve let your insurance provider know the exact dates you’ll be travelling. So, it basically covers you for the whole duration of your trip. That being said, if you’ve bought a policy with cancellation cover - the insurance always comes into effect the moment you’ve paid for it.
That way, you’re covered in the period of time between getting insured and embarking on your trip. It gives you that assurance if you end up needing to cancel your trip during the interim. You may be able to recover the cost (minus any excess applied to the policy).
It sounds obvious, but we can’t stress enough how important it is to make sure your policy covers you over the correct period of time, so always double-check! Worst-case scenario - you give your provider a call and get them to change the dates for you. It’s that simple.
Top tips for single trip travel insurance
So, now you understand the importance of single trip travel insurance - you’re probably ready to find out how to get the best bang for your buck, right?
First thing’s first, you should always consider the level of cover over the cheapest price. However, that being said - it doesn’t mean you can’t find great value for cheap single trip travel insurance online. There are a couple of main things that can influence the price of single trip insurance. The first thing is the destination.
The cost of medical treatment varies from country to country - and this will be reflected in the premium. Just make sure that the coverage limit is high enough. Also, if you’re visiting multiple countries on one single trip, you’ll need to make sure all destinations are included.
The duration of your trip is also a big factor. Some single trip policies might be limited to only cover you for a certain period of time - so, if you know you’re going to be away for a while, it might not be worth going down the single trip insurance route after all.
The longer the duration of your trip, the higher the price - so it’s always worth fully exploring your options, as you may get better value from a different kind of policy.
We appreciate all this checking and double-checking can be boring and time consuming - which is why we’ve made the process much easier for you. We enable you to access quotes for single trip travel insurance in minutes, and from names you'll likely recognise and trust.
We pride ourselves on taking the hassle out of holidaying - so why waste your precious time bouncing from website to website when you compare multiple quotes right here?Get a quote
Tommy has over 15 years experience within the insurance industry, and his primary focus is helping travellers find the right cover at the right price!