Short stay travel insurance
Short stay travel insurance
Are you planning to go on just the one trip in the next 12 months? If so, short stay travel insurance can be an affordable choice. Let’s take a look.
What is short stay travel insurance?
Short stay travel insurance is cover that applies for one trip. If you know you’re going to take only one break over the period of a year and it’ll last no longer than 31 days, this cover could meet your needs.
Also known as single trip travel insurance, short stay travel cover is typically cheaper than a multi-trip policy, which covers you for all the trips you take during a 12-month period.
As of 23rd Match 2020, the UK Government announced a series of restrictions to travel, public spaces and gatherings. For a minimum of three weeks, people are being instructed to stay at home whenever possible. For this reason, travel insurance policies purchased from this date, for trips within the UK with a start date before 13th April 2020, will not be valid.
The UK Government also instructed all British tourists and travellers, that are currently abroad, to return to the UK as soon as possible.
As of 17th March 2020, the Foreign and Commonwealth Office (FCO) have advised against all non-essential travel abroad for an initial period of 30 days. This means that any travel insurance purchased from this date, for trips outside of the UK with a start date before 16th April 2020, will not be covered by the provider.
Coronavirus was declared a pandemic on 11th March 2020, so this may also affect your policy, particularly those taken out on or after that date. Please check any existing policies carefully, to find out what you’re covered for.
For more information please see our coronavirus and travel insurance page.
What does single trip travel insurance cover?
A single trip travel insurance policy typically covers you and any other person named on the policy for the following:
- Trip cancellation: You could get a pay-out from cancellation cover if your trip is cancelled or cut short due to any of the reasons specified in your policy. When comparing policies, make sure this cover is high enough to meet the full cost of your holiday. This should include anything you’ve pre-booked, such as flights, accommodation and tours. If you need to cancel or cut short your trip for a reason that’s listed on your policy (for example, you get too sick to travel) then you could claim back the money you’ve spent. Always take out insurance as soon as you book your holiday, so you’ve got enough cover in place immediately.
- Illness or injury : This could cover the cost of emergency medical treatment, which can be very expensive in many destinations. Ensure you have sufficient medical expenses cover to pay for any treatment you might need. Travel policies also typically provide up to £10 million of cover for repatriation, reflecting the potentially high costs of getting you home after a medical emergency. That could happen if you get seriously ill or injured while you’re away, and your insurance provider decides, in consultation with medical experts, that it’s best to bring you back to the UK. The cost of this emergency repatriation could be met by insurance.
- Lost, stolen or damaged belongings: Travel insurance could cover the cost of any belongings that need to be replaced, such as your phone or camera, or your clothes if your luggage goes missing. Check your single item limit, as this is the most you can claim for the replacement of any individual item. Any valuables worth more than the limit will need to be added to your policy separately.
Once you’ve found the right travel insurance policy, make sure you keep your provider’s details with you in case you need to get in touch with them during your trip.
Why use Compare the Market?
We make it easy to compare great-value travel insurance. Half of our customers could achieve a quote of £13** for single trip travel insurance for one week in Europe, based on Compare the Market data in February 2020.
Why not get a quote and see if you can find a great travel insurance deal?
**50% of people could achieve a quote of £12.73 for single trip travel insurance for 1 week Europe based on Compare the Market data in February 2020.