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.

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.

Josh Daniels
From the Travel team
3
minute read
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Posted 01 FEBRUARY 2021

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.

CORONAVIRUS UPDATE 

A travel traffic light system has been introduced for international travel. From 19 July 2021, trips to green and amber listed countries are legally permitted if you live in England and Scotland. However, you’ll still need to fulfil any pre-departure requirements, such as testing. If you live in Wales and Northern Ireland, you still need to follow the rules for your relevant local authority.

If a country is on the green or amber list, you still need to check the latest travel advice and entry requirements for each country you visit or transit through. This is to ensure you’re aware of any specific requirements relating to entry and to check travellers from the UK are permitted. Countries can have their traffic light status changed at short notice and you should take this into consideration when looking to travel. Please check the Foreign, Commonwealth & Development Office (FCDO) advice for the latest information.

The FCDO currently advises against all but essential travel to red listed countries. Should you choose to travel against the FCDO rules, you will not be covered by any travel insurance policy you purchase. Some providers do offer cover for international travel if you’re travelling for essential purposes, however most do not. In all cases, should you have any queries please check the policy wording or contact your chosen provider before purchasing to ensure the cover meets your needs.

Travel within England, Scotland and Wales is permitted under the current guidelines. However, public health rules and lockdown restrictions continue to vary, including entry restrictions for Northern Ireland. Check the latest guidance from the official tourism boards for England, Scotland, Wales and Northern Ireland.

Find out more here

Customers with more serious pre-existing medical conditions

Our panel includes insurance providers who quote cover for all medical conditions declared on our website, with no exclusions.

The Money and Pensions Service (MaPs) has launched a directory of insurance providers on its Money Advice Service website that may be able to provide quotes over the phone, if you have more serious medical conditions. Find more information at the Money Advice Service or by calling the British Insurance Brokers’ Association on 0370 950 1790.

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.

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