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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.

Patrick Ikhena
From the Travel team
3
minute read
Do you know someone who could benefit from this article?
Posted 2 APRIL 2020

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

On 7 September 2020, the Foreign Commonwealth and Development Office (FCDO) updated the list of countries that are exempt from its ongoing advice against all non-essential international travel.

If you choose to travel overseas to a destination where the FCDO is advising against non-essential travel at the time of your departure, then your insurance policy will be invalid, and any claim likely to be rejected.

For domestic travel, please check the local public health rules for the destination you wish to travel to within the United Kingdom.

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.

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