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
Do you know someone who could benefit from this article?
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

Non-essential travel is not currently permitted within the UK before 12 April 2021 at the earliest (check individual regions before travel as they may be different) and international travel is not currently permitted before 17 May 2021 at the earliest (dates subject to further confirmation from the government).

You’re still able to purchase annual multi-trip policies, however, if you choose to travel against The Foreign, Commonwealth & Development Office (FCDO) advice and current restrictions, you won’t be covered for your trip, including for essential travel.

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.

Why use Compare the Market?

We make it easy to compare great-value travel insurance. Half of our customers could achieve a quote of £6.14** for single trip travel insurance for one week in Europe, based on Compare the Market data in November 2020.

Why not get a quote and see if you can find a great travel insurance deal?

**Based on a single trip travel policy for a 20 year old with no pre-existing medical conditions travelling in Europe for 1 week. Prices correct as at November 2020.

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