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Single trip cover is an insurance policy for a one-off holiday. If you go away twice or more every year, it could work out cheaper to buy annual travel insurance. But if your main holiday is just once a year, single trip insurance could be better value. According to our data, 50% of people could achieve a single trip travel insurance quote of £5 for a one-week trip to Europe compared to an annual travel insurance quote of £7 for Europe, based on Compare the Market data in May 2018.
The pros of a single trip policy include:
The alternative to a single trip travel insurance policy is an annual travel insurance policy (also known as a multi-trip policy). This type of insurance should cover all your holidays for one year, but bear in mind that there’s usually a maximum length for each trip. This means that each holiday you take can’t exceed the number of days specified in your policy – typically this is 31 days, but you can find policies for 60 or even 90 days. If you intend to be away for longer, then look for a long stay policy.
A typical travel insurance policy, including single trip cover, should protect you against:
Possibly. If you’re planning on being adventurous, you should check you’re covered or pay for extra cover for the following:
Yes. To get you a list of quotes, we’ll ask you a few questions about your health and get you to add any pre-existing medical conditions. From a provider's point of view, if you or a member of your family has a health condition it could mean you're more likely to need medical help while you’re away. Because of this, some conditions might increase the insurance premium, but this isn’t always the case with all conditions. Make sure you list any medical conditions and give providers all the information they need. If you don’t, you might be charged more by your provider or not be covered if anyone gets ill.
Yes. Where you’re travelling to could also impact on the price of your single trip travel insurance. For example, the following countries all have a high level of private health care, therefore it costs more to receive treatment there.
As a result, you might find it’s more expensive to get cover if you have a pre-existing medical condition and you’re visiting any of these countries. To give you an idea of the costs of medical care and repatriation, when a UK traveller suffered a stroke in the USA, £768,000 was paid to cover medical costs, including £60,000 for an air ambulance back home. Please note: Your travel insurance won’t cover you if you are travelling to a country that the Foreign & Commonwealth Office (FCO) doesn’t consider safe. For more information, check the FCO website.
While staycations mean you won’t have to worry so much about medical costs, if you suddenly become ill and can’t go away, then travel insurance could cover the cost of a cancelled holiday. UK holidays often have minimum stay requirements, so make sure you check this before buying a policy.
We can help find the right single trip travel insurance policy for you. Simply compare travel insurance and get a quote in minutes.