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Travel insurance

Single trip travel insurance

Single trip travel insurance covers you for one trip with a specified start and end date. It may be a cheaper option than annual travel insurance (multi trip travel insurance) if you don’t take many trips during the year.

If you do plan to go abroad several times a year, you may find that annual travel insurance offers better value.

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What are the advantages of single trip travel insurance?

To see if there is a financial advantage of getting a single trip policy over an annual travel insurance policy, you need to add up all the trips you plan to go on and compare the quote for annual insurance to your single trip insurance quotes.

It’s very important to check the small print of your policy to check that all the countries you hope to visit are covered under the policy.

Compared to multi trip, single trip travel insurance can be:

  • generally cheaper – if you don’t plan to go anywhere else in the next year
  • more specific  –  if the nature of your trip and your journeys vary considerably with specific requirements such as risky sports or more risky destinations, getting annual travel insurance may get too expensive – one trip to Africa and another trip to go skiing might not be covered under the same policy, for example.

What should a single trip policy cover?

Single trip policies can cover illness and injury, holiday cancellation, loss of baggage, theft, emergency repatriation, public liability and personal accidents.

You should get access to a 24-hour emergency line to call in the event of an emergency, or to make a claim as soon as possible.

How much does single trip travel insurance cost?

Travel insurance for a single trip can cost just a few pounds. But if you’re considering the cost of a policy, you need to make sure that it covers all eventualities. Make sure you aren’t losing out on cover in important areas if you opt for a cheaper policy. Often credit card policies, or those associated with your flight don’t offer enough cover for emergencies.

The cost of travel insurance can vary greatly depending on many factors, including:

  • Where you are travelling
  • Whether you want single, joint or family cover
  • Your age
  • Pre-existing medical conditions
  • Excess
  • Cover limits
  • Extra cover for sports and activities

Using a price comparison site will make it easier for you to select your preferences and compare prices from lots of insurers, without having to fill in your details again and again.

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When to buy travel insurance

While you might only remember to buy travel insurance when you’re packing your suitcase, ideally you should take out cover as soon as you’ve booked. Good quality travel insurance policies will cover you for cancellation, and if you take out your policy as soon as you’ve booked, you’ll be covered straight away. If you wait until nearer to your holiday and then have to cancel, you won’t be covered if your policy isn’t in place yet.

How to choose a single trip travel insurance policy

    If you’ve decided you need a single trip policy instead of annual cover, you should also look out for these factors when choosing your cover:

  • Do you need worldwide or European cover?
  • How many days’ travel will you be covered for in total?
  • Does the policy include baggage cover, and is the limit high enough?
  • What’s the single article limit for valuables and gadgets?
  • Do you already have cover for your belongings away from home with your home insurance?
  • Is your cash covered for loss or theft?
  • Is the cancellation cover limit high enough to cover the cost of the booking?
  • Have you declared any pre-existing medical conditions? (If you don’t declare any illnesses your claim could be rejected.)
  • Are there any exclusions?
  • Can you afford to pay the excess if you need to claim?
  • Are you covered for any planned activities, such as skiing and scuba diving?

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Search for annual or single trip travel insurance with uSwitch and*

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