Single trip travel insurance

Single trip travel insurance could offer you cover for one trip from the date you buy the policy until you return home.

Compare single trip cover so your travel is protected.

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Last updated: 10 February 2021

How to find the best single trip travel insurance

To find the best single trip travel insurance, think about the most important things you want to cover before comparing several policies to find the right option.

Consider what's covered

Most single trip travel policies will cover:

  • Illness and injury: You can claim for emergency medical bills.

  • Baggage loss: Where you need to replace items lost travelling overseas, this includes with airlines.

  • Emergency repatriation: where you need to be sent back to the UK for urgent medical treatment due to a serious accident or illness.

  • Cancellation or curtailment: if you have to cancel or cut your holiday short due to unexpected circumstances e.g. illness or death of a loved one.

Other policies include cover for loss or theft of valuables and public liability if you injure someone or cause damage to property, but these may cost extra.

Decide what you want the insurance to cover before you search for quotes, as this will help you find the best deal.

Who are you travelling with?

A group policy may seem efficient compared to having a policy per person, but it can be expensive and complex. Read small print to decide if doing this is appropriate.

  • If travelling in a group, some insurers offer group travel insurance policies

  • If you're travelling with your partner and children, consider family travel insurance which can cover your children for free

Declare the details

When getting quotes, answer all questions accurately and disclose any important information the insurer should know in order to be fully protected. For example:

  1. Pre-existing medical conditions must be declared. If you do not tell your insurer, there is a risk you will not be covered if you need medical treatment for an undeclared condition.

  2. Participating in high risk sports and activities such as skydiving, snowboarding and skiing can be added to your policy as an extra as it is generally excluded in standard cover, however this is likely to cost more.

Get several quotes

It is important to compare a number of quotes to get the right cover for the right price, otherwise you might overpay and not be fully covered.

Make sure you are comparing quotes that all offer the cover you need for your trip and that you can afford any excess that you have to pay if you make a claim.

If you have a pre-existing condition, you can still get a quote through Money.co.uk. These conditions could include cancer, stroke, serious heart, respiratory and terminal conditions.

Some insurers might not cover you if you already have a serious medical condition, or if you have a number of conditions. Others might only offer insurance at a much higher price. If you're unable to find suitable cover, the Money and Pension Service (MaPS) has also set up a directory of insurers willing to cover customers with pre-existing medical conditions.

You can contact the Money and Pensions Service (MaPS) or you can telephone 0800 138 7777.

Single trip travel insurance FAQs

Travel insurance is not a legal requirement, but it can protect you against expensive medical bills if you get ill or injured abroad.

Possibly, some insurers may have maximum age limits. It is best to speak to potential insurers to check if they have a limit and whether you're eligible for cover.

Yes, the longer the trip, the more it may cost to insure. Some providers also have a limit on the duration they will cover, so it is best to check this when getting quotes.

You will need to contact your insurer in order to make a claim. Read our guide on how to make a travel insurance claim.

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