Star Fish Beach

Single Trip Travel Insurance

Compare quotes from as little as £7.99*

Last updated: 22nd April 2024

What is Single Trip travel insurance?

Single Trip travel insurance is precisely as straightforward as it sounds. It offers coverage for a specific trip within a specified duration. Therefore, if you only travel once or twice a year, Single Trip insurance is likely to be your best choice.

This type of insurance is tailored for those who do not frequently travel but seek peace of mind for that one-off holiday or business trip. The cover typically encompasses a range of potential issues, from trip cancellations and medical emergencies to lost luggage and flight delays. Opting for Single Trip insurance means you're purchasing a bespoke safety net for the duration of your travels, ensuring that unforeseen events don't turn your one-off trip into a financial burden.

We can help you compare Single Trip policies across our panel of recognisable and trusted insurance providers to help you find the most suitable policy for your trip.

Get a quote

Why you need Single Trip travel insurance?

When you're planning that much-anticipated holiday or essential business trip, the last thing on your mind is what could go wrong. However, unexpected events, from minor inconveniences to major emergencies, can occur without warning. This is where Single Trip travel insurance becomes essential. Not only does it provide peace of mind, allowing you to enjoy your trip to the fullest, but it also offers a safety net for a variety of issues that might arise.

Imagine falling ill or sustaining an injury whilst abroad; medical expenses can quickly get out of hand, particularly in destinations without reciprocal healthcare agreements. Or consider the frustration and potential financial loss if your flight is cancelled or your luggage goes missing. Single Trip travel insurance is designed to cover these and many other unforeseen events, ensuring that an unexpected hiccup doesn't turn into a significant financial or emotional drain. Whether it's reimbursing you for pre-paid expenses due to trip cancellation or providing emergency medical coverage, this insurance is your guarantee that one trip's mishaps don't have long-term repercussions on your wellbeing or financial stability.

Boats on the beach in Thailand

Choosing Between Single Trip and Annual Multi-Trip Insurance

While Annual Multi-Trip insurance may be economical for frequent travellers, a Single Trip policy often presents a more suitable option for those who travel less frequently. For individuals planning a one-off holiday or a singular business trip in a year, Single Trip insurance ensures they are not paying for coverage they don't need. This type of policy is tailored to the specific details of your trip, such as duration and destination, potentially making it more cost-effective compared to the broader coverage of an Annual Multi-Trip policy which might cover risks irrelevant to your single excursion.

More importantly, for those with changing health conditions or specific travel needs, Single Trip insurance can be customised to address these unique requirements, offering more bespoke protection that a standard Annual Multi-Trip policy may not provide. In essence, if your travel habits are sporadic or concentrated on a singular significant trip, choosing Single Trip insurance could be the more financially sensible and practical choice, ensuring you're not over-insuring but still adequately protected for your actual travel needs.

What does a Single Trip Travel insurance policy cover?

A Single Trip travel insurance policy is designed to offer comprehensive protection for a wide array of potential issues and emergencies that might occur while you are away from home. A typical Single Trip policy should include, but is not limited to:

  • Medical Emergencies: Pays for treatment if you become ill or get injured, including hospital stays, surgery, and medication. It can also cover the cost of your transportation back to the UK if medically necessary.
  • Cancellation and Curtailment: If you have to cancel or cut short your trip due to unforeseen circumstances such as illness, bereavement, or redundancy, you can reclaim the costs of your flights, accommodation, and other pre-paid expenses.
  • Lost, Stolen, or Damaged Belongings: Provides compensation for personal items such as baggage, travel documents, and gadgets if they are lost, stolen, or damaged during your trip.
  • Personal Liability: Covers legal liabilities if you accidentally injure someone or damage their property while on your trip.
  • Delayed Departure and Missed Connections: Offers compensation if your flight is significantly delayed, or you miss a connecting flight due to reasons beyond your control.
  • Legal Expenses: Covers the cost of legal advice or proceedings if you encounter legal problems while abroad.

It's important to carefully review the terms and details of your chosen policy since coverage can vary significantly between providers. Some policies might also offer additional options for extra peace of mind, such as coverage for catastrophic events like natural disasters, terrorism, or the financial failure of travel suppliers. Always ensure that the policy you select matches your specific needs and the nature of your trip.

Get a quote

When to buy Single Trip Insurance

Deciding when to take out a Single Trip insurance policy should be an integral part of your travel planning process. Ideally, it is advisable to purchase your policy as soon as you've booked your trip. This ensures that you are immediately covered for specific pre-departure issues, such as trip cancellations or significant delays, that could arise even before you set off on your travels.

Organising your Single Trip insurance early not only secures your financial investment in your holiday or business trip but also gives you peace of mind knowing that any unexpected events leading up to your departure date are covered. Additionally, considering insurance at the initial stages of your travel booking allows you to reflect accurately on the level of coverage you need, including potential upgrades for activities that might require additional protection, like skiing or adventure sports.

The best time to secure a Single Trip insurance policy is as soon as your travel plans are confirmed, ensuring comprehensive coverage from the moment your trip is booked to the moment you return home.

Beach huts suspended of crystal clear tropical waters

Top Tips for buying Single Trip Travel insurance

When it comes to arranging Single Trip travel insurance, a bit of foresight and careful planning can make all the difference. Here are some top tips to help ensure that you get the most suitable cover for your needs:

  • Compare Quotes: Don't settle for the first policy you come across. Compare various providers to find the best coverage at the most competitive price. Remember, the cheapest option may not always offer the best value in terms of cover.
  • Read the Fine Print: It's crucial to carefully examine the terms and conditions of any insurance policy. Pay special attention to exclusions, limits, and requirements for making a claim to avoid any unpleasant surprises.
  • Consider Your Activities: If your trip involves special activities like skiing, scuba diving, or hiking in remote areas, make sure your policy covers these. Specialist coverage may be required for certain adventures.
  • Check the Excess: Understand the excess amount you'll need to pay in the event of a claim. A lower excess might mean a higher premium, but it could be worth it for the added peace of mind.
  • Declare Medical Conditions: Be honest about any pre-existing medical conditions you have. Failing to do so could invalidate your policy if you need to make a related claim.
  • Keep Documentation Handy: Make sure you have all your insurance documentation easily accessible while travelling. Also, keep a note of emergency contact numbers for your insurer.

Following these tips can help you secure travel insurance that offers comprehensive protection tailored to your trip, ensuring a safer and more enjoyable travel experience.

Let us help get you covered

Choosing the right Single Trip travel insurance is a crucial step in planning your trip, offering protection against a wide range of unforeseen incidents, from medical emergencies to lost luggage. By following our top tips and ensuring you understand exactly what your policy covers, you can travel with confidence, knowing you're well protected against any eventualities.

At Compare Your Travel Insurance, we understand the importance of finding the perfect travel insurance policy that's tailored to your specific needs without breaking the bank. That's why we offer a user-friendly site that allows you to compare quotes for Single Trip travel insurance from our extensive panel of providers quickly and easily. Wherever your travels take you, we're here to help you secure the comprehensive cover you need for peace of mind during your travels.

Start comparing today and experience a hassle-free way to get the best travel insurance suited to your individual trip requirements.

Get a quote


*Price is based on 1 traveller aged 25, with no medical conditions, and is travelling to Spain for 5 nights. The price is correct as of March 2024. Prices may vary according to your individual requirements.

Single trip travel insurance policies provide cover for a date-specific, individual trip, and will provide cover from the moment you leave your home, to the moment you return. Cover benefits, to name a few, include medical, repatriation and cancellation. Some insurance providers can also provide cover for up to 94 days.

If you’re not a frequent traveller, a single trip policy is a great option, that will likely be cheaper than an annual multi-trip policy.

You should purchase your single trip travel insurance as soon as you book, as this will ensure that cancellation cover is in place.

When buying your single trip travel insurance, you will be asked to provide the start and end dates of your trip. To ensure you are covered correctly, the start date will need to be the date you leave your home to start your trip, and the end date will be when you arrive back home. This includes any travel to and from an airport or port.

When obtaining a quote, you can select all the countries you intend to visit on your holiday. 

Single Trip Cover

You will need to add each country that you are visiting. If you are on a flight stopover, you only need to include this country,  if you were to leave the airport. If you are on a cruise it will be any country that your ship will be docking and any country you fly to before boarding your cruise.

Annual Multi-Trip Cover

You can choose between cover for Europe, Worldwide (excluding the USA, Canada and the Caribbean) or Worldwide. Make sure you select the right option for your intended holiday plans for the year.

How an insurance provider classifies a country (e.g. Europe or Worldwide) can vary from provider to provider. Be sure to check the policy wording to see which countries are covered. 

This depends on how often you travel. If you do not travel often, then a single trip policy would be ideal. This does mean you will need to purchase a policy for each holiday or short weekend away you take.

However, if you plan to take 2 or more holidays or trips away, within a calendar year then an annual-multi-trip policy might be better suited to your needs, as this could save you money in the long run.

When it comes to single trip policies, it's best to purchase a policy as soon as you book, as this will ensure that cancellation cover is in place. Regarding annual multi-trip policies, it's best to start your policy, as soon as possible, as cancellation cover only comes into force from the policy start date.

A pre-existing medical condition is any diagnosed medical condition for which medical advice, care or treatment was recommended or received, before applying for your travel insurance policy.

We will need to know if certain conditions have ever been present, and for others, if they occurred within a certain period.

Tommy Lloyd
Author: Tommy Lloyd, Managing Director

Tommy has over 15 years experience within the insurance industry, and his primary focus is helping travellers find the right cover at the right price!

Newsletterbackground 2 2

Join Us

Stay in the loop with the latest news, cool tips, travel hacks, and awesome destination ideas delivered right to your inbox.