What is single trip travel insurance?
A single trip policy covers you for one holiday, just for the days you’re away. You’ll also be covered for any cancellations in the run-up to your trip. If you have just one holiday planned, a single trip policy could be exactly what you need.
But if you’re headed out on more than one holiday a year, an annual multi-trip policy could save you time and money.
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What does single trip travel insurance cover?
Most single trip policies include cover for:
- Cancellations or cutting your holiday short
- Medical emergencies
- Helping you get home in an emergency
- Lost luggage, money or passport
- Travel disruptions
And much more.
When you compare travel insurance with PayingTooMuch, you can find the right cover at a price that makes sense.
What won’t be covered?
Some common claims that can’t be covered include:
- Accidents related to alcohol or drugs
- A medical condition you should’ve declared
- Choosing not to travel
- Travelling against the advice of your doctor
- Travel for medical treatment
Don’t forget to read the policy documents before you buy. It’s not the most exciting read, but it’ll help you check you’re covered for the things that are important to you.
When should I buy a single trip insurance policy?
It’s a good idea to take out your single trip travel insurance as soon as you book your holiday. This means you’ll be covered for cancellations before you head off on your trip, for added peace of mind.
How much does single trip holiday insurance cost?
The cost of your single trip policy varies from person to person. The right travel insurance for you won’t always be the cheapest, but it can give you peace of mind knowing you’re covered. A few things that can impact the cost of your insurance include:
Age
When you get older, you’ll probably see the cost of your travel insurance rise. That’s because there’s an increased risk of accidents, illnesses and injuries when you’re on holiday. But with the right cover for over 50s, over 60s, and over 70s, you can find affordable quotes to help you travel with more freedom.
Medical conditions
Pre-existing conditions can often make your policy cost more, as you may be more likely to have a medical emergency while you’re away. It’s important to be honest about your pre-existing conditions on your travel insurance to make sure you get the right cover. With PayingTooMuch, you’ll be shown a fair price for great quality cover you can trust.
Destinations
Some destinations can drive up the cost of your travel policy. Healthcare in some countries, like the USA, can be expensive. Some places might also have a bigger risk of natural disasters such as earthquakes or tsunamis.
Length of trip
A weekend away is likely to cost less than a three week holiday. The longer you’re away, the greater the risk of needing medical attention, or losing your valuables.
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What are the key benefits of travel insurance?
Before you buy a policy, it’s important to understand what you’re covered for and what you’re not.
Cancellation cover
Cancellation cover is designed to pay back any pre-paid expenses that would be lost if you’re forced to cancel your holiday before you travel.
It’s important to make sure that you choose a policy with enough cancellation cover for the costs you would need to claim for.
Medical Emergency Cover
Travel insurance is designed to pay the costs for a medical emergency while you’re on holiday. You may have to pay an excess contribution to the total costs or you can choose a ‘nil excess’ option if you wish.
Some policies will cover emergency dental treatment if it’s for the immediate relief of pain.
All policies will pay to bring you back to the UK when this is recommended.
Treatment in a private hospital or clinic abroad is not usually covered if a suitable public or state facility is available.
PayingTooMuch meets the eligibility requirements for inclusion on the Money Helper travel insurance directory, which the FCA has confirmed meets its criteria for a 'medical cover firm directory'. The Money Helper customer contact centre freephone number is 0800 138 7777.
