Modified on 5th Nov 2019

What is single trip travel insurance?

Single trip travel insurance is a type of travel insurance that covers you for one trip only.

This type of insurance is designed to cover one off, individual trips and will insure you for the period of your specified travel dates.

Single trip insurance can cover a range of eventualities such as cancellation, personal accident, lost or stolen personal property and many more.

Who can benefit from single trip cover?

If you’re not a frequent traveller, single trip cover is a great option and generally works out cheaper than annual multi-trip cover.

With a single trip policy, you only pay for the period of cover you actually need (as opposed to paying for a whole year).

There may be instances where it's more likely you'll be offered a single trip rather than an annual multi-trip. This could be because of the age of a traveller, declared medical conditions or the length of time you are going away for.

What does single trip holiday insurance cover?

Cover levels vary across our panel of travel insurers, but you can generally expect to be covered for:

  • Cancellation
  • Personal Accident
  • Medical & Repatriation Expenses
  • Mobility Aids
  • Missed Connection
  • Baggage Loss
  • Theft

Single trip medical travel insurance comparison

If you live with pre-existing medical conditions, the very best way to ensure you’re not out of pocket (should your medical conditions cause any complications before or during your trip) is to buy a travel insurance policy that includes cover for them.

Medical Travel Compared specialises in helping people who may have difficulty getting standard cover due to age or medical history, so you’re in safe hands.

Use our simple and straightforward online medical screening facility to declare your pre-existing medical conditions and anything for which you take prescribed medication for.

We will then search our panel of over 40-specialist medical travel insurers to offer you a choice of cover levels and premium options to suit both your travel needs and your budget. You may also find that getting accepted for single trip cover with medical conditions is easier than with annual multi-trip.

Which medical conditions are covered by single trip medical travel insurance?

We compare single trip holiday insurance for a huge range of medical conditions.

If cover exists for your condition, we’ll do our best to find you the best value cover for your condition.

Here are just some of the conditions covered by single trip medical travel cover:

How can I get the best price for my single trip travel insurance?

While we’re all after a cheap deal on our travel insurance, you need to remember that the cheapest insurance isn’t always the best option – especially if you have medical conditions you need to be covered.

Cheaper policies also often come with a higher premium, so you may find yourself paying more should you need to claim on your policy.

Comparing insurance policies side-by-side will give you the best possible view of which is the best deal. Be sure to read the small print and ensure your specific conditions or the activities you’ll be doing (skiing, for example) are covered.

If you have any doubts about your quote, you can always ring the provider and they should be able to shed light on the specifics of what their policy will cover you for.

If you are travelling in a group or with your family, a quick money-saving tip is to look for single trip family travel insurance. This way, you can put all your family onto the one policy instead of having to pay for several separate ones.

Single trip cover for skiing and cruises

If you’re planning to take yourself on a ski trip or a luxury cruise, you need to line up the right level of single trip cover for your trip – even if it’s just a one-off.

Because skiing comes with a higher risk of injury, it requires a higher level of cover.

It’s much the same for cruises – being away from land can mean that you will need additional cruise travel insurance to cover your costs should you need to be hospitalised.

When entering your details into our system, simply tick the cruise or winter sports button to ensure this is included in the quotes we generate.

Premiums for single trip travel insurance

There are a few factors that influence the price of single trip holiday cover and these are age, trip duration, destination and current health status.

Insurance premiums tend to rise after the age of 59/60 and the longer you’re away for, the higher the premium.

Destinations also tend to fall within three geographical areas:

  • Europe tends to have a lower rating,
  • Rest of the World generally falls in the middle,
  • Worldwide including USA, Canada and The Caribbean is at the higher end in terms of cost.

With the above in mind, it’s wise to get a quote for areas like USA, Canada and The Caribbean before booking the trip, especially if you have medical conditions, as obtaining cover for these areas can sometimes be tricky and cost more.

Buying single trip holiday insurance

Medical Travel Compared is intended for UK residents of all ages, and can help arrange cover for both short and long stay holidays.

Once you have entered your details into our quoting system, you can then review the search results in price order. When purchasing a single trip policy, it’s important that you understand what you’re covered for.

Do take a look at the policy summary detailed with each quote, making sure it covers you for everything you need.

Check the cancellation limit is enough to cover the cost of your holiday should you have to cancel, and pay attention to the excess that applies and decide if the amount is affordable should you make a claim. Please remember, the cheapest quote may not necessarily be the best one for your individual circumstance.

Frequently Asked Questions

You will need to add each country that you are visiting. If you are on a flight stopover this will include any countries where you leave the airport. If you are on a cruise it include any countries where your ship will be docking at.

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.

Most insurance providers will cover you for up to 45 days, however, there are a few who may be able to cover you for up to 94 days.

If you are going on 2 or more trips a year, then an Annual Trip policy may save you money!

A pre-existing condition is a diagnosed medical condition that existed prior to taking out a policy. We'll ask a series of questions about the medical history for you and any travellers on your quote. If you answer yes to any of these, you will need to tell us about the travellers conditions. This could be a condition that a traveller has now, or has had in the past. If you are not sure what conditons you need to declare, we have online support available to help you 24/7!

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