Published by Joe Davine on
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How to get cheap single-trip travel insurance

Single-trip travel insurance is the most basic form of travel insurance you can find, and usually the cheapest. If you’re planning on travelling abroad more than twice in a year, then you may want to consider multi-trip travel insurance, but if not, then keep reading and we’ll take you through everything you need to know about single trip policies.

What is single-trip travel insurance?

Single-trip travel insurance is exactly what it sounds like: travel insurance that covers one person for a one-off trip or holiday. A single-trip policy is typically very easy to take out: just select where you’re going and the dates you will leave and return, fill out a few details, and you’ll be able to find a great policy in just a few minutes. Single-trip travel insurance is also the cheapest form of travel insurance, and you can often find comprehensive coverage for as little as £5.

What does it cover?

The most important thing to consider when taking out travel insurance is what you’ll be insured for while you’re away. Single-trip travel insurance will cover you for all the basics, such as medical expenses and lost luggage, but you may need to take out extra insurance if you want to be covered for extreme sports or activities. The level of cover will vary between policies, but typically you will be covered for:

  • Medical treatment
  • Repatriation
  • Flight cancellations
  • Stolen/damaged valuables
  • Lost luggage
  • Personal liability

What are the advantages of single-trip travel insurance?

The best thing about single-trip travel insurance is the cost, closesly followed by how simple it is to take out a policy. Because you’re only taking out insurance for one trip, it’s easy to fill out all the details of your holiday and the price is typically lower than with other policies. On top of this, single-trip policies tend to have higher age limits than other types of travel insurance, and sometimes no age restrictions at all.

Single-trip insurance is great if you’re not planning on taking more than two trips over the course of a year. If you intend on travelling regularly, it will likely be cheaper for you to take out an annual travel insurance policy.

How much does a single-trip travel insurance policy cost?

This is a hard question as there is no one-size-fits-all answer. The exact cost of yur single-trip travel insurance will depend on a variety of factors, inscluding your age, where you’re intending to travel to, and if you intend on taking part in any extreme sports or activities.

If you are under 30, have no pre-extisting medical conditons, and are only looking for standard cover, then it is easy to find policies for as little at £5. However, always check the policy details, as a cheap travel insurance policy is only good value if it offers a good level of cover.

Do I need extra cover for sports and activities?

Usually yes, especially if wanting to take part in winter sports such as skiing and snowboarding. Standard travel insurance policies usually don’t cover sports and activities as standard, but allow these to be added as extras to your travel insurance.

If you are travelling to play a sport and need to take out travel insurance, you will usually find that your insurance will cover you for a whole host of things. For instance, if you’re travelling to play golf, then a single-trip travel insurance policy will often pay out if you are unable to play due to illness or the weather, as well as insuring your clubs while you’re travelling.

Where can I travel with single-trip travel insurance?

Pretty much anywhere, you just need to select your destination when taking out your insurance and get a quote for travelling to that country. If you’re planning on visiting a variety of countries, then you can often add these to your policy along with the dates you’ll bve in each place, but this will likely increase the cost of your policy.

The reason we say ‘pretty much’ anywhere is that there are always some countries in which your travel insurance will be invalid. These are places which the Foreign and Commonwealth Office (FCO) has advised against travelling to. To end up on this list, a location is usually an active warzone, or has had recent reports of foreign travellers being kidnapped. You can find the current FCO travel advice for all countries here.

Are there any exclusions?

Yes, as with any type of insurance, single-trip travel insurance has a range of terms and conditions about what your policy will not pay out for, or when you won’t be able to take out a policy at all. These vary across insurers, but here’s a quick summary of some of the most common:

  • Extreme or winter sports. Typically, single-trip travel insurance doesn’t include cover for sports as standard, but offers it as an extra. If you’ll be taking part in any sports or activities, then make sure you’re taking out a policy that covers you for them.
  • Age. Single-trip travel insurance tends to have the highest age range compared to other policies, but you are still likely to find it harder to find policies as you get older. Also, the more advanced your age, the more expensive your policy will be.
  • Alcohol or drug related injury or illness. Your travel insurance will not pay out for any medical treatment required for an injury or illness infliced when you were inebriated.
  • Undeclared pre-existing medical conditions. It is possible to take out sngle-trip travel insurance if you have a pre-existing medical condition, but you need to declare it when taking out the policy or you won’t be covered.

What are my other travel insurance options?

If single-trip travel insurance doesn’t sound like it’s right for you, here is a quick summary of the other forms of travel insurance you might want to consider:

Multi-trip

If you’re planning on taking more than two foreign holidays in the next year, then it will likely be cheaper and more convenient to take out a multi-trip policy. With this type of cover, you are insured for an entire year. Also known as annual travel insurance, these policies can be taken out to cover you only for a specific region (e.g. Europe) or for travel all over the world.

Backpacker

Going on a long adventure where you’ll be visiting many countries, such as a gap year? the n you’ll need backpacker travel insurance. Unlike multi-trip cover, which usually limits individual trips to a maximum length of 31 days, backpacker insurance allows you to travel continuously for up to a year - and even more with some policies.

Family

You can get cover for you, your partner, and your children all in one policy with family travel insurance. This saves the hassle of booking individual policies for each family member, and often also works out cheaper. Family policies usually cover two adults and up to ten childen.

Couples’

If you’re off on a romantic getaway, then it might be more convenient for you to take out a couples’ travel insurance policy rather than two individual single-trip policies. This will likely be a cheaper option, but it is worth noting that this type of cover is usually designed for two people in a relationship who live at the same address.

Group

Groups of people who aren’t necessarily related to each other can all be covered at once under a group travel insurance policy. Usually in order to be eligible for one of these policies, everyone in your group will have to live in the same country and all travel together on the holiday (e.g. on the same flight). This is ideal for insuring a sports team or for a hen/stag do.

Can I get single-trip travel insurance if I have a pre-existing condition?

Yes, but you will need to declare it when you take out your policy. If you fail to declare a health condition, then your insurance will refuse to cover any costs associated with that condion while you are abroad. Pre-existing conditions don’t usually prevent you from taking out a policy, but they will mean your cover is more expensive.

Do I need travel insurance if I have a European Health Insurance Card (EHIC)?

Yes, a European Health Insurance Card is not a replacement for travel insurance. What the EHIC entitles you to is whatever basic medical care is available to the citizens of the European country you are visiting. This is rarely comprehensive, and also usually involves paying at least a small amount up front for treatment.

Travel insurance, on the other hand, offers you millions of pounds worth or private medical insurance, and will also cover the cost of repatriation if you get very ill or badly injured and need to be transported home. In addition to this, your policy will also cover any unexpected cancellations, lost luggage, and stolen or damaged valuables. A European Health Insurance Card will cover none of these things.

Should I get single-trip travel insurance?

That’s up to you. If you are going away on a holiday, and don’t plan on taking another two or more foreign trips over the course of the year, then single-trip travel insurance is a great option. It’s quick and easy, and is also the cheapest form of travel insurance around.

Can I get a quote right now?

You certainly can. Simply click the link below and one of our trusted insurers will find you a great quote in minutes.