Single Trip Travel Insurance

Although there are benefits to getting annual travel cover if you are a regular traveller, this does leave you with certain restrictions, such as needing then to get supplementary cover for winter sports, or for travelling outside of your cover zone the next time you travel. The alternative, and still the most popular insurance option for UK travellers, is single trip travel insurance. This is the cheapest option if you are not sure if you will go abroad more than once in a year, and also means that you can tailor your cover to suit your holiday, rather than needing to go for a one-size-fits-all option.

Travel insurance is more modular than other forms of cover, in that there are so many variations needed to suit different types of travel that you can usually pick and choose the parts of cover that you need. As an example, if you are already covered under a house insurance policy for loss or damage to valuable items such as mobile phones and cameras away from the home, you do not necessarily need to include a high level of cover for lost or damaged items within your single trip travel insurance. Likewise if you paid for your trip on a credit card, you may well be covered for flight delays or cancellations already, and do not need this element of cover to be included. However, if you are buying a discount single trip travel insurance policy, you will find that basics such as medical and legal costs, lost baggage and trip changes or cancellations are included as standard, in which case you would be better to keep the additional cover to ensure that you are protected against all eventualities.

Get Single Trip Travel Cover from 96p per day!

Points to Consider when Comparing Travel Insurance

• Age restrictions. Some annual travel insurance policies will only insure you up to a certain age.  If your birthday falls during the insurance policy term, you should double-check that you're still covered or whether you need to update the policy. This is particularly relevant for a multi-trip or annual travel insurance policy.
• Winter sports. You will need to pay extra for skiing and other high-risk sports and activities.  The insurer will usually specify which sports and activities they will cover as standard.  If you are in any doubt, ask the insurer.
• Policy Excess. Most travel insurance policies will include excesses, and you will need to pay a small excess per feature you wish to claim for (for example, a £60 excess on a £500 baggage loss allowance).  If you would like to waive the excess, you should expect to pay more for your policy. 
• Pre-existing medical conditions.  These are very rarely covered.  If you need pre-existing conditions covered, you will need a specialised travel insurance policy.