Single trip travel insurance
Planning a one-off trip?
What is single trip travel insurance?
Single trip travel insurance covers you for just one trip and can help protect against unexpected events that might pop up – from a sudden illness to a stolen passport. With us, you can get cover if you’re aged 16 to 79 and your one-off trip can last up to 120 days. We also cover UK holidays if you’ve got accommodation pre-booked for at least two nights in a row.
However, two examples of when you won’t be covered are:
- travelling against the advice of the Foreign, Commonwealth & Development Office (FCDO) or any local authority in the UK or abroad – for example, if your decision to travel breaches quarantine or lockdown rules
- Needing to cancel a trip because of measures, such as FCDO advice against travel or local UK lockdown restrictions, which were already in place when you took out your policy or booked your trip.
For more information on COVID-19 and travel insurance, see our Coronavirus: travel insurance page.
Leisure activities
From strolling the streets to bobbing on a boat, cover is available for most activities
Emergency medical treatment
If you fall ill or are injured, we’re here to help with cover up to £10 million
Lost or stolen money
If your pocket is picked or money goes missing, you’re covered for up to £400
The advantages of single trip travel insurance
If you're only planning on taking one holiday or trip within the next 12 months then this cover could be for you. When you get a quote, we’ll ask where you’re going and the start date and end date of your travel. That way, we’re able to give you specific cover for your particular getaway.
With our single trip cover, we'll support you with things like medical emergencies, if you need to cancel or come home early, or problems to do with your money or travel documents.
Your other travel insurance options
If you plan on zipping your suitcase shut several times a year, annual multi trip travel insurance might be a better option for you. Find out more about our annual multi trip travel insurance.
Planning a one-off trip?
What our single trip travel insurance covers
What’s covered
With our single trip cover, here’s what you’ll be covered for as standard.
Up to £10 million for emergency medical expenses outside the UK:
Up to £5,000 if you need to cancel or abandon your trip due to:
Cover for your travel documents, money and delayed luggage:
Take a look at the policy document for full details of what's covered.
What’s not covered
Unfortunately, we can’t cover everything – make sure you’re happy with what’s not covered, including:
Take a look at our policy wording for full details of what's not covered.
What we need to know about your health
It’s important to let us know about any existing medical conditions or we might not be able to pay out for claims relating to them. We need to know if anyone covered by your policy has had any illness, injury, or disease in the 12 months before purchasing or renewing the policy where they’ve:
- been prescribed medication, including new or repeat prescriptions
- received or are waiting for medical treatment, tests, or investigations
- been referred to, or under the care of a specialist
- been admitted to hospital or had surgery.
Look at the Your health section of the policy document for more information on what we need to know about existing medical conditions and when you need to tell us.
Existing medical conditions
If we can cover an existing medical condition, your price will include the cost of covering this. However, sometimes we can’t offer cover for certain medical conditions. If this happens, or you’re not happy with the price we quoted, you may be able to get cover from a specialist medical insurer instead.
The Government’s MoneyHelper service has a list of these insurers. You can go to the Money Helper website or call 0800 138 7777.
If you have symptoms that haven’t been diagnosed yet, you may need to wait for a diagnosis before you’re able to get cover.
Optional cover
Perhaps you’re longing for soft sand beneath your toes or catching icy cold snowflakes on your tongue. Wherever you’re going and whatever your trip involves, you can tweak your cover with our optional cover choices.
Travel disruption cover
Extra cover for cancellation and delays at home or away (including where the FCDO advise against travelling).
Airspace closure cover
To help you get home if the airport or airspace is closed.
Baggage cover
Cover for loss, theft or accidental damage to your personal belongings and baggage.
Winter sports cover
Covers ski equipment, delays caused by avalanches, piste closures and more.
Golfing cover
Cover your clubs and other equipment, plus green fees if you’re ill or injured.
Scuba diving cover
Dive up to 30 metres with a qualified diving instructor or dive master.
How our claims process works
At home or abroad, we’re here when you need us – online and over the phone.
You can only claim for an unexpected event. Our travel insurance doesn’t cover you for any event, incident or circumstances that you knew about – or could reasonably be expected to know about – when taking out your policy. That could be something that’s already happened, or is going to happen, and is likely to affect your travel plans.
Your travel policy provides cover for unrecoverable costs. If you need to make a claim for travel, accommodation or related costs, which you or any insured person has paid, we’ll consider claims for your costs that can’t be recovered from your travel and/or accommodation provider or agent, your debit or credit card company, PayPal, ABTA, ATOL (or similar organisations).
Keep your documents handy
We're here to help 24/7 – online or over the phone.
For medical emergencies, call +44 1603 208 044. [1]Footnote 1
You'll need your policy number to start a claim – so it's a good idea to take a copy of your insurance documents with you.
Expert review
Our experienced team will take a look at your claim and work out how best to help you.
We’ll review any photos or documents you’ve sent us as part of your claim, like receipts for emergency accommodation.
We’ll respond quickly
We’ll aim to get back to you as quickly as possible to help sort things out.
Travel articles
Read our latest news and guides for different types of trip away.
How to protect yourself while skiing
Some pointers on how to stay safe on the slopes, from getting the right gear to making sure you have the right insurance cover.
Travel tips for long trips
What to do if you’re planning an extended stay away from home
Still need help?
If you’ve still got a question, find out how to get in touch on our contact us page.