Single trip travel insurance

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, Commenwealth & Development Office (FDCO)
  • needing to cancel your trip due to an incident or circumstance which had already happened, or was going to happen, at the time your policy started and could reasonably be expected to affect your travel plans

Benefits of travel insurance

  • Leisure activities

    From strolling the streets to taking a dip in the pool, 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 £500

Please see What does our travel insurance cover? or policy wording for further details on what is and isn’t covered.

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 your travel documents are lost or stolen while abroad.

defaqto travel insurance 2024

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:

  • Emergency medical treatment
  • Dental treatment for emergency pain relief
  • Emergency medical repatriation to the UK

Up to £5,000 if you need to cancel or abandon your trip due to:

  • Illness or injury of you or your travelling companion
  • Your redundancy
  • Your home being made uninhabitable by fire, storm or severe weather

Cover for your travel documents, money and delayed luggage:

  • Emergency travel document expenses up to £750
  • Personal money up to £500
  • Delayed baggage up to £150

Limits are based on per person, take a look at the policy wording 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:

  • Cancelling or abandoning your trip if the Foreign, Commonwealth & Development Office (FCDO) advise against all travel or all but essential travel to the area you were planning to stay in – unless you’ve taken out the optional Travel Disruption cover
  • Any event, incident or circumstance which had already happened, or was going to happen, at the time you took out or renewed your policy, added any optional cover or booked your trip (whichever is later) – and could reasonably be expected to affect your travel plans
  • Any claim if you travel against the advice of the FCDO
  • Any costs which are recoverable from your travel and/or accommodation provider or agent, your debit/credit card company, PayPal, ABTA, ATOL (or similar organisation)
  • Your personal belongings or baggage – unless you’ve taken out the optional Baggage cover
  • Cancelling your trip if an airport, port or airspace you’re due to travel from or to is closed – unless you’ve taken out the optional Airspace Closure cover
  • Missed connections where you’ve not left enough time for travel, such as transfers between airports
  • Any leisure activities which are listed as excluded in the policy wording
  • Out-of-date travel documents

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 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 wording for more information on what we need to know about existing medical conditions and when you need to tell us.

Read our policy wording (PDF 374 KB)

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.

We work with a specialist travel insurance provider, All Clear, who may be able to cover you. You can contact them on 0800 848 8693 or head to their website.

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

You can tailor your travel insurance to cover the specifics of your trip by choosing from our optional extras.

Travel disruption cover

Make sure you’re covered for cancellations and delays – even if the FCDO advise against travelling.

Airspace closure cover

Depending on where you are, the airport you’re flying from, or even the airspace itself, could be fully or partially closed. Protect yourself against the unexpected.

Baggage cover

Keep your personal belongings and baggage and valuables covered against loss, theft, or accidental damage.

Winter sports cover

Feel confident as you hit the slopes with cover for ski equipment, accidental injury, avalanche delays and piste closures.

Golf cover

Make sure your golf clubs and hired equipment are covered, as well as your green fees if you’re ill or injured.

Scuba diving cover

Your standard cover lets you dive up to 15m – if you want to go deeper, you can get covered up to 30m, as long as you’re diving with a qualified diving instructor or dive master.

Contact us

We’re always here to support you, with emergency lines open 24/7.

Or choose the number that best fits your circumstances and give us a ring. 

Calls to 0800 numbers from UK landlines and mobiles are free. The cost of calls to 01 prefixed numbers are charged at national call rates (charges may vary dependent on your network provider) and are usually included in inclusive minute plans from landlines and mobiles. For our joint protection telephone calls may be recorded and/or monitored.

Medical emergencies abroad

0044 1603 208 044

Open: 24 hours a day

Non-emergency travel claims abroad

0044 1603 603 716

Monday - Friday: 8:00am - 6:00pm

Saturday: 8:00am - 4:00pm

Sunday: Closed

Non-emergency travel claims in the UK

0345 030 6983

Monday to Friday: 8:00am - 6:00pm

Saturday: 8:00am - 4:00pm

Sunday: Closed

Travel assistant

01603 208 045

Open: 24 hours a day

Legal expenses claims and advice

0044 1603 208 244

Open: 24 hours a day

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