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Single trip travel insurance

Super save with one-off cover from £4.73*

MoneySuperMarket Super Seven

Compare holiday insurance quotes from 35 trusted UK providers**

We’re dedicated to finding you a great deal on your travel insurance, that's why we compare deals from 35 leading travel insurance providers, including:

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*Based on an individual aged 30 taking single trip cover for 3 days to France. Cover starts on 12th September 2022 and ends on 15th September 22. Equivalent to £1.73 per day.

**Accurate as of January 2023

What is single trip travel insurance?

Single trip travel insurance protects you for a single trip to a chosen destination. Single trip policies last for only a limited time and will typically end once you have returned home from your holiday.

While the policy is active, single trip travel insurance can cover you various events depending on your level of cover, including cover for medical emergencies, lost luggage, cancelled flights, or stolen travel money.

aeroplane

How does single trip travel insurance work?

  • 1

    Purchase a policy

    By purchasing your travel insurance at the same time as booking your trip, you will be covered right from the start. That means you can claim on your insurance if you need to cancel your holiday or change your travel plans

  • 2

    Enjoy your holiday!

    While you're abroad, your travel insurance will cover you for the cost of emergency medical fees, lost or stolen belongings, damage to someone's property, holiday cancellations, and more.

  • 3

    Make a claim

    If you ned to make a claim, you should contact your insurance provider as soon as possible. They will ask for details of what happened with supporting evidence. Once the claim is approved, the insurance company will pay the policyholder

  • 4

    End your holiday

    A single trip travel insurance policy is intended for a single trip, so it should end at the same time as your holiday. So, your policy will expire on the date you set when taking out your policy, which should match the date you return home

What's covered?

Not all travel insurance policies are the same, and some can have their cover adjusted by optional add-ons. When it comes to a standard single trip travel insurance policy, however, the following is what you can usually expect to get out of your cover:

  • Tick

    What's covered

    • Medical costs: If you experience a medical emergency while on holiday, your travel insurance will cover the cost of medical fees associated with your treatment and care while you're abroad

    • Lost baggage: If your luggage is lost, damaged, or stolen while you're on holiday, travel insurance will provide you with some compensation to cover the loss and get your holiday back on track

    • Cancellation and curtailment: You can have the cost of your holiday reimbursed if you have to cancel your holiday early for certain reasons, such as a medical emergency or bereavement

    • Travel disruption: Your insurance will cover you for certain disruptions to your holiday, such as poor weather, closure of travel routes, mechanical breakdowns, or industrial action

    • Repatriation: In the event of a medical emergency, you may need to be returned home to the UK for treatment and care. The cost of arranging your repatriation will be covered by travel insurance

  • Cross

    Not covered

    • Pre-existing conditions: A standard travel insurance policy won't normally cover pre-existing conditions. You can, however, get specialist travel insurance for pre-existing conditions

    • Alcohol or drug related incidents: Providers are unlikely to cover you for any accidents that may occur while you are under the influence of drugs or alcohol. They won't pay out for any injuries nor damaged property

    • High-risk activities: Risky activities aren't covered by standard travel insurance. You will need specialist travel insurance to get cover for high-risk sports and winter or water activities and extreme sports will almost never be covered

    • Missed flights: Missed flights are only covered in particular circumstances (if they are covered at all by your policy). If you are found to be at fault for missing your flight, then it's unlikely you'll be compensated

    • Travelling against FCDO advice: You won't receive any type of travel insurance cover if you go against the advice of the FCDO and travel to dangerous countries that they warn not to travel to

Can I get single trip cover with a pre-existing condition?

You can get single trip travel insurance cover with a pre-existing condition, but there are some complications.

You can still purchase standard travel insurance with a pre-existing condition, but your condition will be excluded under your cover. This means that any events or medical costs that relate to your condition will have to be paid out of pocket while on holiday. There is also the issue that some providers may refuse you cover altogether if your condition is particularly serious.

On the other hand, there are specialised travel insurance policies that will cover your previous health conditions. These have minimal or no medical background checks but can also be vee.

first aid kit

Why compare travel insurance with MoneySuperMarket?

At MoneySuperMarket, we’re here to make sure your holiday planning is a breeze. Here’s what you’ll get:

  • Deals tailored to you

    We search through some of the leading insurance providers out there, so you can easily find the cheapest deal that gives you the cover you need.

  • Quick and easy to use

    Simply pop in a few details about where you’re off to next, pick the best deal for you and get insured for your next trip.

  • Highly rated

    Thousands of happy holidaymakers say they’d use our services again* – so why not try it now and see how much you could save?

*Source: Feefo. Users rated MoneySuperMarket Travel Insurance 4.7/5.

What travel insurance extras can I add to a single trip policy?

The number of optional covers you can add to your policy will depend on your provider, but most will have at least one or two available. The following covers are the most common ones offered as an optional extra for a single trip travel insurance policy:

  • Cruise cover

    This special insurance has unique terms for cruise holidays and gives special cover for events such as cabin confinement and unused excursions

  • Gadget cover

    Baggage cover usually has a per-item limit, so gadget cover offers extra protection for valuable electronics so you can quickly replace or repair them

  • Business travel insurance

    This insurance for business travel can include cover for company money, business equipment, and alternative travel if your schedule changes

  • Golf cover

    This special insurance will cover your golf equipment while abroad as well as lost green fees and if you have to cancel your holiday

  • Winter sports

    If you are travelling to a snowy location, this special cover will protect you if you take part in any winter activities, like skiing or sledding

  • Adventure sports cover

    This insurance will give you a extra cover for adventure activities, such as hiking, climbing, or horse riding, protecting both you and your equipment

Angela Dove

Our expert says

"

There is a lot of choice there when it comes to travel insurance - for policy types and providers - which can make it overwhelming to shop for. However, we're here to make it simple. With our comparison tool, you can see all of the different policy options laid out for you to choose from. Then, you can quickly compare the top providers for the policy you want to get the best deal.

"
- Angela Dove, Travel Insurance Expert

Get cover for any destination

Based on your holiday destination, you can take out either a worldwide travel insurance policy or a European policy. These policy types will cover travel to different countries, with worldwide travel insurance covering nearly all countries.

  • Worldwide travel insurance

    Covers almost all countries worldwide. Some providers also give you the option to exclude cover for the USA, Canada, and the Caribbean

  • European travel insurance

    Covers all European countries. Some providers will also cover come non-European destinations, such as Turkey and Egypt

How much is a single trip policy?

The starting price for a single trip travel insurance policy can be as low as £4.37* for short stay, Europe only policy. However, there are a lot of different factors that will affect the cost of travel insurance. Some of these include:

  • Destination

    Your holiday destination will greatly effect the cost of insurance. Travelling to countries where medical treatment is expensive or countries that are especially dangerous will make travel insurance more expensive

  • Your age

    Travel insurance is usually cheaper for younger travellers who are less likely to need medical cover. Older travellers may need to take out special over 70s travel insurance which is more expensive but offers extra medical cover

  • Holiday length

    A longer holiday means needing a longer lasting travel insurance policy, which will cost more. On the other hand, a short stay travel insurance which usually covers a single destination can be very cheap

  • Your health

    If you have a pre-existing health problem, your travel insurance will cost more. Most health conditions will be covered by travel insurance, but in some cases you may need specialist cover, which can be more expensive

*Based on an individual aged 30 taking single trip cover for 3 days to France. Cover starts on 12th September 2022 and ends on 15th September 22. Equivalent to £1.73 per day.

Alternative policy types

If you don't think that a single trip travel insurance policy gives enough cover for your needs, there are other options available. If you plan to travel frequently or spend a lot of time abroad, one of these two travel insurance types might be the better option for you:

  • Long stay travel insurance

    Standard policies usually have a per-trip limit between one to three months. Long stay travel insurance can cover holidays lasting up to as long as 18 months - a great choice for backpackers and travellers working abroad

  • Annual multi-trip travel insurance

    Annual multi-trip travel insurance will cover you for multiple trips abroad per year. If you are a frequent traveller, you can save money buy purchasing a multi-trip policy rather than buying a new single-trip policy every time you go abroad

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How to get your tailored quotes with MoneySuperMarket

  • Tell us about yourself

    Give a few details about you, your travel plans, and what you need cover for.

  • We’ll do the legwork

    We’ll put together a list of travel insurance quotes, so you can pick one that works for you.

  • You’re on your way

    Once you’ve chosen, you can purchase your policy and you’ll be covered for your trip.

Travel insurance isn’t a legal requirement, but it can provide peace of mind for your holiday so you can concentrate on enjoying your trip. This is because travel insurance can offer useful coverage for things like cancelled flights and accommodation from before you even leave the country.

Travel insurance also offers medical treatment coverage, which can be helpful in countries like the USA and Canada where treatment costs can reach the thousands. You’ll even have the option to cover your personal possessions and belongings, so if you lose your phone or passport you’ll be able to claim for any resulting costs.

Without a good travel insurance policy, you’d have to pay out of pocket, which could put a damper on your holiday plans.

Your GHIC card will provide you with reduced cost or free state healthcare in countries within the European Economic Area (EEA), Australia, and Switzerland. So, as long as you stay within the countries included in the scheme, you can get some medical cover while you're on holiday.

However, a GHIC card is not a true replacement for travel insurance. Travel insurance offers more and broader cover for UK travellers, providing protection for belongings, repatriation, cancellations, and more. Since the GHIC only covers a limited number of countries, travel insurance is a valuable protection if your holiday destination is outside of the EU.

A good time to start your travel insurance policy is the day you book your trip, or as soon as possible afterwards. This is because your travel insurance will cover you in case you need to cancel your trip or change your plans due to an emergency.

Annual travel insurance policies aren't initially cheaper than single trip policies. However, if you are a frequent traveller, it can work out cheaper overall to purchase an annual travel insurance policy instead of taking out single trip policies each time you travel.

If you plan to take more than one holiday in one year, it's worthwhile to compare the cost of annual vs single policies to see if you could save some money.

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