Single trip travel insurance does exactly what it says on the tin – it provides you with travel insurance cover for just a one-off trip or holiday.
It’s ideal for business travellers who go on one-off trips for a couple of days, or for those travellers who just go on holiday once a year.
There are dozens of travel insurance providers who offer single trip insurance policies; all with varying types of cover available. This guide will tell you exactly what you need to know about what single trip travel insurance is, as well as what you will be covered for.
Depending on how often you travel, will depend whether single trip travel insurance is the best option for you. If you only go on holiday or a business trip once a year, then single trip travel insurance will be much more suitable for you than annual multi-trip insurance, for example.
It essentially covers you for only one single trip abroad, in one destination, for a certain period.
Many insurance providers will enforce time limits of how long a single trip is; some may offer single trip cover for just a couple of days, whereas some providers may class a single trip as a holiday for up to 90 consecutive days. Each insurance provider will also differ in exactly what they’ll cover within a single trip policy.
There are numerous pros and cons to consider when it comes to single trip travel insurance; it all depends on the type of cover you need, where you’re travelling to, how often and for how long.
- Specific and tailored travel insurance for your trip
- Often cheaper than annual multi-trip travel insurance
- Can have a higher upper age limit; meaning older people can take out a policy
- It can sometimes work out as more expensive per individual trip
- You’ll be required to purchase a new travel insurance policy if you travel again
- Offers much shorter-term cover, so not ideal for extended trips
M&S Single Trip Travel Insurance offers a comprehensive Single Trip policy and can be tailored to the cover you and your family are looking for.
Single trip travel insurance policies can offer you cover for a vast range of things; see below for some of the things that you’ll be covered for when you take out a single trip travel insurance policy.
Single trip travel insurance will offer you cover for various medical costs while you’re on holiday. Depending on the status of your health and the medical conditions that you suffer from, you can expect to be covered for the likes of treatment, medical bills and prescriptions in certain places in the world.
With single trip travel insurance, you can be expected to be covered for incidents such as cancellations and delays.
Whether you cancel your trip due to unforeseen circumstances, or you experience delays through no fault of your own, you will be covered for such occurrences with a single trip travel insurance policy.
Another thing that you will be covered for is the loss or theft of your baggage or personal belongings. If your luggage is stolen, or is lost in transit when travelling, your single trip travel insurance policy should allow you to make a claim for your missing possessions.
Some single trip policies will also offer you cover for cash up to a certain amount.
If you’re travelling on a single trip and lose your money that’s in cash (or if it’s stolen), then you’ll be able to make a claim for the missing money.
Oftentimes, there is a set limit of how much cash you can carry with you in order to qualify for making a claim. Each insurance provider will have their own rules and limits when it comes to the maximum amount of cash they’ll cover within a single trip policy.
Single trip travel insurance will simply cover you for one trip, for a certain period. This type of insurance can be a cheaper alternative to annual travel insurance, for example, if you only travel once a year.
Single trip policies are also ideal for the likes of businesspeople who make short trips for work; they won’t require an annual multi-trip policy if they’re only travelling once a year, for a short amount of time.