Single-Trip Travel Insurance

Unlike annual travel insurance, a single trip travel insurance policy is usually bought to insure a one-off holiday. More and more people are buying annual travel insurance to cover their holidays, but most annual policies limit the number of days you can spend on holiday abroad at any one time. You will need to buy a single trip or a trip travel insurance policy if your holiday is longer than the number of days allowed, which for example can be either 31 or 62 days. Most travel insurance companies will offer single trip cover for longer holidays when you could be travelling abroad for anything up to a year or more.

If you are looking for travel insurance to cover medical problems, you will often find it easier to buy travel insurance for a single trip. This is because the travel insurance company can better assess the risk they face if they only need to consider the actual holiday that the person with medical problems is looking to buy travel insurance to cover.

Single trip travel insurance will often have a higher age limit than annual travel insurance. If you are over 69, you will be limited to the number of policies available so you will have a greater choice of travel insurance cover if you get quotes for single-trip policies first.

Winter sports enthusiasts will sometimes need to buy single trip insurance too because most annual or multi trip travel insurance policies limit the number of days skiing and snowboarding that you can be covered for each year. The limit can often be 17 days per year, so If you are planning a whole season on the slopes or several separate ski and snowboard holidays, you’ll probably need to buy single trip travel insurance for each holiday or trip in order to be fully covered by your winter sports travel insurance.