Single trip travel insurance

Compare cover for one-off trips from as little as £4.26*

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  • Cost-effective if you only need insurance for one trip

  • Covers holiday cancellations, luggage, emergency medical treatment and more

  • Compare up to 43 travel insurance companies1

*The cheapest single trip policy based on 1 adult aged 30, with no previous medical conditions travelling in Spain for 1 week. Confused.com data, May 2024.

1Correct as of March 2024

We compare quotes from up to 43 travel insurance companies1 to find you our best deals

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What is single-trip travel insurance?

Single-trip insurance is a policy for one trip. It covers you from when you buy your policy until you return from your trip.

Why choose single-trip travel insurance?

Single-trip travel insurance covers one trip against cancellations, medical costs and lost or stolen personal belongings.

If you're planning a holiday and you know you're unlikely to go on any other trips in the year, a single-trip insurance policy might be a good option for you.

You can get single-trip travel insurance to cover your family or the group you're travelling with. Or, you can buy an individual policy. You can also choose from a European travel insurance policy, or a worldwide policy.

It's possible to travel to multiple countries on a single-trip insurance policy, as long as they're within the region covered by your insurance. But check your policy details to make sure.

How long can I travel with single-trip travel insurance?

The length of time you're covered for depends on the provider. It's common to find policies and providers that offer cover for up to 30, 60, 90, 120 or more days. But it's important to check your policy documents to make sure your entire trip is covered.

If you're going on more than one trip in a 12-month period, an annual insurance policy might be a better option. It could be more convenient and cheaper than getting a separate single-trip insurance policy for each trip you go on.

What does single-trip travel insurance cover?

What it usually covers:

  • Holiday cancellation cover: You’re protected if you can’t travel due to illness, emergencies or a change in Foreign, Commonwealth & Development Office (FCDO) advice for your destination.
  • Luggage and personal possessions cover: This protects against the theft, loss or accidental damage of your belongings during your trip.
  • Emergency medical treatment: This covers the cost of emergency medical treatment while you’re on holiday.
  • Emergency repatriation: This covers return travel to the UK if injury or illness means you need to return early.
  • Travel disruption: This covers you if you can't travel because of bad weather, strikes or mechanical issues.

What it usually doesn't cover:

  • Pre-existing medical conditions: If you don't declare a pre-existing medical conditon and you need treatment, you might not be able to make a claim.
  • Travelling against FCDO advice: For example, if they have advised against travel to a certain country or region.
  • Skiing or extreme sports: High-risk activities, like rock climbing, usually aren't covered as standard, but you can add specialised cover like adventure travel insurance.
  • Natural disasters and terrorism: These may not be covered, so check the policy wording or contact your insurer if you’re unsure.
  • Alcohol or drugs: If illness, injury or death occurs as a result of alcohol or drug use.
  • Malicious or illegal behaviour: For example, breaking the law.

Optional extras to enhance your single-trip travel insurance

To get the best single trip travel insurance for your needs, you might need extra cover. This will depend on the type of holiday you're planning and who you get your insurance with. 

Any additional cover you add to your policy increases the price, so only add the cover you need.

Skiing travel icon

Winter sports cover

Standard travel insurance doesn't normally cover this as there are additional risks involved, but some insurers offer it as additional cover.

Travel cruise icon

Cruise cover

This covers cabin confinement, missed ports, unused excursions and emergency airlift to hospital if needed.

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Gadget cover

You can get cover towards the cost of replacing your laptop, phone and other gadgets. This is if they're lost, stolen or damaged during your trip.

Travel business icon

Business cover

If you're travelling for business purposes, you might be carrying company equipment like a laptop or business phone. Business travel insurance covers these items.

What are the benefits of single-trip travel insurance compared to an annual policy?

Annual multi-trip policies can be better value for money for frequent travellers. But there are some situations where single trip insurance might be a better option:

  • You don’t travel often: If you take one trip a year, it's often cheaper to buy a single trip insurance policy than a multi-trip policy.
  • You can tailor single trip insurance to the trip you’re taking: You can choose the destination for your cover as you know exactly where you're going. With an annual policy, you'd need to choose from regional or worldwide cover for the whole year, so it might end up being more expensive.
  • It can work better for older travellers: Annual insurance products often exclude people over the age of 75 because of their increased risk.

Travelling with a pre-existing medical condition

A pre-existing medical condition is an illness or condition you know about before you buy your travel insurance policy. You need to tell your insurer about any health issues to make sure they can cover you. 

If you don’t and need to make a claim, there’s a risk it could be rejected. If in doubt, get in touch with the insurer before buying. These conditions could include:

  • High blood pressure
  • Diabetes
  • Cancer
  • Stroke
  • Heart conditions
  • Respiratory conditions
  • Terminal illnesses

If you have a pre-existing medical condition, some insurers might offer insurance at a higher price. But you can still use our site to get a quote.  

If you can’t find suitable cover, the Money and Pensions Service (MaPS) has a directory of insurers who cover customers with pre-existing medical conditions. This is through their brand MoneyHelper.

You can also phone MaPS for free impartial advice on 0800 138 7777.

How much does single-trip travel insurance cost?

You can get single trip travel insurance from just £4.263 if you don’t have any pre-existing medical conditions, and from £7.334 if you do. 

Here's how much you might pay for a 1-week policy covering a trip to different regions:

Destination Average price for a 1 week policy3
Europe
£4.26
Worldwide, excluding the USA, Canada, Mexico and the Caribbean
£5.14
Worldwide, including the USA, Canada, Mexico and the Caribbean
£18.65
UK
£4.29

What affects the price of travel insurance?

  • How long you're away for. The longer you're away, the higher your risk of needing to claim on your insurance.
  • Where you're going. Some countries, like the USA, have much higher medical costs. So, travelling to one of these places normally means you pay more for cover.
  • What level of cover you need. The more comprehensive your cover, the more it typically costs.
  • The age of those travelling. Travel insurance is normally more expensive for older travellers. This is because they're at higher risk of injury or illness.
  • If any travellers have pre-existing medical conditions. These raise the chance of requiring treatment while away, which increase the chances of needing to make a claim.

3The cheapest single-trip policy based on 1 adult aged 30, with no pre-existing medical conditions travelling for 1 week. Based on Confused.com data, May 2024.
4The cheapest single-trip policy based on 1 adult aged 30, declaring anxiety as a pre-existing medical condition, travelling in Spain for 1 week. Based on Confused.com data, May 2024.

How do I compare single-trip travel insurance quotes?

To get the best single trip travel insurance for your needs, you might need extra cover. This will depend on the type of holiday you're planning and who you get your insurance with. 

Any additional cover you add to your policy increases the price, so only add the cover you need.

Number 1 icon

Tell us about your trip

We need to know a few details about your trip, including where you're going and how long you're going for.

Number 2 icon

Tell us a bit about you

We need to know your age and details of any pre-existing medical conditions you have.

Number 3 icon

Compare quotes

We'll show you a list of quotes from up to 431 travel insurance providers. Compare prices and policy details and choose the one that's most suitable for you.

What our travel insurance expert says

"It’s best to consider buying your single trip insurance policy as soon as possible after booking your holiday. That way you’re covered if something happens in the lead-up and you need to cancel your trip. Don’t leave it too late to buy – you can’t claim for any events that happen before you buy your policy."

Alvaro Iturmendi - Confused.com travel insurance expert
Travel insurance expert Confused.com logo

Compare single trip travel insurance quotes

How can I get cheaper single trip travel insurance?

Here are some easy ways you could get cheaper single trip travel insurance:

  • Don’t wait to buy your single trip insurance as you may find the cost goes up. Buying travel insurance when you book your trip means you’re covered for cancellations leading up to your trip.
  • Choose a higher excess if you can. This is the amount you'll pay towards any claim, so make sure you can afford to pay it if something goes wrong.
  • Compare quotes from a range of insurers to help you get the best deal on single trip insurance for your circumstances.

Do I need travel insurance if I have a European Health Insurance Card (EHIC)?

Yes. The EHIC and its replacement, the Global Health Insurance Card (GHIC), are recommended for travelling abroad. But it's important to note that the EHIC and GHIC aren't replacements for travel insurance.

Both cards can be used to access state healthcare in the European Union (EU) for the same price as citizens of that country would pay. 

So, in some cases you might be able to get treatment for free. If you have the GHIC, this also includes specific countries outside of the EU. But, if you're travelling somewhere that doesn't have free healthcare, you're expected to pay for any treatment you receive. Travel insurance can cover these costs, as well as many other things that aren't covered by these cards.

Why compare single-trip travel insurance with Confused.com?

Compare quotes from up to 431 insurers

  • We work closely with our panel of trusted UK travel insurers to get you our best deals.

We're 100% independent

  • This means we're not owned by any insurance company. So the prices you see are our best available based on your information, not who they're from.

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UK-based customer support

  • If you need help, visit our contact page to get in touch with our support team in Cardiff.

Frequently asked questions

When should I buy travel insurance?

It's best to consider buying travel insurance as soon as you've booked your trip, whether it's abroad or in the UK.

If you need to cancel your trip due to illness, for example, you could claim under the cancellation cover on your policy.

But if you leave it too late, you could risk having to cancel your holiday without having cover for these kinds of circumstances in place. At the very least, you should consider buying your travel insurance before the day of your departure.

Can I travel for more than 31 days with single trip insurance?

Some insurers offer single trip policies that cover 30, 60 or even 90 days. But, you should check your policy details to make sure you're covered.

If you're planning to take a trip lasting between 1 and 12 months, you might need backpackers travel insurance or long stay travel insurance.This is important if you're visiting multiple countries, as some single trip insurance policies only cover one destination during a single trip.

What are the different types of travel insurance?

Page last reviewed: 07 May 2024

Reviewed by: Alvaro Iturmendi

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