Single Trip Travel Insurance

Cover for a single trip abroad, alone, in a group or with family.

If you don't go away on business, and take just one holiday a year, then single trip travel insurance is for you.

It's perfect for a fortnight's holiday in the Canaries or for a day-trip to Germany or Prague's Christmas Markets

Single trip travel insurance inclusions

Single trip travel insurance should be just as comprehensive as any other type of cover and must include -

• Cancellation & Curtailment
• Emergency Medical & Repatriation
• Personal Possessions
• Personal Money
• Personal Accident
• Missed Departure
• Departure Delay
• Personal Liability
• Hijack/Mugging
• Legal Expenses

Make sure the policy meets your needs

If you're taking expensive jewellery with you then you need to up the cover for personal possessions especially if you don't have household contents insurance.

Speak directly to the insurer about it (not the travel agent, if that's where you bought the policy).

Reduction for Cheaper Insurance

Some travel insurance policies automatically include skiing or winter sports insurance - and if you need that, fine.

If not, query it with the insurer - you may prefer a reduction in the excess you need to pay if, say, your Gucci bags go missing.

If you are going skiing, make sure you're fully insured for the risks.

Here, cover for medical expenses is a must, as is cover for personal liability and legal expenses.

Worst Case Scenario

Of all the holidays you could go on, insurance cover is a must-have for skiing breaks.

Imagine the worst-case scenario.

There you are doing your thang on the slopes when all of a sudden your ski comes loose.

What if it badly injures another skier and they sue you...?

You also need to check the maximum number of days you're allowed under your single trip insurance policy.

If your visit's longer than 90 days, it's unlikely a single trip travel insurance policy will cover you for that length of time.

Different insurance providers set different limits on the length of stay.

Instead, investigate long stay or student/backpacker insurance.