Single Trip Travel Insurance

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About This Guide – This page explains what single trip travel insurance includes, who it’s suitable for, what it covers, optional extras you may want to consider, and example prices to help you choose the right level of cover for your trip.

Single Trip Travel Insurance – Compare Cover & Get a Quote

Planning a holiday – whether it’s a weekend city break, a beach escape, or an adventure abroad – is exciting. But unexpected issues like cancellations, illness, delayed flights or lost belongings can quickly disrupt your plans. That’s why having single trip travel insurance in place from the moment you book is so important.

A single trip policy provides protection for a specific journey, supporting you before and during your trip should something unexpected happen.

What is single trip travel insurance?

Single trip travel insurance (sometimes called single trip holiday insurance or one-trip travel cover) protects you for one defined trip, from your chosen start date until the day you return home.

It may be suitable if:

  • You take one main holiday a year

  • You want cover tailored around a specific destination and trip length

  • You prefer not to take out an annual multi-trip policy

If you’re unsure whether single trip or annual multi-trip cover is right for you, you may find our guide helpful:

👉 Do I really need travel insurance?

Why do you need single trip travel insurance?

Even short trips can run into problems. Single trip cover can help if:

  • You need to cancel your holiday for an insured reason

  • You fall ill or are injured abroad and need medical treatment

  • Your luggage or personal items are lost, stolen or damaged

  • Your flights are delayed or cancelled

  • You accidentally injure someone or damage property

Travel insurance is as important as your passport and tickets. It helps protect the money you’ve spent and supports you if things don’t go to plan.

What’s included in our single-trip travel insurance?

Our single trip policies typically include:

✔ European & Worldwide cover

Choose cover for Europe, or Worldwide if you’re travelling further afield.

✔ Emergency medical expenses

Cover between £5 million and £10 million per person, depending on your chosen level of cover.

✔ Travel for up to 365 days

Ideal for longer trips, backpacking routes or extended stays.
(For very long trips, you may also want to look at longstay travel insurance.)

✔ Personal possessions cover

Protection for your belongings, with cover limits typically ranging from £1,500 to £5,000 per person.

✔ 24/7 emergency medical assistance

Access to help and advice whenever and wherever you need it.

✔ Maximum age up to 99

Travel confidently at almost any age, subject to eligibility and medical screening.

Cover limits, terms, conditions and exclusions apply. Please see our Policy Wording for full details. 

Optional add-ons for single trip travel insurance

You can tailor your single trip cover with a range of optional extras:

  • Cruise Cover – protection for cruise-specific risks such as missed port departures, itinerary changes and cabin confinement.
    👉 Cruise travel insurance

  • Winter Sports Cover – ideal if you’re going skiing or snowboarding, including cover for equipment, ski packs and piste closure.
    👉 Winter sports insurance

  • Golf Cover – extra protection for golf clubs, equipment and pre-paid green fees.
    👉 Golf travel insurance

  • Business Travel Cover – cover for business equipment, documents and replacement personnel.
    👉 Business travel insurance

  • Sports & Activities Cover – from hiking and scuba diving to more adventurous sports.
    👉 Sports & activities cover

If you’re planning specific activities, always check they’re included or add the relevant cover.

Who is single trip travel insurance best for?

Single trip travel insurance is a great option for:

  • Holidaymakers: Families, couples, solo travellers and groups heading away once or twice a year.
  • Weekend breaks & short stays: Even short trips can go wrong. Single trip cover is ideal for city breaks and long weekends.
  • Longer adventures: Our policies can cover trips up to 365 days, making them suitable for extended travel or backpacking. For even longer trips, you may prefer longstay travel insurance.
  • Adventure travellers: If your trip includes adventure sports, you can add sports & activities cover for extra reassurance.

What does single trip travel insurance cover?

When comparing single trip travel insurance, it’s important to look at what’s included:

  • Trip cancellation & curtailment
    If you need to cancel or cut your holiday short due to an insured reason, such as illness, injury or certain unexpected events.

  • Medical expenses & repatriation
    Cover for emergency medical treatment abroad, including hospital stays, tests and bringing you home if medically necessary.

  • Lost, stolen or damaged luggage
    Cover for your luggage and personal belongings if they’re lost, stolen or damaged during your trip.

  • Missed or delayed flights
    Contribution towards additional travel and accommodation costs if your flight is significantly delayed, cancelled, or you miss a connection for an insured reason.

  • Theft of money or valuables
    Cover for lost or stolen cash, passports, travel documents and valuables, within policy limits.

  • Business Cover (if selected)
    Protection for business equipment, documents and replacement personnel costs if you’re travelling for work.

  • Winter Sports Cover (if selected)
    Extra protection for skiing or snowboarding holidays, including ski equipment, piste closure and ski pack benefits.

  • Cruise Cover (if selected)
    Protection against cruise-specific risks such as missed port departures, itinerary changes and cabin confinement.

  • Personal liability
    Cover for legal costs and damages if you accidentally cause injury to another person or damage to their property.

Full details, limits and exclusions can be found in our Policy Wording.

Single trip vs annual multi-trip travel insurance

If you’re only planning one holiday, single trip travel insurance may be the best option.

If you’re planning several trips in a year, an annual policy might work out more cost-effective.
You can compare your options here:

👉 Annual multi-trip travel insurance

At-a-glance – single trip travel insurance cover

FeatureIncluded?Cover
Emergency medical expensesYes£5m-£10m per person
Trip cancellationYesUp to £10,000 per person
Baggage & personal possessionsYesUp to £5,000 per person
Trip durationYesUp to 365 days
24/7 emergency assistanceYesIncluded
Cruise coverOptionalAdd-on
Winter sports coverOptionalAdd-on
Business coverOptionalAdd-on
Golf coverOptionalAdd-on

Please refer to your quote and Policy Wording for exact cover limits.

How to choose the right single trip policy

Before you buy single trip travel insurance, think about:

  • Destination – Are you travelling within Europe or Worldwide? Some destinations have higher healthcare costs.

  • Trip duration – Policies can cover anything from a few days to up to 365 days.

  • Total holiday cost – Your cancellation cover should at least match the total value of your trip.

  • Personal belongings – Check the limits if you’re travelling with expensive items.

  • Planned activities – Make sure any higher-risk sports (e.g. skiing, diving) are included.

If you have pre-existing medical conditions, make sure you disclose them and complete any required medical screening:

👉 Pre-existing medical conditions cover

Single Trip Travel Insurance Pricing Examples

The prices below are illustrative premiums based on one adult aged 18–49. They show how costs can vary between Silver, Gold and Platinum cover levels for a 7-day trip to Europe and a 14-day Worldwide holiday. Your actual premium will depend on your age, destination, trip duration and individual circumstances.

Single Trip – Europe (7-Day Trip, Aged 18–49)

Cover LevelPrice (inc. IPT)
Silver£13.01
Gold£18.57
Platinum£32.08

Single Trip – Worldwide (14-Day Trip, Aged 18–49)

Cover LevelPrice (inc. IPT)
Silver£39.60
Gold£61.52
Platinum£107.35

Prices are examples only and based on the profile above. Actual premiums will vary depending on your trip details and personal circumstances.

Compare our cover levels or get a single trip travel insurance quote.

Get a quote for single trip travel insurance

Getting a quote is quick and easy. Simply tell us:

  • Where you’re going

  • When you’re travelling

  • Who’s going with you

  • Any additional cover you’d like to add

👉 Get a single trip travel insurance quote

Don’t leave your trip to chance – arrange your single trip travel insurance today and travel with confidence from the moment you book.

FAQs – single trip travel insurance

What is single trip travel insurance?
Single trip travel insurance is a policy that covers one specific holiday or trip, from your chosen start date until the day you return home.

Is single trip travel insurance cheaper than annual cover?
If you’re only taking one trip in a year, single trip cover is often more suitable. If you plan multiple trips, an annual multi-trip policy may offer better value overall.

Does single trip travel insurance cover medical costs abroad?
Yes, our policies include emergency medical expenses and repatriation, up to the limits shown in your Policy Wording.

How long can a single trip travel insurance policy last?
Our single trip policies can cover trips of up to 365 days, depending on your age and destination.

Can I get single trip travel insurance with pre-existing medical conditions?
Yes, you can usually get cover if you declare your conditions and complete our medical screening process. Additional premiums may apply.

Do I need single trip travel insurance for Europe?
Yes. Even if you have a GHIC/EHIC, you should still have travel insurance to cover cancellation, repatriation, baggage and other non-medical costs.

Can I add extras like cruise or winter sports to my single trip policy?
Yes. You can add options such as cruise cover, winter sports, golf, business and activities cover to your single trip policy when you get a quote.

Essential Travel Resources for UK Holidaymakers Booking a Single Trip Holiday

Travel Advice & Requirements

  • UK Foreign Travel Advice – Get up-to-date information on visa requirements, travel restrictions, and safety tips for your destination.
  • NHS Fit for Travel – Find health advice, vaccinations, and travel health recommendations.
  • U.S. ESTA Application – If travelling to the USA, apply for your ESTA visa waiver online.

Cover limits, terms, conditions and exclusions apply. Please read the Policy Wording carefully to ensure the cover meets your needs.

Page last updated: December 2025

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Single Trip Travel Insurance FAQs

Single Trip Travel Insurance is ideal for those going on a one-off holiday. If you plan to travel more than once, you may be better off with an annual policy, rather than organising separate single trip policies every time you travel. Single Trip Travel Insurance can cover you and those travelling with you, for up to 365 days a year. If you are organising travel insurance for anyone else in your travelling party, ensure to add them to your policy by choosing either, a couple’s policy, a family policy or a group policy.

If you are thinking about purchasing a Single Trip Travel Insurance policy, you may need cover for taking part in extra activities. Winter Sports Cover is important to add to your policy if you are going skiing or snowboarding, as it will provide additional benefits, including cover if your ski equipment is lost or damaged. Similarly, with Cruise Cover, it is essential to add to your policy if you are going on a cruise for cover to be provided, this also provides additional cover benefits, such as missed port departure and cabin confinement.

We provide cover for many Sports and Activities, such as, water skiing, trekking and zip lining. Over 90 sports and activities are covered as standard, and for an additional premium, we can cover those that are a little more hazardous!

Yes, our single trip travel insurance policy provides cover if your trip is cancelled or cut short in certain circumstances. This may include cancellations or curtailments due to unforeseen circumstances. Full details of what is and isn’t covered can be found in the Policy Wording.

With Single Trip Travel Insurance, you would be covered for medical expenses, cancellation, and loss of personal possessions. However, the amounts you are covered for and the specifics of what these benefits entail will depend on the level of cover you take out. Our levels of cover available are Silver, Gold and Platinum. You can review all our policy documents to find out which one would be most suited to your needs.

Covered2Go offers three levels of travel insurance. These are Silver, Gold and Platinum. With our Platinum policy, there’s a Nil Excess, and Cancellation Cover up to £10,000 per person.

If you only travel occasionally, perhaps once or twice a year, a Single Trip Travel Insurance policy may be the best option for you. This type of policy can also provide cover for longer trips, lasting up to 365 days, subject to terms and conditions.

However, if you’re likely to take multiple trips within a year, Covered2Go Annual Multi-Trip Travel Insurance could be a more cost-effective and convenient way to stay covered.

Yes, we can amend travel dates up to 2 years from the issue date of your policy, provided you have not travelled, not made any claims, and have no circumstances which may lead to any claims.

You should purchase your policy as soon as possible for cover to be provided. When obtaining a quotation, please tell us the date you are leaving the United Kingdom. The start date and end date of the policy should correspond with the dates of travel. Cancellation cover will become effective the date the premium is paid, and the policy is issued.

We are confident that our medical screening quotation system will provide cover in most circumstances, with decisions being instantaneous. Simply get a quote or contact us to discuss further.

If we cannot cover your condition, GoodToGo Insurance may be able to help you. We are pleased to have partnered with GoodToGo Insurance, who are on the list of serious medical specialist providers presented on the medical directory by MaPS.

GoodToGo’s policies are designed for people travelling with all types of pre-existing medical conditions up to a high level of severity and sometimes even a terminal prognosis. You can call us on 0333 400 7745 or visit our Covered2Go/GoodToGo partnership website for more information.

If Covered2Go and/or GoodToGo are unable to cover your condition, then you have free and unrestricted access to a pool of specialist travel insurance providers on the directory provided by the Money and Pensions Service (MaPS).

MaPS was established at the beginning of 2019 and engages with HM Treasury on policy matters relating to financial capability and debt advice.

The MaPS travel insurance directory has been created for travellers who have potentially been refused cover or received a high additional premium in connection with their medical conditions, which provides them with access to consider alternative providers.

How can I access the MaPS Directory?

  • By Phone – call 0800 138 7777 (Monday – Friday 8am to 6pm)
  • Online – you can visit the online travel insurance MaPS directory for a full list of participating travel insurance brands by clicking here.
  • By Email – simply contact traveldirectory@maps.org.uk.