Single Trip cover explained
What is Single Trip Travel Insurance?
Single Trip Travel Insurance covers one specific holiday, using the destinations and travel dates shown on your policy schedule. It can help protect you against eligible unexpected costs before you leave and while you are away.
It can be suitable for anything from an eligible UK break or European holiday to a cruise or worldwide adventure. Covered2Go offers Silver, Gold and Platinum cover levels, allowing you to choose the benefits and limits that best suit your trip and budget.
Single Trip at a glance
- Cover for one specific holiday
- Trips lasting up to 365 days*
- Available for travellers up to age 99*
- Silver, Gold and Platinum cover levels
- UK, European and worldwide destinations
- Medical screening available for pre-existing conditions
When should you buy your policy?
Consider buying cover as soon as you book your holiday. Your Single Trip policy dates should match the dates you leave and return home, but eligible cancellation cover begins from the date the premium is paid and the policy is issued.
*Maximum age and trip duration are subject to eligibility. Cover limits, terms, conditions and exclusions apply.
What does Single Trip Travel Insurance cover?
Depending on the cover level selected, Single Trip Travel Insurance can help protect you against a range of eligible unexpected events before and during your holiday.
Emergency medical expenses
Up to £10 million for eligible emergency medical treatment abroad, including hospital costs and repatriation to the UK.
Cancellation and curtailment
Up to £10,000 if you need to cancel your holiday or return home early for an insured reason.
Baggage and belongings
Up to £5,000 for eligible personal baggage and belongings that are lost, stolen or damaged during your trip.
Travel delay and missed departure
Benefits for certain lengthy delays and eligible additional costs if you miss your departure or connection.
Personal liability
Up to £2 million if you become legally liable for eligible accidental injury or property damage.
Legal expenses
Up to £25,000 towards certain legal costs arising from an eligible incident during your trip.
Maximum benefits are available on selected cover levels and sub-limits may apply. Please check your quote, policy schedule and Policy Wording for the full cover limits, conditions and exclusions.
Compare our Single Trip cover levels
Choose from Silver, Gold and Platinum cover. The table below compares some of the key maximum benefits available per insured person.
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| Cover benefit | Silver | Gold | Platinum |
|---|---|---|---|
| Cancellation | £2,000 | £5,500 | £10,000 |
| Emergency medical expenses | £5 million | £10 million | £10 million |
| Baggage and personal belongings | £1,500 | £3,000 | £5,000 |
| Travel delay | £25 per 12 hours £150 maximum |
£35 per 12 hours £210 maximum |
£60 per 12 hours £600 maximum |
| Missed departure or connection | £600 | £1,000 | £2,000 |
| Personal liability | £2 million | £2 million | £2 million |
| Legal expenses | £15,000 | £25,000 | £25,000 |
| Policy excess | £75 | £50 | Nil |
This is a summary only and sub-limits may apply. Please check your quote, policy schedule and Policy Wording for the complete benefit limits, terms, conditions and exclusions.
Who is Single Trip Travel Insurance suitable for?
Single Trip cover is designed for people arranging travel insurance for one particular journey. It may be especially useful if you travel occasionally, need cover for a longer holiday or want your policy to reflect the cost and destination of one specific trip. Older travellers can also read our over-65s travel insurance guide for more information about age limits and policy options.
One-off holidays
A straightforward option if you only need travel insurance for one booked holiday.
Longer trips
Single trips can last up to 365 days, subject to the traveller’s age, destination and eligibility.
Older travellers
Single Trip cover is available for travellers up to age 99, subject to eligibility and medical screening where required. If you’re aged 65 or over, you can find more information about travel insurance for over 65s, including age limits, medical screening and available cover options.
Couples, families and groups
Eligible travellers taking the same holiday can be insured together on an appropriate couple, family or group policy. If you’re travelling with friends or another group of adults, Group Travel Insurance can cover up to 14 adult travellers together on the same Single Trip policy, subject to eligibility.
Who can buy Covered2Go travel insurance?
Cover is available to eligible UK residents, including residents of the Channel Islands, with a permanent UK residential address and unrestricted right of entry to the UK. Your trip must start and finish in the UK.
Where can Single Trip Travel Insurance cover me?
Single Trip Travel Insurance can cover eligible holidays in the UK, Europe, Australia and New Zealand, and worldwide. You must select the geographical area that includes every destination on your itinerary, including any relevant stopovers.
UK holidays
Cover may be available for eligible holidays within the UK when your trip meets the requirements shown in the Policy Wording.
European holidays
Suitable for eligible city breaks, beach holidays and touring trips across destinations included within the European geographical area.
Australia and New Zealand
Suitable for eligible trips to Australia, New Zealand or both, without requiring full worldwide cover. Check that any stopovers and additional countries are included within your selected geographical area.
Worldwide excluding the USA, Canada and Caribbean
Designed for eligible trips further afield that do not include the USA, Canada or the Caribbean, such as holidays to Mexico, Thailand, Dubai, Japan or South Africa.
Worldwide including the USA, Canada and Caribbean
Select the appropriate worldwide area if any part of your trip includes the USA, Canada or the Caribbean.
Check your complete itinerary
Make sure the geographical area selected covers every country you intend to visit. There is no cover if you travel against Foreign, Commonwealth & Development Office, government, local authority or medical advice.
Looking for a specific country? Visit our Travel Insurance by Destination guides.
Single Trip Travel Insurance with medical conditions
Cover may be available for a wide range of pre-existing medical conditions following medical screening. Providing complete and accurate information helps ensure that your policy reflects your circumstances before you travel.
Some medical conditions may be covered automatically when the requirements in the Policy Wording are met. Other conditions must be declared and accepted by the Medical Screening Service. An additional medical premium or special terms may apply.
If your health changes between purchasing your policy and starting your trip, you must notify the Medical Screening Service so that your cover can be reassessed.
Read about travel insurance for pre-existing medical conditions
Before you travel
- Answer all medical questions accurately
- Complete any required medical screening
- Check that accepted conditions are covered
- Pay any required additional medical premium
- Report relevant changes in health before departure
Why accurate medical information matters
If a medical condition is not declared and accepted where required, claims connected to that condition may not be covered. Always check your medical endorsement, policy schedule and Policy Wording before travelling.
Optional cover for your Single Trip holiday
Some holidays, sports and work activities require additional protection. Select the relevant option during your quote and check that it appears on your policy schedule before you travel.
Cruise Cover
Add cruise-specific protection for eligible missed port departures, skipped ports, cabin confinement, shore excursions, cruise attire and cruise interruption.
Winter Sports Cover
Select the appropriate cover if you plan to ski, snowboard or take part in another covered winter sport during your holiday.
Golf Cover
Add protection for eligible golf equipment, replacement equipment hire and unused green fees, subject to the cover selected.
Business Travel
Non-manual business travel is included. Additional cover may be available for eligible manual work, business equipment and replacement personnel, depending on the cover selected.
Sports and Activities
Many sports and activities are covered, while some higher-risk activities require an additional premium and must be selected before taking part.
Select the right cover before you travel
Cover only applies where the relevant option or activity level has been selected, any required additional premium has been paid and the cover appears on your policy schedule. Always check the Policy Wording for benefit limits, conditions and exclusions.
How to get Single Trip Travel Insurance
Getting Single Trip cover is straightforward. Tell us about your holiday, compare the available cover levels and check that your chosen policy meets your needs before purchasing.
Tell us about your trip
Enter your destination, travel dates and traveller details, then select any optional protection required for cruises, winter sports or other planned activities. Make sure every destination and relevant stopover is included.
Choose your cover
Compare the benefits and limits available across our Silver, Gold and Platinum cover levels, then choose the option that best meets your needs.
Check and purchase
Complete any required medical screening, review your selected cover and check the policy details before purchasing.
Your cover level, geographical area and any optional protection selected should appear correctly on your policy schedule. Please read the Policy Wording for the complete terms, conditions and exclusions.
Single Trip vs Annual Multi-Trip Travel Insurance
The right type of travel insurance usually depends on how often you expect to travel and the length of each holiday.
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| Feature | Single Trip | Annual Multi-Trip |
|---|---|---|
| Number of holidays | Covers one specific holiday | Covers multiple eligible holidays during a 12-month policy period |
| Maximum age | Up to age 99* | Up to age 85* |
| Trip duration | One trip lasting up to 365 days* | Up to 31 days per trip as standard, with 45 or 60-day extensions available* |
| May be suitable for | Occasional travellers or people taking one longer holiday | People planning several shorter holidays during the year |
*Maximum ages and trip durations are subject to eligibility, policy terms and any additional premium required.
What may not be covered?
Travel insurance does not cover every situation. Cover may not apply in circumstances including the following:
- Travelling against Foreign, Commonwealth & Development Office, government, local authority or medical advice
- Pre-existing medical conditions that have not been declared and accepted where required
- Sports or activities that are not included within the activity level selected
- Cruise, winter sports, golf or other optional benefits that were not selected and shown on your policy schedule
- Claims that do not meet the policy definitions, benefit conditions or evidence requirements
This is not a complete list of exclusions
Please read the Policy Wording and check your policy schedule to understand exactly what is and is not covered.
Why choose Covered2Go?
Covered2Go combines a choice of cover levels with award-recognised policies, support from an experienced UK team and 24-hour emergency medical assistance while you are abroad.
Which? Best Buy status
Silver, Gold and Platinum cover achieved Which? Best Buy status in 2026.
Rated Excellent
Rated Excellent on Trustpilot, with a score of 4.6 out of 5 stars in 2026.
Flexible cover levels
Choose Silver, Gold or Platinum cover to suit your holiday, required benefit limits and budget.
Help when you need it
Support is available from our UK-based team, with 24-hour emergency medical assistance while you are travelling.
Find out more about why travellers choose Covered2Go.
Ready to cover your next holiday?
Get a Single Trip Travel Insurance quote and compare Silver, Gold and Platinum cover for your destination, travel dates and individual needs.
Want to check the cover first? View our Policy Wordings.
Cover limits, terms, conditions and exclusions apply. Please check that the policy meets your needs before purchasing.
