Travel Insurance Expert and Head of Communications
Last updatedNovember 27 2025
11 min read
Our single trip travel insurance is tailored to your plans, covering anything from a short UK break to an extended trip exploring the world. It’s quick and easy to get a quote and we have no upper age limit.
What is single trip travel insurance, and how does it work?
Our single trip travel insurance is for a one-off trip and can include multiple countries. It’s there to cover you if something goes wrong before or during your trip. Helping with medical care if you have an accident or replacing stolen property, which could leave you facing high costs if you don’t have insurance.
How does our travel insurance for a single trip work?
Packed full of benefits as standard: Our single travel insurance policies include over 100 sports and activities. As well as cover for unexpected cancellation of your trip, medical and hospital expenses and personal belongings. Plus, our 24-hour emergency assistance team is available to call, day or night.
Only pay for the cover that you need: Single trip travel insurance is what most people need for a one-off trip. It covers one holiday, on specific dates and to specific countries, so you’ll only be paying for the cover you need. However, if you’re going away more than once this year, an annual travel insurance policy could save you time and money.
Cover multiple countries on the same trip: As long as you’re visiting them on one trip, you can include multiple countries. Plus, we can cover UK trips too, as long as you have accommodation booked.
Choose the level of cover that’s right for you: Our Budget, Silver, Gold and Black levels offer different amounts of cover and excess. This means there’s an option for you, even if you’re looking for cheap single trip travel insurance.
No upper age limit: We think everyone should have a chance to enjoy a trip away, so we offer travel insurance for single trips, no matter your age.
For trips up to 365 days: Cover a trip of any length from one night to a whole year with a single trip insurance policy.
Plus our annual European holiday insurance even includes some countries outside of Europe! You’ll be covered for countries bordering the Mediterranean Sea, Madeira, the Azores and more. See below for the full list
What’s not covered?
We strive to provide as much cover as possible. However, there are some situations that no travel insurance will cover. For example:
You cannot cover events or reasons to claim that took place before you booked the trip or purchased insurance. Insurance exists to cover unexpected events outside of the insured’s control
Claims which are less than the excess for that section of cover. For example, you cannot claim a £40 lost item if your baggage excess is £60
All of our travel insurance policies include cover for cancellation of your trip, but there may be some exclusions. For example, you won’t be covered to cancel if you simply decide not to go
We will consider all pre-existing medical conditions, find out more about medical travel insurance. The excess and the amount of cover available will vary depending on the level of travel insurance you buy. To check the policy exclusions and what is and isn’t included, take a look at our policy wording.
The best single trip travel insurance for your needs
Looking for the best single trip travel insurance? Whatever you’re planning for your trip, we have a range of cover to suit you:
Extreme sports: Our standard policies already cover over 100 activities. If you’re planning something a little more adventurous, our optional hazardous activity cover is for you.
Cruises: If you’re going on a cruise, you may face problems not seen on other holidays, such as cabin confinement and missed port departures. Our add on cover includes a range of issues you might experience on a cruise.
Business travel: Including replacing essential equipment that’s lost, stolen or damaged. As well as emergency courier expenses to get it to you fast.
Be sure to read our policy wording, to find out more about any of these options.
Choose a cover level to suit your travel needs
Black
Gold
Silver
Medical expenses and repatriation
Unlimited
£15 million
£10 Million
Cancellation and curtailment
£10,000
£7,500
£5,000
Travel delay
Up to £650
Up to £540
Up to £450
Personal belongings
£5,000
£2,500
£2,000
Legal Expenses
£60,000
£50,000
£15,000
Standard Excess
Nil
£50
£60
Which destinations are covered by our single trip travel insurance?
Whether you’re planning an exotic beach holiday in the Caribbean or a tour of Italy’s best eateries, we can cover you:
Freedom to travel anywhere: We can provide single trip travel insurance for all countries, unless the FCDO has advised against all or all-but-essential travel. We can provide some cover if the FCDO advise against travel is only due to Coronavirus, see our page about Coronavirus travel insurance for more details
Trips to multiple countries: Visiting more than one country on a single trip? No problem! Just let us know where you’re going, and we will send you a quote. You can add up to 10 countries when getting a quote online, or contact us if your adventure includes even more destinations
UK trips: Our travel insurance for single trips can include holidays in the UK, as long as you’ve booked overnight accommodation.
Single trip travel insurance with pre-existing medical conditions
We will consider any pre-existing medical condition; just be sure to declare it before purchasing your policy. Our online medical screening process is simple, and we’ll quickly be able to give you a quote. We may be able to include your pre-existing medical condition at no extra cost, but there could be an additional premium.
If you don’t declare your pre-existing condition, you won’t be covered for claims relating to it, should anything happen. For more information, have a look at our pages about travel insurance for medical conditions, including:
Receive your quote, and you can decide to either purchase your insurance policy straight away or save it for later
Our experts say…
“Holidays are the highlight of our year, but sometimes things can go wrong. Buying a single trip travel insurance policy will cover you for those unexpected events. Whether you need medical assistance while away or your belongings are stolen. Our single trip travel insurance policies include cover for over100 sports and activities, as well as a range of other benefits.”
Does my single trip travel insurance cover Covid-19?
Yes, all our travel insurance for single trips covers Covid-19 if;
You have had the first 2 doses of the Coronavirus vaccinations as recommended by the UK NHS, and are up to date with each Coronavirus booster vaccination for which you are eligible, or you were medically unable to have the vaccinations as evidenced by your medical records; and
You are travelling to a country or area where the FCDO/WHO are not advising against all or all but essential travel due to the Coronavirus pandemic.
This means that if you catch Coronavirus, you’ll be covered to cancel your holiday or to receive medical treatment abroad. You’ll also be covered if you, or someone you’re travelling with, is personally instructed to isolate. Read our page about Coronavirus travel insurance for more details.
When should I start my single trip travel insurance?
When buying insurance for a one-off holiday, you should enter the dates you’ll be leaving and returning to the UK. You’ll be covered for unexpected cancellations from the time you pay for your policy, even if the travel dates are months away. This means you are free to look forward to your holiday knowing you’re covered!
Can I get one-day travel insurance?
Single trip travel insurance can cover trips from one night to 365 nights! Providing cover for medical expenses, personal belongings and over 100 sports and activities.
Even if you’re just staying in the UK, travel insurance will cover you as long as you have overnight accommodation booked. Check the policy wording to see the full terms and conditions, including excess, the amount of cover available, and what is and isn’t covered.
Does single trip travel insurance cover cancellation?
All policies include cover for cancellation of your trip under certain circumstances out of your control. There may, however, be some exclusions. For example, you won’t be covered if you just decide you don’t want to go. Likewise, you won’t be covered for cancellation due to something you were aware of before buying your insurance or booking your trip.
Make sure you read the relevant policy wording for full details on what is and is not covered.
Is annual travel insurance cheaper than single trip cover?
If you’re planning on going away more than once this year, an annual multi-trip travel insurance policy could save you time and money. It will cover you for any trips you take within 12 months in a certain region. It will mean you don’t have to take out separate cover for every trip. Plus, it’s often cheaper than taking out two or more single trip travel insurance policies.
Does single trip travel insurance cover multiple countries?
Yes! Let us know your travel dates and the countries you’ll be visiting, and we’ll offer you a range of single-trip travel insurance cover tailored to your plans.
If you’re planning to visit up to 10 countries on one trip, you can get a quote online. If you have more than 10 on your itinerary, give us a call.
Do I need single trip travel insurance if I have a GHIC?
The Global Health Insurance Card (GHIC) entitles the holder to medical treatment at the same price as residents within certain countries. This often means free or reduced costs. However, it won’t cover all medical expenses, such as if you’re transported by private ambulance to a private clinic. It also doesn’t cover repatriation to the UK.
The GHIC doesn’t work in all countries. It also won’t provide cover for cancellation, lost personal belongings or delayed departure, if something else goes wrong. So it’s always advisable to take out adequate travel insurance as well.
Who can buy an InsureandGo single trip travel insurance policy?
All our single trip travel insurance policies are available to UK residents. This means:
Someone who has been living in the UK or the Channel Islands for at least six of the last 12 months
