Travel insurance for a one-off trip

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travel insurance and coronavirus

When buying travel insurance, check if the policy offers cancellation cover that covers coronavirus risks if you fall ill or need to isolate before you travel. You should also have cover in case you fall ill (including COVID) while you are away. If you are not sure whether protection is provided, read the policy document and check the level of cover with the insurer.

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Travel insurance should always be an essential part of your vacation planning. Not only can this help cover the cost of expensive medical bills if you need hospital treatment while you’re away, but you’ll also be protected in case you have to cancel your trip, whether it’s because of redundancies or be due to illness.

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A single travel policy will cover you for a one-time trip, as opposed to an annual (multi-trip) policy that covers multiple trips over the course of 12 months. When choosing between single trip policies, you need to consider factors like price and ‘extra’ – a set amount you will have to pay for each claim.

If you don’t want to pay extra to worry about, you should check if the insurer offers an ‘extra discount’ in return for paying the extra premium.

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You will also need to ensure that you choose a policy with an adequate level of cover in critical areas. money helper Covers of at least £2 million for medical treatment and the cost of getting you home if you fall ill abroad, £2,000 for trip cancellations due to an emergency, and for lost or stolen luggage and baggage Suggests £1,500.

We have taken all these things into consideration to find you (July 2022The best five single travel policies currently available.


Best Single Trip Travel Insurance Policy


1. CoverForYou Standard – 5/5 Stars

[Best for a family, a couple and a single person]

cover for you

7-day family trip to Spain Price: Solo traveler: £12.03 | One pair: £19.65 | Two adults and two teens: £31.78

Cancellation cover: £3,000

Extra: £50

why we chose it

Top of the list for solo travellers, couples or families, the robust levels of cover are balanced with reasonable prices and little extras, should you claim.

Up to £3,000 for cancellation or reduction of your trip, and up to £2,000 for lost or stolen baggage and baggage for each person.

An additional £50, the lowest we found, is applied to eligible claims. You have the option to waive it by paying additional premium.

professionals

  • Good level cover for cancellation and baggage and baggage
  • £3,000 ‘Last Supplier’ failure cover
  • Less than £50 extra per person charged per claim

Shortcoming

  • Gadget cover costs extra
  • cheap cover cover

2. Traveltime PremierPlus – 4.5/5 Stars

travel time

Cost of a 7-day family trip to Spain: £28.39

Cancellation cover: £4,000

Extra: £99

why we chose it

For a competitive £28, there is a substantial £4,000 in cancellation cover per person.

Each person is covered for up to £2,000 for lost or stolen goods and baggage cover.

While the £99 extra payable per person on each claim is relatively high, there is an option to waive it by paying the additional premium.

professionals

  • High level of cancellation cover
  • £4 million personal liability cover
  • £500 personal wealth cover
  • £400 travel delay cover

Shortcoming

  • £99 per person charged per claim
  • No ‘final supplier’ failure cover
  • Gadget cover costs extra

3. Explorer Travel Insurance Single Trip – Platinum – 4.5/5 Star

explorer travel insurance

Price for a 7-day family trip to Spain: £33.31

Cancellation cover: £5,000

Extra: £75

why we chose it

Offers £5,000 per person in cancellation cover – the highest level of all the policies listed.

For lost or stolen goods, there is £2,000 per person.

You can choose to pay an additional premium to waive the additional £75 per person.

professionals

  • £5,000 cancellation cover
  • £25,000 personal accident cover
  • £500 personal wealth cover

Shortcoming

  • £75 extra charged per person per claim
  • Gadget cover costs extra
  • No ‘final supplier’ failure cover

4. Post Office Money Extra – 4/5 Star

post office money

Price for a 7-day family trip to Spain: £25.97

Cancellation cover: £3,000

Extra: £125

why we chose it

For a market-competitive price of just under £26, each person can claim up to £3,000 for trip cancellation.

Up to £2,000 per person for lost or stolen goods and baggage.

You can offer an additional £125 per person discount on eligible claims by paying an additional premium.

professionals

  • Good level cover for cancellation and baggage and baggage

Shortcoming

  • £125 extra levied per person per policy claim
  • Gadget cover costs extra
  • No ‘final supplier’ failure cover

5. Cedar Tree Classic Plus Single Trip – 4/5 Stars

Cedar tree

Price for a 7-day family trip to Spain: £30.31

Cancellation cover: £2,000

Extra: £95

why we chose it

Offers £750 per person in lost or stolen gadget cover.

There is also £2,000 for cancellation or deduction, and £1,500 for lost or stolen goods and baggage.

You can waive the additional £95 per person charged on eligible claims by paying an additional premium.

professionals

  • £750 Gadget Cover
  • Cancellation and cover required level of baggage and baggage

Shortcoming

  • No ‘final supplier’ failure cover
  • £95 extra charged per person per claim

methodology

Using our travel insurance travel, powered by CYTI, we surveyed a family of two adults aged 38 and 42 and two children aged 12 and 14, a couple aged 38 and 42 and a couple aged 42 years. Run quotes for one person traveling to Spain for seven days.

We assumed that none of the passengers had any pre-existing medical conditions.

We’ve rounded up the top five cheapest providers with the most competitively-priced policies that include at least £2 million for medical treatment and repatriation, £2,000 for trip cancellations and £1,500 for lost or stolen luggage and baggage .

Up to five points for each policy value and up to five points for more wins, plus an additional five points if it offers an additional discount.

We then converted each policy’s total score to a rating out of five.

What is single trip travel insurance and who is it for?

Single-trip travel insurance is designed for those planning a one-time vacation and typically lasts around 30 days, although some policies will extend as long as 60 or 90 days.

It’s best suited for those taking one or two vacations a year – and usually proves to be the most cost-effective. But remember, you’ll need a separate policy for each trip.

If you plan to go more than twice a year, an annual cover would be more appropriate, although it pays to compare your options carefully.

If you are over 75 years of age, then single travel travel insurance is also usually the best option as many travel insurers will not offer annual cover to people in this age group.

What should be covered in my policy?

A ‘good’ single trip travel insurance policy will cover the following as standard:

  • medical expenses: covering medical bills if you need treatment abroad
  • personal liability: In the event that you injure someone or damage their property while away
  • Cancellations and Deductions: In case you have to cancel or reduce your leave due to illness, redundancy or bereavement
  • missed departure: If you miss your flight, ferry or train through no fault of your own
  • Luggage and personal belongings: In case your item is lost, damaged or stolen (always check the ‘Single Item Limit’ on your policy as items worth more than this amount must be covered separately).

If you want a more comprehensive travel insurance policy, you can usually add a number of optional additional features, such as:

  • Final supplier failure and/or scheduled airline failure: Providing financial security in case your hotel, travel company or airline goes into administration. If you’re not traveling as part of an ATOL Protected Package Vacation, it’s worth adding
  • legal expenses: Covering legal fees if a claim is made against you for an incident that was not your fault
  • Natural Calamity and Terrorism Cover: If you have to make a claim because of a natural disaster such as a volcanic eruption, or a terrorist attack
  • Sports and Activities Covered: If you are participating in high-risk or winter sports, such as specialist cover. skydiving or snowboarding.

Whether you need this additional cover will depend partly on the type of vacation you have planned and whether you will participate in extreme activities, as well as how much you will spend on your travel insurance policy. want.

You may find that some policies automatically include a higher level of cover as standard, while others will require you to pay extra. To make sure you’re getting the right level of cover at the best price, take the time to run several comparisons.

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Are there any exclusions?

When comparing policies, you need to carefully examine the small print to see what is not covered. a. specific exclusions within travel insurance The policy is as follows:

  • Medical treatment for pre-existing conditions
  • Claims due to drug or alcohol-related incidents
  • The Foreign and Commonwealth and Development Office (FCDO) has advised against claims arising from visiting a country
  • Claims that result from not taking proper care of your property, for example if your bag is stolen after it is stolen
  • Claims related to not having the correct vaccinations for your leave.

Will my single trip travel insurance cover me for COVID-19?

Whether you will be covered for COVID-19 or not will depend on the policy.

Some travel insurers will only provide cover for medical expenses if you fall ill with the virus while you are away, while others will also include cancellation cover if you are unable to go on vacation as a result of contracting the virus or self-isolating.

Always check before buying and if it’s not clear, call the insurer to discuss.

Can I travel single trip?

Credit: www.standard.co.uk /

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