Single Trip Travel Insurance

Single-trip travel insurance covers you for **one specific trip** from the UK (or Channel Islands / Isle of Man) where you buy a policy with defined outward and return dates. It’s ideal if you're only travelling once in a year and want protection for that one journey rather than an annual multi-trip plan.

Cover usually begins from the date you select (or the date you leave) and ends when you return home. Some insurers activate cancellation cover as soon as you buy the policy, but others require the trip to start. Always check the policy wording. :contentReference[oaicite:0]{index=0}

The maximum trip length varies by age, insurer and destination. For example, some UK policies allow up to 365 days for younger travellers, but shorter durations for older age brackets. :contentReference[oaicite:1]{index=1}

Common cover includes: emergency medical expenses and repatriation, trip cancellation or curtailment, lost/stolen/delayed baggage, missed departure or delays, personal liability and travel legal costs. Optional extras may include winter sports, gadget cover or cruises. :contentReference[oaicite:2]{index=2}

The price depends on your age, destination, trip duration, cover level, and whether you have pre-existing medical conditions. If you convert your search to quotes you’ll find widely differing premiums. It’s important to compare to get the best value. :contentReference[oaicite:3]{index=3}

Some insurers include cover for declared pre-existing medical conditions if you answer health questions truthfully. Undeclared conditions may invalidate your cover. Always check what is acceptable to your provider. :contentReference[oaicite:4]{index=4}

Yes — but you may need to pay extra. Activities like winter sports, scuba diving, off-piste skiing or cruises often need optional cover or higher premium. Always declare your activities when buying your single-trip insurance. :contentReference[oaicite:5]{index=5}

If you need to cancel before departure or curtail (cut short) your trip due to a covered reason (e.g., illness, jury service, natural disaster), your policy may refund unused travel/accommodation costs or pay for your return journey. Always review exclusions carefully. :contentReference[oaicite:6]{index=6}

Many single-trip policies do allow travel to multiple destinations within one journey, as long as all destinations are declared at quote stage and the time abroad does not exceed the maximum trip length. :contentReference[oaicite:7]{index=7}

Some insurers allow you to extend your single-trip policy while travelling, but only if you contact them prior to your original return date and it's agreed in writing. Failure to follow this may void your cover. :contentReference[oaicite:8]{index=8}