Single Trip Travel Insurance
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What is single-trip travel insurance?
A single-trip insurance is a policy that covers you for a single trip, it usually takes effect from the date of your departure and ends upon your arrival back in the country. Our single-trip travel insurance provides cover for up to 120days. This type of insurance is ideal for those who do not travel often or if you have a specific trip like travelling for a wedding or for business.
Single trip insurance is different from an annual multi-trip insurance because it is tailored to a particular trip, allowing you to choose the exact date, destination and the level of coverage you desire. For those who seldom travel, this is cheaper and more effective.
Why you need travel insurance?
Unexpected events can disrupt even the best-planned trips, which is why travel insurance is essential. Medical emergencies abroad can be extremely costly, especially in countries like the US or parts of Asia, but travel insurance covers emergency treatment and repatriation. It also protects you if you need to cancel or reschedule your trip due to illness, family emergencies, or other unforeseen circumstances, helping you recover non-refundable flight and accommodation costs. Travel insurance covers disruptions such as flight delays, missed departures, and cancellations, as well as loss, theft, or damage to personal belongings like luggage or passports. Personal liability cover applies if you accidentally injure someone or damage property while travelling. For those travelling once in a 12-month period, single-trip insurance is a cost-effective option, and having the right cover gives you peace of mind to enjoy your trip without worry.
How long does single travel insurance cover me
Single-trip travel insurance covers you for one specific holiday or journey, from the day your trip starts until the day you return home. The policy applies only for the full duration of that single trip, including both outbound and return dates.
What does single trip travel insurance cover
What’s covered
Emergency medical care: single-trip travel insurance covers for emergency treatment abroad, hospital stays, tests, diagnosis, medical procedure and prescribed medication. In addition, we will also cover the costs of repatriation back to the UK if it becomes medically necessary.
Cancellation: if you have to cancel your trip due to circumstances you can’t control and your policy includes a cancellation cover, we will repay you for your expenses including airfare and accommodation
Cutting your trip short: we provide coverage in the event that an emergency requires you to return home earlier than you planned.
Travel delay: we will reimburse you for the time lost if your flight is delayed and for other expenses such as meals, transportation and accommodation.
Personal belongings: if your luggage or its contents is stolen or damaged, we will cover for it.
Personal liability: we will cover legal costs as well as any obligation you may have in the event that you unintentionally harm someone or damage their property while on your trip.
Legal protection cover: we cover your legal fees if you need to claim compensation or damages for something that happened to you during your trip.
What’s not covered?
Undisclosed pre-existing medical condition: any condition that you fail to disclose during the medical screening will not be covered.
Travel outside of cover area: if you travel to any destination that has been advised against by the FCDO, you will not be covered.
Claims below the value of your excess: in most cases, you will not be covered for the travel insurance excess. This is usually your initial contribution to any claim.
Claims linked to alcohol or drug misuse: we will not cover for accidents or liabilities that occur as a result of alcohol or drug abuse.
Choosing not to travel: we understand that plans occasionally change, but you are only compensated for cancellations when the cause complies with the terms and conditions of the insurance.
High risk activities: high risk activities are not covered by a standard plan, however they can be included in your policy as an optional extra for an increased premium.
Routine or planned medical treatment: if you undergo any routine medical procedure, we do not cover for it unless you specifically disclose it and want it added as part of your policy.
Lateness: we will not cover any claim for missed transport when you did not leave enough time for your travel, for example airport transfers or boarding connecting flights.
Travel with confidence with Quays single trip travel insurance
At Quays we understand that every journey is unique, that is why our single trip travel insurance provides flexibility, clarity and peace of mind. Whether you’re travelling within the UK, Europe or anywhere in the world having the right coverage allows you to concentrate on having fun rather than worrying about eventualities.
How long does single travel insurance cover me
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Tips & Advice
Frequently Asked Question
What is the difference between single trip and annual multi trip travel insurance?
Single trip travel insurance covers one specific journey, while annual multi-trip insurance covers for multiple trips within a 12month period.
Is annual multi-trip travel insurance more cost-effective than single trip insurance?
It all depends on the kind of trip you are making and your destination. According to the British Insurance Brokers Association (BIBA), based on how risk is calculated, it is cheaper to take out an annual multi trip insurance if you’re for example taking more than 3 trips in a year each lasting one week or more. However, if you’re making 3 trips to Europe and one to the US or Canada, it is better to take out a single trip insurance for the US trip and get a multi-trip insurance for the other 3 trips.
When should I buy single trip travel insurance?
It is best to buy single trip travel insurance as soon as you book your trip. This ensures that you’re covered for cancellation if something unexpected happens before you travel.
Does single trip travel insurance cover pre-existing medical conditions?
Pre-existing medical conditions are not usually covered automatically. However, you may be able to add cover for accepted conditions after declaring them during medical screening and the quote process.
Is single trip travel insurance suitable for long holidays?
Yes, single trip insurance can cover longer stays provided the trip length falls within the policy limits. Always check the maximum trip duration in your policy before travelling.
Can I extend my single trip travel insurance while abroad?
Some policies allow you to extend your cover if the request is made before expiry and if no claim has been filed. However, approval of your request is subject to underwriting terms and conditions.
Is medical cover included with single trip travel insurance?
Yes. Emergency medical and repatriation cover is a key feature of our single trip travel insurance. Although it is subject to limits and exclusions.
How much does single trip travel insurance cost?
The cost of a single trip travel insurance differs from person to person. The pricing is usually based on some factors such as age, trip duration, destination, and medical conditions.