single trip means

How does single trip travel insurance work?

Who needs single trip travel insurance.

• Choosing travel insurance

Purchasing single trip travel insurance

Single trip travel insurance frequently asked questions, what is single trip travel insurance.

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• Single trip travel insurance covers unexpected costs incurred during a trip.
• Compared to annual travel insurance, single trip insurance is more flexible and comprehensive. 
• Premiums are based on trip costs, usually between 4% to 8%, but CFAR coverage may increase costs.

No matter the asset, protecting your investments via insurance is a proven means of providing coverage against financial loss. On par with homeowners, automobile, and life insurance, travel insurance is a proactive means of preparing for the uncertainties of travel, from flight delays and cancellations to lost luggage and medical emergencies.

The best travel insurance plan meets your specific needs. Single trip insurance protects one specific trip, offering the flexibility to tailor your insurance to your travel plans. If you're taking one large trip, perhaps your dream vacation, single trip insurance can protect your investment and provide peace of mind before, during, and after takeoff.

Single trip travel insurance covers unexpected additional expenses while on a trip. Often used interchangeably with traditional travel insurance, single trip travel insurance is the most popular type of insurance policy purchased by travelers in the US. Among its many benefits, this basic travel coverage is flexible, cost-effective, and comprehensive. 

Compared with annual travel insurance coverage (which covers multiple excursions to and from home within a specified period and comes with a cap), traditional policies cover a range of unforeseen events and emergencies leading up to (and for the duration of) your trip. Single trip travel insurance cost is typically a percentage of your trip costs, anywhere from 4% to 8% of your trip's total cost

Coverage options in single trip policies

Travel insurance covers unexpected financial losses while traveling. This can include inconveniences that happen throughout a trip, like lost baggage, missed connections, and travel delays. For example, travel insurance can cover meals purchased at the airport after your flight has been delayed for a certain amount of time.

However, travel insurance is especially helpful when more serious incidents occur. For example, travel insurance will cover non-refundable deposits in the case of an unexpected trip cancellation, as long as your trip was canceled for a covered reason.

Additionally, medical emergency insurance is particularly helpful when traveling abroad, where US-based health insurance usually can't help you. Depending on your policy, travel insurance can cover hospital room and board, prescription medicine, and even surgeries. It may also pay for medical evacuations and repatriations.

Additional coverage options

Most insurance providers will provide additional coverage options if you're looking for something more specific. For example, if you're traveling to a destination for extreme sports like skydiving, you can add adventure sports coverage to your policy.

You can also add Cancel For Any Reason to your policy, if you think you may cancel your trip for an uncovered reason, like fear of flying. However, you will need to be mindful of when you purchase travel insurance, CFAR is only available if you purchase travel insurance within two to three weeks of placing a deposit on your trip. You can find our guide on the best cancel for any reason travel insurance here.

Traditional travel plans are typically designed for the leisure traveler. In other words, vacationers who want to protect against unexpected, sometimes catastrophic financial losses related to an upcoming vacation pay a small fee relative to trip costs.

"The typical travel insurance buyer is someone who can't afford to lose non-refundable trip deposits such as for a cruise or vacation rental if forced to cancel [a vacation] for a covered reason," says Carol Mueller, vice president of Berkshire Hathaway Travel Protection . "It is also for the vacationer concerned about medical emergencies or medical evacuations [while away from home] that could cost thousands of dollars and [are] not covered by a health insurance plan."

However, if you have multiple trips coming up within a 365-day, annual travel insurance may be worth a look. While a single trip policy will end when you return home, annual travel insurance will cover any trips you take over a year.  

Choosing the right single trip policy

Since it can be overwhelming to sift through the myriad options available, Jones offers some tips to help travelers make the right decision when choosing travel insurance coverage:

Think about your needs: Consider the kind of trip you are taking and the activities you're planning. If you're traveling for a sports trip, you may want extra protection for your sports equipment. But it's often simpler. For example, you'll need travel medical insurance for emergencies as your standard health insurance probably won't cover you abroad.

Compare policies: Compare policies from multiple providers to find one meeting your needs and budget. Look for policies with comprehensive coverage for unforeseen events such as medical emergencies and trip cancellations. You can see which is more affordable when you have similar plans side-by-side. Just don't forget to account for any differences to get the most competitive pricing.

Read the fine print: Make sure you understand any exclusions or limitations before purchasing a policy. Some coverages, like cancel for any reason travel insurance, may have a time limit, but the coverage should be straightforward. Other cancellation coverage will most likely have important exclusions you should know.

Consider preexisting conditions: If any travelers in your party have preexisting medical conditions, ensure the policy you plan to purchase covers them. You may have to pay extra, but it will cost you a lot less than trying to find essential medications while you're on the road, especially if you're traveling internationally.

Look for customer reviews: Check customer reviews to see how other travelers have fared with the policy and provider. You can use sites like Trustpilot, ConsumerAffairs, and the BBB.

Purchase early: It's important to secure coverage at the same time you book your trip, as some coverage may only be available within a specific timeframe. Like your plane tickets and other travel arrangements, you may qualify for lower rates or discounts if you buy early.

Finally, planning to swipe a family vacation off your bucket list? Investing in travel insurance is the smart and savvy way to ensure you eventually reach your destination (financially) unscathed, despite any minor derailments.

"You can't predict what can go wrong before you leave for, or even [what transpires] during your vacation. That's why it makes sense to consider purchasing a comprehensive, traditional plans protect you against financial losses you never thought would happen," says Mueller.

While you can insure any trip, single trip travel insurance is best for long, expensive, or international trips. It's best to buy insurance shortly after booking your trip, ideally within two weeks of placing the deposit on your trip. 

Hundreds of plans offer similar coverages and benefit limits. Working with a certified insurance professional is the easiest way to cut through the hundreds of similar plans, find a quite, and purchase the plan best suited to your trip based on travel mode, trip cost, family presence, and more. 

After all, even the best-laid plans (and most detail-oriented itineraries) are subject to change due to unforeseen circumstances. While myriad travel-related details lie within your control, like when you go and where you stay, a few unpredictable variables will always remain. Proper insurance coverage might be the solution to anticipating all of them and ensuring a smooth journey one step at a time.

While single trip insurance is often more valuable for trips that are longer and international, insurance for domestic trips can be beneficial if they involve non-refundable expenses.

Yes, single trip policies can include multiple destinations within one trip, as long as all destinations are included in the policy.

You should purchase single trip insurance soon after booking your trip to qualify for benefits like CFAR policies and pre-existing condition waivers . Additionally, if your trip gets canceled before you can purchase travel insurance, you may not get your money back.

Most single trip insurance policies cover cancellations due to illness without the need for CFAR insurance, but it's important to check the specific terms of your policy.

While policy extensions are possible, rules depend on your insurer. Additionally, there may be a limit on how long you can extend your policy. 

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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What is A Single-Trip Travel Insurance Policy?

Get single-trip travel insurance to cover unexpected cancellations and medical expenses for as little as $85.

in under 2 minutes

Josh Lew is a travel journalist and writer based in the midwestern U.S. He has been active for the past decade, covering airlines, international destinations and ecotourism for sites like TravelPulse and TreeHugger. He currently contributes to content writing agency World Words.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

Single-trip travel insurance plans can help you manage the risks associated with travel, including trip delays , cancellations and medical emergencies. Even if these unwanted events don’t occur on your vacation, single-trip travel insurance provides peace of mind knowing you have financial support if needed.

The best travel insurance providers offer comprehensive coverage to help you avoid sunken cancellation costs and get back on track after a trip interruption. Read on to learn more about single-trip travel insurance and when to purchase a policy.

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What Is Single-Trip Travel Insurance?

Single-trip travel insurance covers one trip, with coverage extending from the time of purchase to the date you return home. Single-trip plans are best for casual travelers or those who do not travel internationally often. Frequent travelers may find more value in a multi-destination or annual travel insurance plan.

Single-trip travel insurance protects you from certain risks while traveling. Policies typically reimburse costs related to:

• Trip cancellation (including your flight and hotel)
• Emergency medical treatment or evacuation
• Travel delays and interruptions
• Lost or damaged baggage
• Stolen valuables, like a camera or laptop

Trip interruption and cancellation coverage are limited to unforeseen and uncontrollable events such as natural disasters, unexpected illnesses, a death in the family or an accident. You won’t get reimbursement if you change your mind or break up with your traveling companion before the trip — unless you purchase additional cancel for any reason (CFAR) coverage .

Insurers list coverage exclusions so you are aware of limitations when buying a policy. The fine print will also include coverage limits or the maximum amounts the policy pays for a covered event.

Single Trip Travel Insurance vs. Annual Travel Insurance

Most insurance providers offer multi-trip or annual policies that provide coverage for more than one journey. This option provides more value than single-trip plans in certain situations.

Here are situations in which a single-trip policy may be the better option:

• If you travel frequently but rarely go abroad and want coverage for international travel.
• If you are planning a once-a-year family trip and want cancellation coverage to protect your investment.
• If you are traveling for a special occasion and want protection so you can travel elsewhere if the trip gets canceled.
• If you might require medical coverage while traveling abroad and want to avoid paying for treatment out-of-pocket.

Annual policies are better in some circumstances, including:

• Frequent international travelers may be able to get a better rate with annual coverage.
• Digital nomads and expatriates living abroad for work often need health coverage provided by an annual plan.
• Anyone with more than two trips planned during a calendar year may get better value from multi-trip policies.

In most cases, the decision comes down to how much time you spend abroad and the number of trips you take during a given year.

Who Should Get Single-Trip Travel Insurance?

Single-trip travel insurance can benefit individuals, families or groups who don’t travel frequently and want to cover a specific trip. A travel insurance policy can offer financial protection for trips that require a significant investment.

Many travelers purchase single-trip policies to cover medical expenses. According to the U.S. Department of State , American health insurance does not usually work overseas. If you need emergency care abroad, you will have to pay out of pocket unless you have a travel medical plan.

Here is a closer look at the advantages and drawbacks of single-trip travel coverage:

Benefits of Single-Trip Travel Insurance

Single-trip travel protection provides certain benefits to travelers.

• Flexibility: You can purchase a policy with specific coverage and limits based on what you need for your trip without paying for extras you won’t use.
• Protection from unexpected events: Cancellation and interruption coverage can help you avoid losing your travel investment or spending extra because of an accident, disaster or another event beyond your control.
• Peace of mind: Even if you do not make a claim, travel insurance provides peace of mind knowing you have financial support if you encounter an emergency abroad.

According to the U.S. Travel Insurance Association , travelers use their coverage more than other insurance services — 17.3% of people who purchase trip coverage file a claim. In contrast, only 7.3% of homeowners utilize their house insurance.

Downsides of Single-Trip Travel Insurance

There are a few negatives to be aware of when purchasing travel insurance.

• Redundancies: You may already have some travel coverage through a credit card or health insurance. Check what coverage you have to avoid paying for double protection if you purchase comprehensive insurance.
• Age limits and pre-existing conditions: Insurers may deny coverage based on your age or pre-existing medical conditions . Check your policy for coverage exclusions if you have an existing health condition. Your provider may require you to purchase a waiver before your trip to qualify for coverage.
• Coverage limits: Policy maximums can limit payout amounts. In general, cheaper single-trip policies have lower maximums. Make sure your policy covers the amount you expect to spend for your trip.

Reading the fine print of your insurance policy can help you avoid these downsides and get the most out of your single-trip insurance benefits

Choosing the Right Single-Trip Travel Insurance

One of the advantages of single-trip insurance is the ability to select the best policy for each journey. You can choose the best travel insurance provider based on how well a policy meets your needs for your specific trip plans.

Here are factors to consider when shopping for single-trip insurance:

• Trip duration: The cost of a single-trip policy often depends on how long you will be outside the U.S. For example, a two- or three-week trip is likely to cost more than a week-long vacation.
• Total trip cost: Calculating the cost of pre-booked portions of your trip can help you determine how much coverage you need. Your insurer will require you to specify a trip amount to obtain a quote.
• Your location and destination: Insurance costs can vary based on where you live. For example, coverage for a traveler from New York may cost more than the same policy for someone in Virginia.
• Deductibles: A policy deductible is what you pay out of pocket before your insurance kicks in. Higher deductibles mean lower premiums but force you to pay more out of pocket if you file a claim.

Single-trip plan costs vary depending on the above details. We recommend you get quotes from different providers, compare conditions, research exclusions and verify coverage limits before purchasing a policy. Look for a policy that meets your coverage and budgetary needs without too many extras.

Which providers should you choose? Here are five major travel insurance providers that offer single-trip plans:

• International Medical Group (IMG) offers comprehensive and travel medical care plans.
• Seven Corners has a range of insurance products, including single and multi-trip plans.
• AIG has various travel insurance plans, including coverage for last-minute travel.
• Trawick International offers comprehensive plans, including specialized coverage for students and adventure travelers.
• Travelex sells both domestic and international travel insurance policies.

It pays to get as much information as possible about each insurer so you can make an informed decision about your travel coverage purchase. You can use our quote tool to get started:

What Does Single-Trip Travel Insurance Cover?

Comprehensive single-trip insurance covers the following:

• Medical emergencies and evacuations: Single-trip travel health insurance reimburses you for medical treatments if you fall ill or have an accident. It also pays for medical evacuation or transport home if you need long-term or specialized care.
• Trip interruptions: This insurance pays for accommodations and transportation if you experience extended delays due to a disaster, conflict or other uncontrollable events.
• Delayed or lost luggage: This coverage allows you to replace lost or delayed luggage due to mishandling by your airline or other transportation provider.
• Trip cancellations: This part of the policy reimburses you for nonrefundable, prepaid portions of your trip that get canceled due to unforeseen circumstances.
• Repatriation: If you pass away on your trip, this insurance pays to have your remains returned home.
• Other coverage: Some policies protect against device or equipment theft or offer additional coverage for certain activities, like rental car usage or travel excursions. While comprehensive policies may include this coverage, other providers may allow you to purchase protection as a policy add-on.

Additional Considerations and Optional Coverages

Keep in mind that policies may have age restrictions or limit coverage for customers with pre-existing conditions. Restrictions vary by provider, so it is best to research insurers individually to understand specific limitations and requirements. However, some insurance companies allow customers to purchase pre-existing medical condition waivers.

Insurers use a similar approach for other risks, such as adventure sports like scuba diving or rock climbing. Some providers allow you to purchase add-ons to increase medical insurance coverage limits or add protection for sporting equipment and other gear.

Finally, CFAR coverage is an add-on that reimburses a portion of trip cost without requiring you to provide the rationale for your cancellation. CFAR coverage offers an alternative to standard trip cancellation insurance, which outlines specific reasons that qualify you for reimbursement.

How Much Does a Single-Trip Travel Insurance Plan Cost?

Travel insurance costs can vary based on your trip details and coverage needs. We gathered quotes from multiple providers to give you an idea of what single-trip coverage might cost for different travelers.

• Two 40-year-old travelers from New York going to Jamaica for two weeks in November with a $2,500 itinerary can expect to pay $134 with IMG Global . The policy covers trip cancellation, $250,000 in medical expenses and $500,000 in evacuation insurance.
• A 30-year-old traveling from Florida to Germany for a week in October with a trip worth $2,500 would pay $86.44 for a plan from Trawick International . Coverage includes $150,000 in emergency medical expenses, $1 million in evacuation insurance and full cancellation coverage.
• A family of four going to Mexico for two weeks in December would pay $124 per person for Travelex Insurance . The policy includes cancellation and interruption coverage , $50,000 per person in medical insurance and $500,000 in evacuation coverage.

The above examples include prices from midrange plans that offer comprehensive coverage.

Is Travel Insurance For One Trip Worth The Cost?

Single-trip insurance is worthwhile because it protects you from common travel risks, including cancellations, delays and medical emergencies. These plans can also provide peace of mind knowing you will have financial support if the unexpected happens during your trip. While single-trip policies are best for travelers looking to cover one excursion, frequent travelers may benefit more from multi-trip coverage.

Frequently Asked Questions About Single-Trip Travel Insurance

Does single-trip insurance cover travel cancellation.

Most single-trip plans include trip cancellation coverage . With this insurance, your provider agrees to cover a portion of nonrefundable costs if your trip gets canceled for a covered reason. Check your policy for coverage details.

Can I buy a single-trip travel insurance policy if I’ve already left for my trip?

Policies for purchasing coverage vary based on the company. Many companies require you to purchase insurance before departure to receive the full benefits. But some companies, especially those specializing in travel health insurance, allow you to buy a policy at any time. However, travel medical insurance often has a waiting period of up to 72 hours before coverage starts. This wait ensures you don’t buy coverage after you are already sick.

Does single-trip travel insurance coverage include baggage loss?

Most travel insurance policies include coverage if you experience a baggage delay or an airline loses your luggage . You may also have coverage for luggage theft or damage up to a certain amount.

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The Definitive Guide to Single Trip Travel Insurance

The single trip travel insurance guide.

There are currently well over 500 different single trip travel insurance policies to choose from. Selecting the right policy can seem a little overwhelming, so you will be glad to know that we have reviewed every one for you, ranking them by cover, sums insured and premium.

This review guide will help you understand what to look out for when picking single trip travel insurance and how to choose the right policy for you and your family.

The Single Trip Travel Insurance Market

What is a single trip travel insurance, what does single trip travel insurance cover.

• When should I buy single trip travel insurance

Can you take out single trip travel insurance after leaving?

Why get single trip insurance, who is a single trip travel insurance policy for, how much does single trip travel insurance cost, what affects the price of single trip travel insurance, what are the benefits of single trip travel insurance, what are the drawbacks of single trip travel cover, what are the exclusions under single trip holiday insurance, what extras can i include under a single trip travel.

• Tips when comparing single trip travel insurance.

Despite the current economic climate and the looming results of Brexit, there has been a steady increase in the number of visits abroad, which have risen by 31% since 2010, a trend which has been forecast to continue.

78% of all trips abroad were to Europe, with Spain being the most popular European destination (26% of all trips). North America (including Canada) was the second most visited destination with 6.5% of all UK overseas visits being made to the region. The number of flights leaving UK airspace has also increased from 46 million in 2013 to 61.7 million in 2017.

Short breaks and city trips, particularly to European destinations is a rising trend aided by budget airlines and an avalanche of online providers offering cheaper last minute deals. Trips typically last no more than four nights. This has led to a change in holiday habits, indicating that consumers are taking a greater number of shorter overseas breaks rather than one long annual holiday.

The benefit of a single trip policy is that you are only paying for the specific time you are away.

As mentioned above single trip travel insurance covers a wide range of unknown situations, such as:-

• Cancellation/Curtailment/Abandonment - The need to cancel, curtail or abandon your trip, as a result of death, bodily injury, illness, redundancy, foreign office directive, natural disaster or catastrophe.
• Emergency Medical Expenses – The cost of medical treatment and associated expenses (such as repatriation) required as a result of an illness or injury caused whilst you are abroad.
• Baggage Cover – The loss, theft, or accidental damage to your luggage, personal possessions or money.
• Missed Departure – additional expenses to assist you in reaching your destination if you have missed your original departure.
• Delayed Departure – Compensation if your flight is delayed for 12 hours or more.
• Delayed Baggage – The cost of essential items if your baggage has been lost or delayed.
• Personal Accident – Financial compensation disability or death as a result of an accident.
• Personal Liability – Protection if you injure a third part or damage their property.
• Legal Expenses – Should you need to sue for compensation.
• Hijack/Mugging – Compensation should you be hijacked or mugged whilst abroad.

When should I buy single trip travel insurance?

Your single trip policy should be purchased the moment you book your holiday or trip. Even if you are not planning to travel for several months, the moment that you take out a policy, you will be covered for cancellation of your trip.

For example: -

You or a relative become sick or have an accident and are unable to go on the trip.

You might have been made redundant and can't afford to go on the trip and you didn't know about the redundancy when you booked.

You could be forced to cancel your holiday due to bereavement.

Despite the need to book insurance immediately after you have reserved your trip, it is estimated that 35% of consumers actually take out travel insurance 0-1 days before they leave. Whilst no-one wants to cancel their trip abroad, at least insuring early will mean the Insurer will refund some or all of the travel costs.

Yes . If you have already left and forgotten travel insurance, there are several companies who will still provide cover. This is on the understanding that nothing has occurred at the time of taking out the cover which has led to a claim or may lead to a potential claim.

Obviously, the Insurer would not pay for your belongings if you’ve already lost them, medical bills if you’ve already incurred them, or any other events known to exist at the time of arranging cover which might give rise to a subsequent claim.

We have listed a few examples of companies who offer this service.

• True Traveller
• Globelink Travel Insurance
• Alpha Travel Insurance

To prevent fraud, there is normally no cover in the first 48 hours after you’ve taken out a policy, except where you suffer an injury as a result of an accident.

Whilst the last twelve months has seen an increase in the sale of single trip travel insurance, it is estimated that anywhere between 1 million to 3 million travellers didn't bother to take out a policy before they left for their trip abroad. Those customers who didn't take out cover cited the cost, poor past experience, or ignorance as the main reasons for not insuring themselves.

Travel Insurance has never been more competitive. A single trip policy covering a few days away can be purchased for just a few pounds. There is no good reason for you to travel abroad without Insurance. It doesn't make any financial sense NOT to take out travel insurance.

If you are planning a trip, even if it is only to Europe for a few days, you shouldn't just rely on the European Health Insurance Card . A serious injury may still leave you with a large medical and repatriation bill, having your luggage stolen or having to cancel the trip altogether, can leave you thousands of pounds out of pocket. For the cost of a round of drinks, you can travel knowing you are fully protected, should the unthinkable happen.

Most single trip policies can be taken out by an individual. Many policies offer a discount for couples (who live together) and families consisting of a single or two parents and up to eight children. In many cases children can travel free of charge

Asda Travel Insurance will include children at no extra cost under their family policy

Insurewithease.com will cover children for free under all their single trip policies

Some single trip policies will allow groups of individuals (who are not necessarily related) to cover themselves under the same policy (as long as they are travelling together and to the same destination). The majority of these will cover up to ten individuals and offer a discount.

A few companies will cover more than ten individuals such as TopdogTravelInsurance.com

Most policies require you to insure for a minimum of three days with a maximum period of 12 months (some companies will cover you up to 24 months), useful if you are planning to travel around the world for a year, or need to spend a few months with relatives. (There are specialist backpacker policies for longer term travel, but the cover isn't usually as comprehensive).

What you’ll pay for travel insurance is affected by a number of individual factors, such as:

Your age - In general the younger you are the cheaper your insurance is going to be. However some Insurers charge more for the under 25's, so it's important to compare costs. Price increase steadily until you hit your 60's when there is a huge step up in cost, in some cases by as much as 100%.

For travellers over the age of 75 the choice becomes less and the premium even higher. There are several companies who have no age limit on single trip travel insurance such as Holidaysafe.com , and Allclear Travel Insurance , who also specialise in travel insurance with Medical Conditions.

The level of cover - Like other companies, we rate travel insurance policies on a scale of 1 - 5, (with 5 being the highest rating) but unlike other companies, we take a much stricter approach to our award structure. We believe a 5 star policy should be just that, a policy that has the most comprehensive and highest levels of cover, combined with the lowest excess.

Of course these policies come with a higher price tag, but you can still find five star rated policies that are extremely competitive. For Example Holidaysafe's five star rated Premier Plus policy costs only £39.23 for a two week vacation anywhere in the world.

Four star policies are still worth considering but may not have the absolute highest levels of cover. The cheapest four star rated policy based on the same duration and destination as the example above is through Explorer Travel Insurance and their four star rated Platinum policy costing £28.37 .

If you don't need the highest levels of cover, three star policies are an option. Cover tends to meet the industry averages, but may be missing features like gadget cover, or end supplier failure and the excess may be higher.

You need to pay more attention and compare policies carefully if you are choosing a three star policy, to make sure your requirements are still met, but there are some great bargains to be had. Using the same criteria as above, Alpha Travel Insurance provides the cheapest option in respect of their three star rated Alpha 50 ST policy costing £22.61 .

One and two star policies are for those who only require the bare minimum cover for example just medical expenses and aren't worried about cancellation, baggage cover, missed or delayed departure. The advantage is that premiums are extremely cheap. If you are one of those people that hasn't in the past bothered with travel insurance, you should at the very least opt for a one or two star rated policy that covers emergency medical expenses, like CheaperTravelInsurance's bronze policy .

The type of holiday - two weeks sunbathing by the pool is going to cost less than two weeks skiing. Any holiday which includes adventurous activities such as skiing, scuba diving, mountain climbing, or trekking will cost you more and in most cases will be a paid option in addition to the standard premium.

Your Destination - Trips are normally split into three or four (sometimes five) regions. Trips to Europe France Germany etc. will be the cheapest. Taking advantage of the European Health Insurance card means that medical bills are lower for the Insurer.

Some Insurers charge a higher premium to include Balearic countries (Mallorca for example), as they tend to operate a higher level of private healthcare which costs more.

Some Insurers use a different rating structure if you are visiting either Australia or New Zealand. Whilst medical costs tend to be higher than European countries, there are reciprocal healthcare arrangements in place between the UK and these countries, known as MEDICARE and the medical cost to the Insurer is reduced.

The last two regions are the rest of the world excluding the USA and Canada and worldwide including the USA and Canada. In general terms, the further you travel the more expensive the policy will be. The cost of medical treatment in the USA and Canada, whilst excellent, is notoriously expensive and naturally premiums charged reflect this.

The duration of your holiday - Simply put, the longer you are abroad, the higher the cost of travel insurance.

Medical Conditions – if you have a pre-existing medical condition, chances are your premium will be higher. However there are some good travel insurers, who specialise in travel insurance with Medical conditions such as All Clear Travel Insurance . Don’t be tempted not to disclose any conditions, as failure to declare a pre-existing medical condition could invalidate your insurance. Read our guide on the rules of taking medicine abroad .

• You only pay for the exact time you will be away.
• The cover you choose will be tailored to that specific trip. For example if you have recently purchased an expensive laptop, you can make sure it’s specified. You can also make sure specific activities are covered which may not be the case with annual travel insurance .
• Most annual policies have a single trip limit of 31 days. If you are travelling abroad for a longer period, a single trip policy would be the only option.
• If you are only planning to go abroad once per year, a single trip policy should be cheaper than an annual one.
• It may be more expensive to purchase single trip policies if you are planning more than one trip per year.
• Every time you take a trip abroad, you would have to spend additional time re-comparing quotes and cover.
• You must remember to take out a single trip policy every time you book a trip abroad.
• Prices for travel insurance could increase over the course of a year, whereas with an annual policy you have already paid the premium for twelve months cover.
• Loss or theft of, or damage to baggage, including valuables, gadgets and money if they are left unattended at any time (including a vehicle, or whilst in the care of a carrier), unless they were locked in a safe or left in your locked accommodation.
• Loss or damage caused by your baggage being delayed confiscated or detained by customers or any other authority.
• Losing or not having the correct documents (passport, visa, inoculation certificate, travel tickets) that you need to travel.
• Travelling to a country or specific area, which has been advised against by the Foreign and Commonwealth office, or World Health Organization.
• Travelling, to take part in a professional sport, or professional entertaining.
• Changing your plans, returning home or cancelling a trip, because you no longer want to travel, didn’t enjoy the holiday or simply changed your mind.
• Placing yourself in unnecessary danger, for example jumping or diving from a pier, wall, bridge or rock, including tomb stoning, or shore diving.
• Climbing on top of or jumping from a vehicle. Climbing or jumping from a building or balcony.
• Drinking too much alcohol, or taking drugs.
• Claiming for costs that were paid for using any airline mileage reward scheme.
• Claiming for illness caused as a result of a pre-existing medical condition, which you didn’t declare when taking out the insurance.
• Planning an adventure holiday which includes an activity such as skiing , scuba diving, white water rafting or mountaineering and you haven’t told the Insurer.

In addition to the standard cover, you are in many cases, able to extend a policy to include further activities such as Golf or Cruise holidays , and the additional costs associated with a wedding abroad.

Travel Insurance may also be extended to cover business trips , including business equipment and car hire excess. For those who plan to trek or mountaineer, cover can be extended to include the cost of search and rescue.

Tips when comparing single trip travel insurance

You should think about the type of trip you are taking (business, relaxing holiday, weekend break, adventure holiday), the overall cost, how much luggage you are taking with you.

Emergency Medical Treatment - The vast majority of policies cover £10 Million and upwards, but you should go for at least £5 Million.

Cancellation – Make sure that the maximum exceeds the total cost of your holiday, including hotel or villa, flights, or cost of travel and pre-paid excursions.

Baggage – Add up the total cost of personal possessions that you will take with you on your trip and make sure this is under the policy limit. Also pay attention to the single article limit, the valuables limit, and the limit for gadgets like laptops, mobile phones etc. Make sure you are not carrying more than you are insured for.

Money and Cash – Check the policies inner cash limit. Don’t carry more cash than the limit allows, because if it is stolen or you are mugged, you won’t be insured.

Legal Expenses – It is always good to know that you have any legal costs covered, so go for a policy that includes it as standard.

Personal Liability – Accidents happen and sometimes caused by you, so choose a policy that includes at least £1 Million, preferably £2 Million of Personal Liability cover.

Activities – Think about the activities you plan to do whilst on your trip and check the policy to ensure they are either automatically included (even common activities like swimming or snorkelling) or that you have paid the correct additional premium to include them.

Excess – Some policies don’t charge any excess, but if you can stand to take a small hit in the event of a claim, then premiums can be reduced if you elect a large voluntary excess.

Finally if you are using a comparison website, don’t just settle for the cheapest, because the protection offered may not be enough to cover your holiday. Carry out your research carefully. If you want an unbiased opinion use our free travel insurance comparison and rating tool to help you narrow down your search.

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What Is Single-Trip Travel Insurance And When Should You Use It?

Travel insurance can often feel like an unnecessary travel expense. You might ask yourself: What's the worst that can happen? Maybe you skip the available insurance options when booking your flight, hotels, and outings. To be honest, most of the time, everything will be fine, but that's when nothing goes wrong. When nothing goes right, you'll wish you had read this article before your big trip! Luckily, you're here now and can prepare for the future.

So what is single-trip travel insurance? This is a type of travel insurance you can purchase for a single trip where you leave home, go on your trip (to one or multiple destinations), and then return home, usually within a limited period of time. Depending on the insurance you buy, it will cover a variety of issues, including trip delays and cancellations, medical expenses, and more. But always be sure to read the fine print.

What single-trip travel insurance covers and doesn't cover

As we mentioned, most single-trip insurance plans will cover claims for problems you encounter on your trip that lead to serious and excessive expenses. This can be flight cancellations, missing baggage , hotel stays if you get stuck somewhere overnight, car rentals, and even medical expenses if you get injured or fall ill. This can be a huge relief if you've spent a ton of money on a trip — say, a destination wedding or a big family vacation — and are worried about plans falling through or being ruined due to a single flight delay or a lost bag with a wedding dress in it! While you may not get the dress back in time or maybe even at all, at least you'll get some monetary compensation.

When it comes to medical expenses, though, be aware that some insurance plans won't cover you if you have pre-existing conditions or take part in dangerous activities such as skydiving or even SCUBA diving. Additionally, insurance won't accept claims for issues that you could have avoided. For example, if you buy a plane ticket the day a hurricane is supposed to land and your flight gets canceled, your insurance claim probably won't be accepted.

When you should buy single-trip travel insurance

Most travel insurance will cost between 4% and 10% of the cost of the trip. So if you spend $10,000 on your big two-week honeymoon to Tahiti, expect to pay between $400 to $1,000 for insurance. For such a big trip, this is a small price to pay for peace of mind that, should anything happen, you'll be covered. You might also want to consider buying Cancel for Any Reason (CFAR)  insurance which might be a good idea for more expensive trips.

In general, though, travel insurance can also cover trip cancellations in the event that a non-traveling family member is hospitalized or passes away. Insurance may also cover unforeseen weather or natural disasters at home or at the destination. So, if you're traveling during a shoulder season — let's say the end of the rainy season in the Caribbean — the weather can be unpredictable. This might be one more reason to buy travel insurance.

All in all, travel insurance is never a bad idea. Consider the cost of buying the add-on insurance you see offered by airlines, hotel booking sites, and car rentals . Bundling these together under one insurance plan might just save you time, money, and stress!

Understanding the Benefits of Single-Trip Travel Insurance

Last Updated on: Apr 9, 2023  

Single-trip travel insurance is a form of short-term coverage designed to cover expenses incurred by travellers when they are away on a single trip. If you’re not familiar with this type of travel insurance, you may not be familiar with the variety of benefits it can offer. This article will help you understand why single-trip travel insurance is such an important option for many travellers who travel for vacation once or twice a year. You’ll learn more about the different ways that this coverage can mitigate financial risks, as well as the situations in which you may need to buy separate coverage instead.

What is single-trip travel insurance?

Single-trip travel insurance is a type of coverage that can protect you financially if you’re travelling on a single trip. This means that you’ll pay a set amount. Single-trip policies can be a useful option for people who often travel for business, take frequent short trips, or are likely to experience some unexpected expenses while on the road. For example, you may be going on a single trip to multiple destinations. In this case, you may find that single-trip travel insurance provides you with a better value and level of protection than your regular travel insurance.

Understanding the Benefits of Single-Trip Insurance

A single-trip travel insurance policy can provide financial and medical protection against a variety of potential risks while travelling. These policies are an ideal choice for many people, especially when travelling to single or multiple destinations once or twice a year, as they can be tailored to your trip. For instance, you only pay for the length of your trip and the destination you plan to travel to. 

Single-trip policies can also provide protection for medical expenses abroad and can offer coverage that doesn’t cap your expenses. Additionally, they provide reimbursement if your trip is interrupted and you have to cancel or cut it short. Ultimately, such policies provide better value for your money than regular travel insurance and are an ideal choice for many families and solo travellers who don’t travel abroad often. 

Understanding the limits of single-trip coverage

Single-trip travel insurance is a great option for those who are looking for a policy that covers them during a specific vacation or trip. However, it is important to understand the limits and drawbacks of this type of coverage. Single-trip travel insurance typically covers a fixed amount of time, often 30 days. This means that if you extend your trip, you will no longer be protected by the policy. Additionally, many single-trip policies do not cover pre-existing conditions, so it is important to check the terms and conditions carefully before purchasing the policy. 

A single-trip policy may also not be the best option for travellers who plan to take multiple trips in a year. In this case, it is often more cost-effective to purchase an annual policy that covers several trips. It is also important to consider the scope of the insurance coverage, as some single-trip policies may only provide medical coverage, while others may be more comprehensive and include coverage for lost baggage or delays. If you’re travelling with expensive items, you may want to get a different type or level of coverage because regular single-trip policies may not offer adequate financial protection in the event that your items get damaged or stolen during your trip. 

When should you buy single-trip coverage?

Single-trip travel insurance is a great option for those who are travelling for a short period of time and don’t need the comprehensive coverage that annual policies offer. It’s especially beneficial for those making a one-time trip or taking multiple, shorter trips throughout the year. 

When considering single-trip coverage, it’s important to consider the duration and destination of your trip, as well as your policy’s coverage and limits. Additionally, be sure to thoroughly read the fine print of the policy to make sure it covers all the activities you plan to take part in on your trip. 

Key things to look for when purchasing single-trip insurance

When considering a travel insurance plan, it’s important to assess the amount of coverage you need. Before getting single-trip insurance, you should consider the following key factors:

• The coverage should be sufficient to cover your needs. This can include medical expenses, lost luggage, and trip cancellation. 
• Make sure the policy is valid in all of their destinations, as some policies can be limited to certain countries. 
• Ensure that the duration of the policy covers the duration of the trip. 
• Check if the policy is valid for any activities they plan to participate in, such as skiing or scuba diving. 

Doing your research and reading policy documents carefully can help you make an informed decision and ensure you have enough financial and medical coverage for your journey.

The bottom line

If you’re looking for an affordable way to make sure you’re protected while you travel, single-trip travel insurance could be the perfect solution. With a single-trip policy, you can rest assured that you’re covered in case of any medical expenses, travel delays, or lost or stolen luggage. Understanding the policy and coverage you’re purchasing is key to making sure you get the most out of your travel insurance, so you can truly enjoy your holiday knowing you’re in good hands.

Agni Amrita

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June 1, 2020

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Single Trip Insurance vs. Annual Travel Insurance Plans

Are you a jet-setter, always flying here and there? Or a snowbird who makes just one or two trips a year?

Are you a spontaneous traveler who leaps at last-minute deals? Or a careful planner who books vacations a year in advance?

Allianz Global Assistance offers insurance plans for all types of travelers: both single-trip plans that cover just one trip and annual travel plans, which can protect multiple trips in a 365-day span. Which plan is right for you: multi-trip or single-trip? That depends on your travel style and your vacation plans.

Planning lots of little trips? Consider multi-trip travel insurance.

A cousin’s wedding in Jersey. A 40 th -birthday beach trip. A late-summer escape to the mountains. Another cousin’s wedding in Boston. If the year ahead is speckled with short getaways, annual travel insurance is a wise purchase. One plan can cover all your trips, whether near or far, short or long, domestic or international. Annual plans can also offer significant savings when you compare their cost to buying several single-trip plans. Best of all, you don’t have to think about it! Buying a plan once and having benefits all year makes life easy.

Taking one dream vacation? Consider single-trip travel insurance.

One possible drawback to multi-trip travel insurance is the annual maximum on trip cancellation benefits . For the AllTrips Prime plan , this annual limit is $2,000. For the AllTrips Executive plan , three levels of trip cancellation are available, from $5,000 to $10,000.

If you’re only taking one big trip this year, single-trip travel insurance is probably the best choice. But it’s smart to get a quote for both options! Let’s say you’re 45 years old and you’re planning a luxury safari to the Serengeti . With airfare, lodging and guide services, your trip costs will hit that $10,000 mark. Your quote for the AllTrips Executive Plan with a $10,000 maximum for trip cancellation: $784. Your quote for the OneTrip Premier Plan is $546, and includes up to $50,000 in emergency medical benefits and up to $1 million in emergency transportation benefits.

Business travel? Consider multi-trip travel insurance.

If you travel frequently for work, an annual travel insurance plan can make life a lot easier. While

you’re probably not paying for business trips out of your own pocket, travel insurance can help when you experience common travel problems, such as lost or delayed baggage or trip delays. The AllTrips Executive plan also includes a collision damage waiver in most states to protect your rental car as well as protection for business equipment rental and/or replacement, if it’s lost, stolen, damaged or delayed by your travel supplier.

If your business travel takes you out of the country, you also need travel insurance for medical emergencies. U.S.-based companies have no legal “duty of care” for employees — in other words, there’s no law that requires companies to protect employees while they’re traveling. i  That’s why it’s wise to protect yourself with an annual plan that includes emergency medical and dental and emergency transportation benefits .

Traveling with children? Consider single-trip travel insurance.

The OneTrip Prime and OneTrip Premier plans include an extraordinary benefit for families: kids 17 and under are covered free when traveling with a parent or grandparent (not available on policies issued to Pennsylvania residents). For that reason alone, one of these single-trip plans may be the best choice for family vacations. Keep in mind, however, that older children, spouses and other family members who are traveling with you should buy their own individual travel insurance policies.

Spontaneous traveler? Consider multi-trip travel insurance. 

Maybe you’ve only booked one big trip in the year to come. But, before you select a single-trip plan, consider the trips you haven’t yet penciled in! If you often take unexpected escapes and last-minute vacations, an annual travel insurance plan can be the best option. Your pre-paid travel costs can be covered automatically, up to the limits stated in your plan. Road trips can be covered too, as long as your destination is 100 miles or more from your home. 

Renting a car? Buy multi-trip travel insurance.

Rental car insurance is an often-overlooked benefit of annual insurance plans from Allianz Travel. Included in your plan is the Rental Car Damage Protector (available to residents of most states), which covers costs if a car you're renting is stolen or is damaged in an accident or while it's left unattended. Rental car companies typically charge $10 to $30/day for similar coverage for economy vehicles, or 25 to 40 percent of the base rental price, according to WalletHub. ii

Just remember: No matter which type of travel insurance you choose, you’re still a savvy traveler because you’re protecting your trip!

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Two One-Way Flights or One Round-Trip: Which Is Better?

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Booking a flight involves navigating a maze of decisions. Is it better to fly with a budget airline or full-service one? How about basic economy versus regular economy ? And would you prefer pretzels or a cookie? 

Choosing between a single round-trip or two one-way tickets is the most basic decision and — you might be surprised to learn — one of the more nuanced. 

The cost between the two is usually the same for domestic flights but can vary significantly for international routes (assuming you're booking with cash rather than points and miles ).

Given that airfare was 26% more expensive in January 2023 than January 2022, according to the latest consumer price index data, budget travelers need to save every penny they can. 

In general, it can be more convenient to book a round-trip flight for a trip with specific start and end dates, but other considerations, such as cancellation policies and pricing, could make booking one-ways more appealing in some cases. And everything works differently for flights booked with miles. 

Let’s break it down.

Domestic flights

For flights within the United States on the same airline, round-trip tickets almost always cost the same as two one-ways.

There’s one caveat here: Booking two one-way tickets between separate destination or arrival airports can, in some cases, save money (or cost more). 

“Fares don’t have to be booked as returns,” says Laura Lindsay, travel trends expert at SkyScanner, a travel booking platform. “Look at flying out with one airline and back with another, or out of one airport and back into another to save money.”

Many online travel tools will automatically compare prices for these mismatched airline or airport itineraries and automatically include them in search results.

But it might be worth checking manually, especially for plans that involve different local airports or for airlines that don’t appear in search results , such as Southwest.

All that said, for domestic flights, the difference is almost always a wash. 

International flights

For international tickets, the logic changes completely. Round-trip tickets are usually cheaper than one-ways, sometimes significantly so.

NerdWallet compared fares across multiple international routes and found that, typically, buying two one-way tickets costs 20% more than a single roundtrip. 

To determine these differences, we compared routes between four U.S. airports and two airports in each destination region.

The effect is more pronounced when flying to some regions, such as Africa and Asia. That said, for flights between the U.S. and every region we looked at, it costs more to book two one-ways than a single round-trip. 

In some circumstances, such as open-ended trips where you don’t know when you’ll be returning, one-way flights might still make the most sense. But for most international travel, round-trip fares are the clear winner. 

Are round-trip or one-way flights cheaper if booking with points?

What about the cost difference between one-way and round-trip fares when using points or miles ?

Generally, airlines break these fares into one-way sections, meaning there is no meaningful difference between the two, in terms of cost. Yet a few caveats apply: 

Taxes on award flights can be higher when booking two one-ways. Delta Air Lines, for example, tends to charge more fees for flights originating in Europe.

Some airlines, such as ANA, do not allow one-way award flights, period. 

Flights booked with credit card points using a travel portal (i.e. not transferred to an airline partner) follow the same rules as cash fares. 

Other considerations

It’s also worth considering the impact of changes and cancellations on the two options.

Most airlines have eliminated change fees , making it easier to change and cancel both kinds of tickets. But canceling one leg of a round-trip ticket can sometimes be more complicated than canceling a one-way ticket.

In some cases, you might need to call customer service, instead of canceling online, to make sure the change doesn’t cancel your other flight segments as well.

And finally, there’s the question of simplicity.

Is the simplicity of having a single itinerary, managed by one round-trip confirmation code, worth these other trade-offs? This simplicity, paired with the fact that round-trip tickets are almost never more expensive than two one-ways, means that these fares make sense for most travelers.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1.5%-6.5% Enjoy 6.5% cash back on travel purchased through Chase Travel; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

$300 Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

on Capital One's website

2x-5x Earn unlimited 2X miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.

75,000 Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

Winter is here! Check out the winter wonderlands at these 5 amazing winter destinations in Montana

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What Is A Single Trip Travel Insurance

Published: December 18, 2023

Modified: December 28, 2023

by Melitta Lindeman

Introduction

Understanding the Essence of Single Trip Travel Insurance

Traveling is an exhilarating experience that opens doors to new cultures, cuisines, and adventures. Whether you're embarking on a solo journey, a romantic getaway, or a family vacation, the thrill of exploration is often accompanied by the need for security and peace of mind. This is where travel insurance steps in to offer a safety net, ensuring that unforeseen circumstances do not derail your plans or jeopardize your financial well-being.

Travel insurance comes in various forms, tailored to meet the diverse needs of globetrotters. One such option is single trip travel insurance, a popular choice for individuals or families planning a one-time excursion. This type of insurance is designed to provide coverage for a specific trip, offering protection against a range of potential mishaps that could occur before or during your travels.

Single trip travel insurance is a valuable asset for those seeking comprehensive protection during their journey. From trip cancellations and medical emergencies to lost luggage and flight delays, this insurance serves as a reliable companion, ensuring that travelers can navigate through unexpected challenges with confidence. Let's delve deeper into the nuances of single trip travel insurance, exploring its coverage, benefits, and the process of acquiring this essential safeguard for your upcoming adventure.

Defining Single Trip Travel Insurance

Single trip travel insurance is a specialized form of travel insurance that provides coverage for a specific journey, typically from the departure to the return home. It is tailored for individuals, couples, or families embarking on a one-time trip, whether it’s a weekend getaway, a business excursion, or an extended vacation. This type of insurance offers financial protection and assistance in the event of unforeseen circumstances that could disrupt or impact the travel plans.

Essentially, single trip travel insurance is designed to mitigate the risks associated with traveling, offering a safety net that extends beyond the conventional travel bookings. It encompasses a wide range of potential mishaps, including trip cancellations, medical emergencies, evacuation, lost or delayed baggage, and travel delays. By securing single trip travel insurance, travelers can navigate through unexpected challenges with confidence, knowing that they have a reliable support system in place.

One of the key features of single trip travel insurance is its flexibility and customization. Travelers have the option to tailor their insurance coverage based on their specific needs and the nature of their journey. This could include adding extra coverage for adventurous activities, pre-existing medical conditions, or valuable belongings, ensuring that the policy aligns with the unique aspects of the trip.

Moreover, single trip travel insurance offers peace of mind by providing 24/7 assistance and support services, such as emergency medical referrals, legal assistance, and travel guidance. This proactive approach aims to alleviate the stress and uncertainties that may arise during travel, allowing individuals to focus on creating lasting memories and experiences.

As the travel landscape continues to evolve, single trip travel insurance remains a fundamental component of a well-planned and protected journey. Its comprehensive coverage and personalized approach make it an indispensable asset for travelers seeking assurance and security during their adventures.

Coverage Provided

Single trip travel insurance offers a comprehensive range of coverage to safeguard travelers against various unforeseen events and emergencies. The specific coverage provided may vary depending on the insurance provider and the chosen policy, but it typically includes the following key elements:

• Trip Cancellation or Interruption: This coverage reimburses the non-refundable expenses if a trip is canceled or cut short due to covered reasons, such as illness, injury, or unforeseen circumstances.
• Emergency Medical Expenses: Single trip travel insurance includes coverage for emergency medical treatment and hospitalization while traveling abroad, ensuring that individuals receive the necessary care without incurring exorbitant costs.
• Travel Delay or Missed Connection: In the event of a delayed or missed connecting flight, train, or cruise due to reasons beyond the traveler’s control, this coverage provides reimbursement for additional expenses incurred, such as accommodation and meals.
• Baggage and Personal Belongings: Coverage for lost, stolen, or damaged baggage and personal belongings during the trip, offering financial compensation to replace essential items and mitigate the inconvenience caused by such incidents.
• Emergency Evacuation and Repatriation: In the case of a medical emergency or a natural disaster, this coverage ensures that travelers receive assistance in arranging emergency evacuation to the nearest adequate medical facility or repatriation to their home country.
• Personal Liability: Protection against legal expenses and compensation for accidental injury or damage to third parties or their property, offering financial security and legal support while traveling.

Furthermore, single trip travel insurance may include additional optional coverage, such as adventure sports coverage for activities like skiing, scuba diving, or bungee jumping, as well as coverage for pre-existing medical conditions, trip curtailment, and rental car damage.

By encompassing a diverse array of coverage options, single trip travel insurance provides travelers with the assurance that they are protected against unforeseen events and emergencies, allowing them to embark on their journey with confidence and peace of mind.

Benefits of Single Trip Travel Insurance

Single trip travel insurance offers a multitude of benefits that contribute to a seamless and secure travel experience. Understanding these advantages can help travelers appreciate the value of this essential safeguard and make informed decisions when planning their next adventure. Some of the key benefits of single trip travel insurance include:

• Financial Protection: By providing coverage for trip cancellations, medical emergencies, and unforeseen mishaps, single trip travel insurance safeguards travelers from incurring significant financial losses, ensuring that their investment in the trip is protected.
• Peace of Mind: The assurance of having comprehensive coverage and 24/7 support services alleviates stress and uncertainties, allowing travelers to focus on enjoying their journey without worrying about potential mishaps.
• Emergency Assistance: Single trip travel insurance offers access to emergency medical referrals, travel guidance, and support services, ensuring that travelers receive timely assistance and expert advice in challenging situations.
• Customizable Coverage: Travelers have the flexibility to tailor their insurance policy to suit their specific needs, whether it involves adding coverage for adventurous activities, pre-existing medical conditions, or valuable belongings, thereby ensuring that the policy aligns with the unique aspects of the trip.
• Convenience and Accessibility: The process of purchasing single trip travel insurance is straightforward and easily accessible, often available online or through travel agencies, providing a convenient means of securing essential protection for the journey.
• Risk Mitigation: By mitigating the risks associated with travel, including medical emergencies, trip disruptions, and unforeseen events, single trip travel insurance enables travelers to navigate through challenges with confidence, knowing that they have a reliable safety net in place.

Moreover, the benefits of single trip travel insurance extend beyond financial and logistical aspects, encompassing the invaluable peace of mind and security that come with knowing that one is prepared for the unexpected.

Ultimately, single trip travel insurance serves as a vital tool for travelers to safeguard their well-being, investments, and experiences, ensuring that they can embark on their journey with confidence and tranquility, regardless of the destination or the nature of their travel plans.

How to Purchase Single Trip Travel Insurance

Securing single trip travel insurance is a straightforward process that offers travelers the flexibility to choose a policy that aligns with their specific needs and preferences. The following steps outline the typical process of purchasing single trip travel insurance:

• Evaluate Your Needs: Before purchasing travel insurance, assess the specific requirements of your trip, including the destination, duration, activities planned, and any pre-existing medical conditions. Understanding these factors will help you determine the level of coverage needed for your journey.
• Research Insurance Providers: Conduct thorough research to identify reputable insurance providers that offer single trip travel insurance. Compare the coverage options, policy features, and customer reviews to select a provider that meets your criteria for reliability and comprehensive protection.
• Choose the Coverage: Select the coverage options that best align with your travel plans. Consider factors such as trip cancellation, medical expenses, baggage protection, and any additional coverage required for specific activities or belongings.
• Obtain Quotes: Request quotes from multiple insurance providers to compare premiums, deductibles, and coverage limits. This step allows you to make an informed decision based on the cost-effectiveness and value offered by each policy.
• Review the Policy Details: Carefully review the policy documents, including the terms and conditions, coverage exclusions, and limitations. Ensure that you understand the scope of coverage and any requirements or restrictions associated with the policy.
• Purchase the Policy: Once you have selected a suitable single trip travel insurance policy, complete the purchase process through the insurance provider’s website, a licensed agent, or a travel agency. Provide the necessary information and payment details to finalize the policy acquisition.
• Receive Confirmation and Documents: Upon purchasing the insurance policy, you will receive a confirmation of coverage along with the policy documents. It is essential to keep these documents easily accessible during your travels for reference in case of emergencies or claims.

It is important to note that the process of purchasing single trip travel insurance can vary based on the insurance provider and the channels through which the policy is obtained. Additionally, some credit cards and travel booking platforms offer the option to purchase travel insurance as part of the reservation process, providing added convenience for travelers.

By following these steps and exercising due diligence in selecting the right policy, travelers can acquire single trip travel insurance that offers comprehensive protection and peace of mind throughout their journey.

Single trip travel insurance stands as a vital asset for individuals, couples, and families embarking on a one-time journey, offering a safety net that extends beyond the conventional aspects of travel planning. The comprehensive coverage, flexibility, and peace of mind provided by this form of insurance make it an indispensable component of a well-protected and secure travel experience.

By understanding the essence of single trip travel insurance, including its coverage, benefits, and the process of acquisition, travelers can make informed decisions to ensure that their journeys are safeguarded against unforeseen events and emergencies. The financial protection, emergency assistance, and customizable coverage options offered by single trip travel insurance contribute to a seamless and secure travel experience, allowing individuals to explore new destinations with confidence and tranquility.

As the travel landscape continues to evolve, single trip travel insurance remains a fundamental tool for mitigating the risks associated with travel, ensuring that individuals can navigate through unexpected challenges without compromising their well-being or financial stability. The convenience of purchasing single trip travel insurance, coupled with its accessibility and tailored coverage options, empowers travelers to embark on their journeys with the assurance that they are prepared for the unexpected.

Ultimately, single trip travel insurance serves as a reliable companion, offering peace of mind and security throughout the duration of a specific journey. Whether it’s a leisurely vacation, a business trip, or an adventure-filled escapade, this form of insurance provides travelers with the confidence to embrace new experiences and create lasting memories, knowing that they are protected by a robust safety net.

By recognizing the value of single trip travel insurance and taking proactive steps to acquire comprehensive coverage, travelers can embark on their adventures with the freedom to immerse themselves in the wonders of travel, knowing that they have a reliable support system in place, ready to assist them in navigating through the unexpected twists and turns of their journey.

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What is single trip travel insurance?

Article contents

In a nutshell

You might already have travel insurance, why get single trip travel insurance, what does single trip travel insurance cover, travel insurance excess, single trip travel vs annual multi-trip insurance, how to get travel insurance, how to claim, let’s recap.

Single trip travel insurance is financial protection (cover) for just one single trip (e.g. a holiday). You’ll be able to customise the cover to suit your trip, for instance a basic level for a beach holiday, or a bit of extra cover for a ski trip.

Find the best insurance deal in no time.

Getting away soon? Perhaps to a nice sunny beach or a city break? You’ll definitely want to sort travel insurance – and probably single trip travel insurance (it’s the most common type of travel insurance). If you haven’t guessed yet, it’s simply travel insurance for one trip (e.g. a holiday).

The main alternative is annual multi-trip travel insurance , which is where you can be covered for all of your trips across the year. It’s great if you have lots of trips planned, but there's more limitations (such as how long you’re away), so it all depends on which trips you’re going on (and things like your personal items), as to whether it will be cheaper or not.

Here’s a rundown of everything you need to know about single trip travel insurance.

A quick heads up, you might already have travel insurance in place with your bank account – some offer travel insurance if you pay a monthly fee (normally over £10 per month). 

If you are paying a fee, have a quick check, it should cover your family too (if you have one), so you might not need to get extra insurance for every trip away. Although it’s always worth checking what’s covered for each trip you take, as you might need extra insurance for certain holidays – and that’s where single trip insurance can come in.

When you think travel insurance, you’re probably thinking single trip travel insurance – it’s the most common and often simply goes by the general term ‘travel insurance’.

It’s perfect for pretty much every holiday or trip that you take as you’re able to determine what you want covered (e.g. medical treatment), and what you don’t want covered (e.g. skiing protection). Meaning it’s completely personalised insurance, just for you and your trip. 

And that means the best value insurance too – you won’t be paying for anything you don’t need, you’ll be paying for just the right amount of cover for you and your trip.

Get a travel insurance quote

Find the best deal for you in no time with Confused.com.

Not quite sure what is actually covered with travel insurance? Here’s a run through of what we recommend as essential, and additional cover (if not included in the essential cover).

Essential cover

Here’s what every single trip travel insurance policy should cover:

• Medical bills
• Getting you home
• Holiday cancellation (out of your control)
• Missed departures and delays (out of your control)
• Lost or stolen luggage and personal belongings
• Damage to property or injury to someone else (personal liability cover)

Recommended additional cover

Here’s what we recommend to include:

• Emergency dental care
• Cash and cash equivalents (e.g. pre-paid tickets)
• Lost passport
• Terrorism (we’re being serious)

Specialist cover

And if you’re jetting off for some adventure, it’s best to get the right specialist cover:

• Winter sports cover
• Extreme sports cover
• Adventure sports cover
• And more cover, specific to your holiday

If you’d like more information on each, take a look at our guides to what travel insurance covers and what travel insurance does NOT cover . We’ll run through the main points below.

Medical cover

Unfortunately only the UK has free medical care for us Brits (thanks NHS!), so if you have an accident and get injured or fall ill abroad, you’ll be looking at some hefty fees – medical care is very expensive. It’s around £15,000 for a broken leg when abroad, and up to £100,000, if not more, for long hospital stays.

And emergency medical expenses such as an air ambulance at a ski resort isn’t worth thinking about. Getting travel insurance to cover your medical bills is essential – it’s simply not worth the risk.

Most travel insurance policies will normally get you home too if your plans need to change (called repatriation), and sometimes the insurance will even pay to fly a friend or family member over, and fly back with you.

Note: the European Health Insurance Card (EHIC), and the Global Health Insurance Card (GHIC), which replaces the European card following Brexit, is great, and you’ll get free or reduced medical treatment costs in most European countries – but it’s not a replacement for travel insurance.

Oh and one more thing, if you’ve got any pre-existing medical conditions, and don’t share them with the insurance provider beforehand, they typically won’t cover any medical expenses related to them. It’s best to be upfront and honest when taking out the policy.

Cancellation cover

If you can’t go on your trip for any reason outside of your control, you’ll normally be compensated for the cost of your holiday, or up to a certain limit that you decide when you take out the policy (e.g. up to £4,000).

Common reasons for cancellation include:

• An injury or illness, either yourself or a close family member
• The loss of a close family member
• Attending court either as a witness or part of jury service
• Losing your job (redundancy)

If your flight is delayed or cancelled, the airline should normally rearrange this for you, or provide a refund. If it’s over 24 hours, or affects more of your trip, your travel insurance company can get involved and potentially provide compensation (your money back).

Lost luggage and personal items cover

If your luggage goes missing (which surprisingly, can happen a lot at airports), or any of your personal items while on holiday, or if they’re stolen, you can be compensated by your travel insurance company (if they’re not returned to you).

You’ll have a set limit for all of your items together, which you decide when you take out the policy (we recommend at least £5,000), and also a limit per item. So, if you’re travelling with expensive items, such as film cameras, it can often be a good idea to take out extra separate gadget insurance to cover those items specifically.

Note: you’ll only be covered if your items are safely looked after. If they’re left unattended, or not stored safely, you likely won’t be covered.

Passport cover

Your passport can also be covered too (if you lose it or it's stolen). And the travel insurance company will compensate you to replace it.

Personal liability cover

This is super important. Personal liability cover is insurance for you if you get into an accident involving someone else or their property (e.g. your hotel room). This covers all the legal expenses if they try to claim compensation from you – and the legal fees can be eye watering (sometimes into the millions).

With some policies they can also give you legal advice to claim compensation if you’ve been in an accident due to someone else's fault.

Sports cover

If you’re getting away for some sports (such as golf or skiing), or travelling with expensive sports equipment, you can be covered with this insurance, although usually as an extra addition, or specialist cover just for this.

The extra costs if something goes wrong, such as emergency medical treatment or replacing expensive equipment, means insurance companies want a bit more extra cash to cover you before you go.

Family cover

If you’re travelling with your family (a partner and kids), you can normally get insurance to cover all of you, in one single policy. Which makes things a bit easier!

The level of cover is normally the same as if you were just buying the insurance for yourself too, but of course, you’ll pay a bit extra to cover everyone – it normally works out cheaper than buying insurance for everyone individually.

With all types of insurance, you’ll normally have to pay money out yourself if you want to make a claim (which is asking the insurance company to pay out and give you money), and this is called an excess. It’s intended to stop fraud, and people claiming small amounts of money.

With travel insurance, expect an excess of around £150-200, but you can adjust this up or down if you want to, which will change how much your insurance premium is (the cost of your insurance). A lower excess will mean a more expensive premium, and vice versa.

If you’re going on multiple trips away this year, you’ve got two options, either single trip cover for every holiday, or multi-trip cover that lasts for the whole year (12 months).

You might be able to save money if you take out multi-trip cover, but only if the level of cover you need is pretty similar for every trip, otherwise, it’s often best to get single trip cover for each trip.

Imagine you have a holiday to Spain for 2 weeks on the beach, and then another holiday skiing in Canada – they’re pretty different, and with the ski trip, you’ll need a very high level of cover that covers you worldwide (Canada), and for skiing (winter sports).

If you were to arrange a high level of cover for the whole year, it’s going to work out pretty expensive, especially if you only need it for one trip – meaning you’ll likely be paying over the odds for your cover to Spain where you’re simply chilling on a sunny beach.

So, often, single trip cover can work out cheaper per trip if you need specialist cover for things like skiing, and worldwide travel, but not for the whole year.

The good thing about travel insurance is that it’s super easy to get – in fact, you can be covered in less than 10 minutes.

All you need to do is first determine the level of cover you’d like, for instance, are you heading off to the Alps for a ski trip, or do you just need the standard level of cover for a family holiday to Tenerife? This doesn’t need to be set in stone, a rough idea is fine.

After that, head off to a travel insurance comparison site. Not sure what one is best? We recommend Confused.com ¹, and have listed all the best comparison sites below. On the website, you’ll be asked a few questions about you, and the trip you’re going on – and then they’ll work out the best insurance deal for you in just a few seconds.

Then it’s simply picking the best deal that suits the insurance you’re after (normally the cheapest one from the shortlist). And then click through to the insurers website, you should have all your details pre-filled, have a check through, and then simply buy the insurance. Simple right?

You’ll typically be covered immediately, and have all the insurance documents sent to you (the single trip insurance policy), and often an online account will be created for you, and all your insurance documents will be stored safely for you, ready for if you need them again.

We recommend printing out your documents if you can, or save them to your phone. That way, they’re handy if you never need them on your trip.

If you want a bit more information, check out or guide on how to get travel insurance .

Best travel insurance comparison sites

Confused.com.

This normally has the cheapest travel insurance quote for most people.

Confused.com will compare up to 40 travel insurance companies (and all the largest companies).

They'll cover all the main types of insurance (e.g. pre-existing medical conditions, winter sports etc).

You can get a quote in just a few minutes too.

Compare The Market

comparethemarket.com will search 42 travel insurance companies to find you the right deal.

They'll cover all the main types of insurance (e.g. pre-existing medical conditions, winter sports etc.)

MoneySuperMarket

MoneySuperMarket compares 35 travel insurance companies to find a great deal for you.

Remember we mentioned keeping a copy of your insurance documents? This is so you’ll know how to claim if someone goes wrong – and it can be a stressful time, so it’s great to be prepared beforehand.

Your insurance company will provide you with a direct contact number to get in touch. Call this, and they'll guide you through everything you need to do – and will help resolve any issues. Simply tell them everything that has happened and they’ll know what to do.

If you claim later, when you’re back home, there can be a time limit, so it’s best to call them as soon as you can. Get in touch with your insurer and they’ll run through how to claim, which is normally filling in some forms, and showing proof of ownership (if you’re claiming for lost items).

Has that made single trip travel insurance a bit easier to understand? We hope so!

Travel insurance is essential when travelling anywhere, and often getting single trip insurance is the best way to go – you can decide the exact cover you want, such as just the essentials for a beach holiday, or the full works if you’re heading off to a remote mountain to ski. 

And that means, you won’t be overpaying for insurance that you won’t need, and have just the right extra cover suited just for you and your holiday.

If you’re a keen jetsetter, the alternative is annual travel insurance, which can cover you for the whole year, and all of your trips. For more low-key, basic holidays, this can work out cheaper, but if you’re throwing in a holiday that needs extra cover (e.g. skiing), you might find that the cost to cover you for the whole year is a bit too much – so you can either get annual insurance for the basics and single trip insurance with specialist cover for your ski trip, or simply single trip for each holiday.

Either way, the best way to get the best deal for you is to use a travel insurance comparison site. We recommend Confused.com ¹, as they’re super quick and easy, and they’ll search most of the deals out there to find you the cheapest price for the right amount of cover.

And that’s it. All the best finding the best deal, and enjoy the trip!

This article was written by the team at Nuts About Money, and fact-checked by 2 independent reviewers. You’re in safe hands.

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• Single trip travel insurance | Is it the right insurance for you?

Single trip travel insurance

Compare single trip travel insurance policies and find the best deal on travel insurance with our comparison tables

Do I need single trip travel insurance?

Single trip travel insurance covers you for one trip with a specified start and end date. It may be a cheaper option than annual travel insurance (also known as multi trip travel insurance) if you don't take many trips during the year.

A single trip policy may also be useful if you are doing an activity, or visiting a country, insurers consider high risk, as you will only be paying the premium for the time you are taking that additional risk.

If you plan to go abroad several times a year for normal activity holidays, you may find that annual travel insurance offers better value.

Compare travel insurance quotes

Search for annual or single trip travel insurance with Uswitch and theIdol.com*

What are the advantages of single trip travel insurance?

If you will only have one holiday this year then a single trip policy is likely to be the best solution. If you travel more frequently, or at short notice, an annual policy may offer greater flexibility.

You need to add up all the trips you plan to go on, and compare quotes for annual insurance to your single trip insurance quotes. Check the small print of your policy that all the countries you hope to visit and all the activities you intend to undertake are covered.

Compared to a multi trip, or annual policy, single trip travel insurance can be:

Cheaper - if you don't plan to go anywhere else in the next year.

More specific - if the nature of your trip and your journeys vary considerably with specific requirements such as, risky sports or more risky destinations, getting annual travel insurance may get too expensive. One trip to Africa and another trip to go skiing might not be covered under the same policy, for example.

However, there may be disadvantages. For example an annual policy may be more convenient if you want to suddenly decide to take a last-minute deal, or while on holiday, fancy crossing the border to another country, trying a new ‘dangerous’ activity, or staying a few days longer and extending your trip.

What should a single trip policy cover?

Single trip policies can cover illness and injury, holiday cancellation, loss of baggage, theft, emergency repatriation, public liability and personal accidents.

You should get access to a 24-hour emergency line to call in the event of an emergency, or to make a claim as soon as possible.

Most policies (38 of our 40) will now cover fully-vaccinated travellers for Covid risks - getting it, having to isolate, cancelling, being hospitalised while on holiday, curtailing your holiday and being repatriated. If you have not been vaccinated against Covid, then all Covid claims will be excluded.

It’s easy to see the exact Covid wording for each policy when you generate a list of quotes.

How much does single trip travel insurance cost?

Travel insurance for a single trip can cost just a few pounds. But if you're considering the cost of a policy, you need to  make sure that it covers all eventualities .

Make sure you aren't losing out on cover in important areas if you opt for a cheaper policy. Often policies which come as part of a credit card perks package, or travel insurance associated with your flight or travel package don't offer enough cover for emergencies.

The cost of travel insurance can vary greatly depending on many factors, including:

Where you are travelling

Whether you want single, joint or family cover

Pre-existing medical conditions

Cover limits

Extra cover for sports and activities

Using a price comparison site will make it easier for you to select your preferences and compare prices from lots of insurers, without having to fill in your details again and again.

One trip travel insurance

Single trip travel insurance is sometimes known as one trip travel insurance. When you're comparing costs and insurance policies, bear in mind that the best single trip travel insurance may not be the cheapest.

It's possible to buy single trip travel insurance for a single person, a couple travelling together, or family travel insurance for a single trip or destination.

If you're looking for worldwide trip cover, which involves onward travel, one way travel, or trip with no return leg to the journey, then you may need to use a specialist travel insurer.

You can use our single trip travel insurance comparison tool to find the best single trip travel insurance policy for you, and compare prices and find the best travel insurance rates.

When to buy travel insurance

While you might only remember to buy travel insurance when you're packing your suitcase, ideally you should take out cover as soon as you've booked.

Good quality travel insurance policies will cover you for cancellation, and if you take out your policy as soon as you've booked, you'll be covered straight away. You may find that you cannot cancel for Covid for the first 48 hours - to stop people who found they had Covid from buying insurance and immediately claiming cancellation costs.

If you wait until nearer to your holiday and then have to cancel, you won't be covered if your policy isn't in place yet.

For more information about travel insurance, check out our guide based on  frequently asked questions .

How to choose a single trip travel insurance policy

If you've decided you need a single trip policy instead of annual cover, you should also look out for these factors when choosing your cover:

Do you need worldwide or European cover?

How many days' travel will you be covered for in total?

Does the policy include baggage cover, and is the limit high enough?

What’s the single article limit for valuables and gadgets?

Do you already have cover for your belongings away from home with your home insurance?

Is your cash covered for loss or theft?

Is the cancellation cover limit high enough to cover the cost of the booking?

Have you declared any pre-existing medical conditions? (If you don’t declare any illnesses that you have, your claim could be rejected.)

Are there any exclusions?

Can you afford to pay the excess if you need to claim?

Are you covered for any planned activities, such as skiing and scuba diving?

If you have a pre-existing condition, you can still get a quote. These conditions could include cancer, stroke, serious heart, respiratory and terminal conditions.

Some insurers might not cover you if you already have a serious medical condition, or if you have a number of conditions. Others might only offer insurance at a much higher price. If you're unable to find suitable cover, the Money and Pension Service (MaPS) also access to a directory of insurance brokers willing to cover customers with pre-existing medical conditions.

You can contact the  Money and Pensions Service (MaPS)  or you can telephone 0800 138 7777.

*To help you compare travel insurance policies and find the right cover for your requirements, Uswitch has selected  theIdol.com  to provide you with quotes. Quotations are provided by  theIdol.com  on a non-advised basis. This means that no advice is given or implied and you are solely responsible for deciding whether the policy is suitable for your needs.  theIdol.com  is a trading name of Investment Discounts Online Ltd and is registered in England and Wales, registration number 04231834. Registered address One Coleman Street, London, EC2R 5AA. Authorised and regulated by the Financial Conduct Authority, registration number 197451. Investment Discounts On-Line Ltd is part of the Legal & General Group. This can be confirmed at  http://www.fca.org.uk/ . View  theIdol.com 's  Our Services Document ,  Privacy policy  and  Terms & Conditions .

Read more ...

• Annual travel insurance | Is multi-trip travel insurance for you?
• What does travel insurance really cover?
• Travel Insurance FAQs | Guide to Travel Insurance

What is the difference between a Single Trip policy and a One Way policy?

A One Way policy is intended to cover 2 types of travel:

Emigrating to a country where you intend to live permanently

For Example: You're moving to Australia, permanently, but are travelling through Europe and then onto South East Asia before you arrive in Australia. You're moving to New Zealand, and are taking a direct flight. (A stopover of 48 hours anywhere in the world is included)

Returning to your home country permanently.

For Example: you've been in the UK or other EU country under a temporary working holiday visa, it has come to an end and you need cover for your flight back home.

If none of the above is applicable to you, please select Single Trip.

Please note all cover ceases upon arrival at final destination.

Big Cat Travel Insurance Services, a trading name of Flynow.com Ltd (registration No.FRN 745388)   is an Appointed Representative of Campbell Irvine Ltd (registration No.306242) who are authorised and regulated by the Financial Conduct Authority. You may check this on the Financial Services register www.fca.org.uk  or by contacting them on (0) 800 111 6768. © 2023 Big Cat Travel Insurance Services.  All rights reserved.

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List of automatically covered medical conditions that do not need to be declared

Acne, ADHD, Allergic reaction (Anaphylaxis) provided that you have not needed hospital treatment for this in the last 2 years, Allergic rhinitis, Arthritis (the affected person must be able to walk independently at home without using mobility aids), Asthma (the diagnosis must have been made when the affected person was under the age of 50, and the asthma be controlled by no more than 2 inhalers and no other medication), Blindness or partial sightedness, Carpal tunnel syndrome, Cataracts, Chicken pox - if completely resolved, Common cold or flu, Cuts and abrasions that are not self-inflicted and require no further treatment, Cystitis - provided there is no on-going treatment, Deafness, Diabetes (which is controlled by diet or tablets only), Diarrhoea and vomiting - if completely resolved, Eczema, Enlarged prostate - benign only, Essential tremor, Glaucoma, Gout, Haemorrhoids, Hay fever, Ligament or tendon injury - provided you are not currently being treated, Macular degeneration, Menopause, Migraine - provided there are no on-going investigations, Nasal polyps, PMT, RSI, Sinusitis - provided there is no on-going treatment, Skin or wound infections that have completely resolved with no current treatment, Tinnitus, Underactive Thyroid (Hypothyroidism), Urticaria, Varicose veins in the legs.

Important information

If you have a medical condition in addition to any of the automatically covered medical conditions, all conditions will be excluded from cover unless declared to the medical screening helpline.

What is classed as a medical condition?

a Any respiratory condition (relating to the lungs or breathing), heart condition, stroke, Crohn’s disease, epilepsy, allergy, or cancer for which you have ever received treatment (including surgery, tests or investigations by your doctor or a consultant/ specialist or prescribed medication).

b Any psychiatric or psychological condition (including anxiety, stress and depression) for which you have suffered which you have received medical advice or treatment or been prescribed medication for in the last five years.

c Any medical condition for which you have received surgery, in-patient treatment or investigations in a hospital or clinic within the last 12 months, or for which you are prescribed medication.

Any premium for medical screening quoted can be paid directly. This can be done either before or after taking out a policy with us. The policy and medical extension connect automatically, no reference numbers need to be exchanged.

Choosing not to declare a medical condition will not invalidate cover, but any costs incurred in relation to an undeclared condition will not be covered.

If making a declaration all medical conditions must be declared, you can't choose to only declare certain conditions.

Medical conditions can only be declared for up to 12 months at a time. A second declaration will have to be made after 12 months if necessary.

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Single Trip Travel Insurance

A single trip is when you are leaving home and returning home only once and traveling for a specified time period, regardless how many countries you will be visiting.​ When you leave your home country, your health insurance may or may not cover you; it may be limited (out of network) and most likely will not provide transportation back home in the event that you need to be evacuated.  Medicare, for example, does not cover you abroad.

Single trip travel medical plans usually provide coverage for

Emergency medical expenses, doctor’s fees and hospital stays

Emergency medical evacuations and repatriation

Accidental death and dismemberment (AD&D)

A number of optional riders are available for those purchasing single trip travel medical insurance, including

Athletic and sports coverage for participation in team/contact sports

Hazardous activity coverage for scuba diving, skiing, mountain climbing, sky diving, etc.

If you require a Single Trip Plan that includes cancellation coverage to cover your non-refundable trip costs, you will need to purchase a comprehensive travel insurance plan  (Trip Cancellation)

Buying a travel insurance policy for each single trip is likely to work out the cheapest option if you’re only planning to take one or two trips a year. If you plan to travel more frequently over the course of one year, an annual/multi trip travel insurance policy is likely to be the best option and worth considering.

Recommended Plans

Geoblue voyager  essential (for us citizen or and residents).

Ideal for international leisure, missionary or business travel.

Coverage of COVID-19 testing and treatment.

Post-departure trip interruption up to $500.

Choice of varying medical limits and deductibles.

For trips outside the U.S. up to 6 months for ages 95 and younger*.

Covers pre-existing conditions for medical evacuation.

Does not require a primary health plan.

Underwritten By: United States Fire Insurance Company

Underwritten Location: 5 Christopher Way, Eatontown, NJ 07724

Seven Corners Travel Medical Insurance - Including USA

International Travel to the USA. These plans include customizable medical coverage, a network of medical providers, and 24-hour travel assistance, Covid will be treated same as any Illness on both plans. 

Examples of eligible purchases for Travel Including the USA

A non-U.S. resident and non-U.S. citizen is traveling to the USA.  

A non-U.S. resident and non-U.S. citizens is spending part of their trip in the USA.  

An Irish citizen and resident is flying to Mexico and has a layover in the USA. 

A Mexican citizen and resident is driving through the USA to Canada. 

2 Plan Levels available

Seven Corners Travel Medical Choice

The plan covers typical vacation activities. If you plan to participate in more adventurous activities when you travel, consider buying additional optional coverage that includes: Bungee jumping; caving; hang gliding; jet skiing; motorcycle or motor scooter riding whether as a passenger or a driver; parachuting; paragliding; parasailing; scuba diving only to a depth of 10 meters with a breathing apparatus provided that you are SSI, PADI or NAUI certified; snowmobiling; spelunking; wakeboard riding; water skiing; windsurfing; or zip lining. You must purchase this optional coverage if you wish to be covered while riding a motorcycle, motor scooter, or similar transportation when such transportation is an established and accepted routine means of public transportation for hire in the specific geographic area where you are located in the host country.

AM Best Rating: A (Excellent)

Underwriter: crum & forster spc, seven corners travel medical insurance - excluding usa.

International Travel outside of the USA. These plans include customizable medical coverage, a network of medical providers, and 24-hour travel assistance, along with the option to add COVID-19 coverage through their Plus plan.   

Examples of eligible purchases for Travel Excluding the USA

A U.S. resident is traveling outside the USA.   

A non-U.S. resident and non-U.S. citizen is traveling outside the USA.   

A French citizen and resident is flying to Iceland and returning home. 

An Australian citizen and resident is flying to Europe, Africa, and Canada.  

2 Plan Levels

Basic, Choice 

Choice covers COVID in two tiers

Same as any illness up to Age 65

Up to $100,000 for Ages 66 and up

  The plan covers typical vacation activities. If you plan to participate in more adventurous activities when you travel, consider buying additional optional coverage that includes: Bungee jumping; caving; hang gliding; jet skiing; motorcycle or motor scooter riding whether as a passenger or a driver; parachuting; paragliding; parasailing; scuba diving only to a depth of 10 meters with a breathing apparatus provided that you are SSI, PADI or NAUI certified; snowmobiling; spelunking; wakeboard riding; water skiing; windsurfing; or zip lining. You must purchase this optional coverage if you wish to be covered while riding a motorcycle, motor scooter, or similar transportation when such transportation is an established and accepted routine means of public transportation for hire in the specific geographic area where you are located in the host country.

Underwriter:  Lloyd’s of London and in specific scenarios Tramont Insurance Company

Patriot platinum travel.

COVID-19 covered same as any other illness

Travel medical insurance for individuals, families and groups

Coverage for acute onset of pre-existing conditions

Renewable up to 36 months

Deductible options from $0 to $25,000

Maximum limits from $2,000,000 to $8,000,000

AM Best Rating - A+

Globally recognized underwriters

 A-rated Sirius International Insurance Corporation (publ) and certain underwriters at Lloyd's

What is Single Trip Travel Insurance?

Single trip travel insurance.

A single trip travel insurance policy is designed to provide insurance coverage for a one-off return journey trip to one or more overseas destinations. This policy will run for a specified time, with some insurers offering a maximum of 30/31 days, and others offering up to around 3 months.

The idea of a single trip normally implies a journey to a specific country, either for a holiday, possibly a wedding or even a short weekend break. It can also include trips to several different countries so long as they are all part of the same holiday.

As insurance companies issue this type of policy on a geographical basis, it is important to remember to take the widest possible range of geographical cover provided.

Types of Policy

A single trip travel insurance policy will provide a range of different benefits, although the extent of that coverage will vary with different insurance companies.

Also, most insurance companies will offer different plans within the context of a single trip policy, often labelling them with titles such as Standard, Premiere, Premier Plus, Platinum, Sapphire, Emerald, Gold, Diamond etc.

Most of these plans will offer the same type of cover but with differing financial limits and different levels of policy excesses or deductibles.

Many insurance companies will provide specimen policies and policy wordings on their website which can be downloaded as a free pdf.

Also, many countries have consumer laws allowing for what is known as a cooling-off period after a policy is taken out, normally 14/21 days. This gives people time to look through the policy, check if it is appropriate for their needs and if not cancel it and obtain a refund of premiums paid.

Single trip cover provides travel insurance for a single holiday trip that can include more than one country.

If you embark on two or more trips annually, opting for an annual travel insurance plan may prove more cost-effective than purchasing two separate single trip policies.

However, if you embark on a holiday only once a year, single trip insurance may offer better value.

The choice of insurance policy depends on your destination, and you can normally select from the following options:

• European single trip travel insurance
• Worldwide single trip travel insurance that includes USA, Canada, Caribbean, and Mexico
• Worldwide single trip travel insurance that excludes the above countries, but includes the rest of the world.

What a single trip travel insurance policy normally covers

• Cost of medical treatment and repatriation: Coverage in the event of an accident or illness while you’re abroad, including provisions for air ambulance services and repatriation to your home country if necessary.
• Cancellation and Curtailment: Protection against financial losses if you need to cancel or cut short your trip for reasons specified in your policy. This can often be a contentious issue as to what is and is not covered.
• Flight Cancellations: The possibility to make a claim if your flight is cancelled or delayed for over 24 hours, or if you’re not rebooked on a new flight within 24 hours (refer to the policy for specific details).
• Stolen or Lost Baggage: Compensation for lost or damaged luggage, offering financial support when airlines fail to properly handle your belongings.
• Lost or Stolen Valuables and Personal Money: Coverage for lost or stolen cash and traveler’s cheques, with some policies having limits. Consider adding extra gadget insurance for specific valuable items.
• Personal Accident Insurance
• Some Legal Expenses

A single trip travel insurance policy can normally be upgraded to include areas such as

• Cruise Cover
• No Excess Policy
• Covid Cover
• Winter sports cover, skiing etc
• Adventure Holidays
• Sports and Activities Cover

Trip Duration

A single trip travel insurance policy will vary widely in terms of the duration of the trip or policy – this normally depends on the age of the person or people insured on the policy, and the reason for travel.

This type of policy is normally intended for what might be called normal holidays or travels, as opposed to people wanting travel insurance for extended stays in a country, backpacking etc where separate insurance policies are more appropriate.

Health Requirements

A single trip travel insurance will require the proposer to answer a number of medical screening questions to determine their eligibility to be accepted for the travel insurance policy.

This can sometimes seem a bit daunting. The intent is for the insurance company to assess the likelihood of medical problems arising when overseas, based on known facts declared before travel.

The insurance company is most interested in what are known as pre-existing conditions, which can pretty much be any medical illness or disease going back over a period of time.

Insurance companies can differ quite considerably in their attitude to pre-existing condition, in terms of what they are willing to cover and at what cost, so it is worth shopping around if this is applicable to you or anyone you are travelling with.

What is really important is that you are completely honest in answering all questions – failure to do so could well result in a claim being denied at a future date.

The medical screening questions are either normally done online or via telephone. It is also important to notify the insurance company if your health changes between taking out the policy and starting your travels.

A single trip travel insurance policy will normally cover someone who is pregnant, but certain time limits normally apply and will be specified in the policy. It is also important to check with the airline what their policy is.

It is worth noting the travel insurance policy would exclude what is known as medical tourism, which in this case would mean someone flying to another country ie USA, specifically to give birth in order to gain citizenship.

Single Trip Travel Insurance Claims

In the event of you needing to make a claim there are a couple of things to be aware of. The policy will normally contain a 24 hour emergency line that you can ring in the event of a medical emergency and get help from.

The policy will have quite strict time and date requirements as to when the insurance company must be notified of either a hospital admission or claim under the policy.

It is worth checking with the insurance company if they will pay any hospital bills directly, or if they expect you to pay up front and then make a claim to be paid back for any costs.

In the event of making any claim, the insurance company will require a certain amount of documentation in order to verify the claim details, normally known as claims evidence. What documentation is required should be specified in the policy document.

The single trip travel insurance policy will have what is referred to as a schedule or table of benefits. This will spell out in detail what financial compensation you are entitled to if a valid claim is made under the relevant section. Some sections may not apply to your policy and as such would not be valid.

Cancellation of Trip and Trip Disruption

This is often the most contentious area of disputes relating to travel insurance policies. Insurance companies are very specific as to what they will and won’t cover in the event of a trip needing to be cancelled or delayed, and the reasons for it.

The insurance policy will spell out these terms and conditions of cover in a  specific section of the policy.

Personal Belongings

A single trip travel insurance policy will normally cover someone’s personal effects and their baggage against most types of loss or damage.

Items classed as valuables will normally be covered, but may need a different section. There is likely to be a single article limit, as well as a overall limit for valuable items. Some insurance companies deem items such as laptops and tablets as valuables.

You will be expected to take sensible precautions against loss of valuables – if not any claim may be declined. The example normally given is not leaving valuables such as a camera unattended in a cafe or visible in an unoccupied car.

Different Levels of Single Trip Travel Insurance

Most insurance companies offer different levels of cover for their travel insurance policies, which in effect are basic, average and premium, although they will use much nicer terms.

All will have some level of cover as described above, but the premium policy is likely to include perks such as access to a complimentary airport lounge in the event of a plane delay.

A single trip travel insurance policy will have a built in expectation that you have the correct travel documents you need in order to enter the country you are visiting.

• sign your passport and complete the emergency contacts page
• ensure that your passport meets the entry requirements for the country you are visiting (for example, it may need to be valid for a set period after your trip ends)
• get the correct visa for your destination
• take an extra form of photo ID with you, other than your passport
• if you are travelling with children check whether you need extra documentation
• if you plan to drive abroad check whether you need an International Driving Permit (IDP)

Policy Exclusions

All single trip travel insurance policies will have some exclusions, and it is worth being aware of them before travelling so as not to be caught unaware.

Review the coverage of your insurance policy in the following areas:

• Alcohol and Drugs: Most travel insurance policies exclude events occurring after excessive alcohol consumption or the use of recreational drugs or other substances.
• High-Risk Destinations: Check whether your travel insurance covers trips to destinations deemed high-risk by your national government. If they advise against all but essential travel or all travel to a specific country, your policy may not provide coverage. Review your policy details and the relevant country travel advice pages before booking your trip and purchasing insurance.
• Mental Health Conditions: Some policies may not cover treatment related to pre-existing mental health conditions. Refer to foreign travel advice for individuals with mental health issues for additional guidance.
• Age Restrictions: When purchasing a policy, verify if there are any age-related restrictions. If so, seek guidance on selecting the appropriate level of cover, obtaining the best deal, and making a travel insurance claim. Specialized advice is often available for travellers over 65 or those with pre-existing medical conditions.
• Adventure Sports: Standard policies typically do not include coverage for activities such as bungee jumping, jet skiing, winter sports, skydiving, quad biking, or moped rentals.
• Driving Overseas: If you plan to drive overseas, check the driving abroad guidelines. For rental cars, assess the coverage provided by the rental company. If using your own vehicle, review your motor insurance policy to understand the extent of coverage.
• Terrorist Acts: Most policies offer limited coverage for terrorist acts. At a minimum, ensure your policy covers emergency medical expenses and repatriation in the event of a terrorist attack. Some insurers offer add-ons for additional coverage in case of a terrorist attack in your destination, including cancellation cover if your trip is affected before departure.
• Other Incidents: Some policies provide limited coverage for claims related to natural disasters (e.g., earthquakes or tropical cyclones) or civil unrest. Additionally, coverage may be restricted for incidents (e.g., strikes or industrial action) that were publicly known when you booked your trip or purchased your travel insurance.
• Travel Insurance
• Multi-trip Travel insurance
• Annual Travel Insurance
• Single-trip
• Backpacker Insurance
• Health Insurance
• Medical Conditions
• Women / Solo Travellers
• What are the Best Travel Dresses for Women
• How to Get Travel Insurance Claims Settled
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• What is Cancellation Travel Insurance? 
• What is Medical Travel Insurance?
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• Difference between International and Domestic Travel Insurance?
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• What is Group Travel Insurance?
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• Women Travellers

Annual vs Single Trip Travel Insurance

Many people have started packing their luggage to airports and started travelling again. So are you too? But before your excitement kicks in, don’t leave out the most essential – travel insurance!

Travel insurance covers risk during travel against financial loss. It covers a range of possibilities such as loss of passport and personal belonging cover, loss of checked-in baggage, etc. When choosing a travel insurance policy, you will have two options if you want to buy an annual trip or a single trip cover.

So which one should you consider purchasing? Read on as we explain the differences between these two to help you make an informed decision.

Annual travel insurance

Annual travel insurance covers multiple trips for a year from the date the policy starts. The plan covers a whole year of trips, whether for business or pleasure, up to a certain maximum duration for each trip.

There will be a limit on the number of days you can travel for each trip depending on the insurers. You will often be allowed to select from 30, 45, or 60 days of cover for each trip.

Annual travel insurance plans are ideal for those who often travel within a year. It is affordable if you frequently travel as the policy is generally less expensive than insuring multiple trips individually.

Single trip travel insurance

Unlike annual travel insurance, a single trip policy covers you for a one-off holiday. The coverage period ends when you come home. You can choose which country you want to cover.

This type of policy is usually cheaper than an annual one. You are just paying for the number of days of your holidays.

However, please note the cost can add up if you go on several holidays each year and take out a single policy each time. A single policy can work out more expensive per trip compared to an annual policy.

What does annual vs single trip travel insurance cover?

Both types of travel insurance policy will typically cover:

*Note: Please note that the coverage may vary across insurers. Please check with your preferred insurance company.

Annual vs single trip travel insurance: Which one should you choose?

Your choice of travel insurance depends on your travel needs. Consider the number of trips and the total number of days you plan to travel for all trips in 12 months.

Annual coverage is ideal for you if you’re planning more than one trip. It is convenient to have a year-long travel insurance policy in place. You don’t need to worry about cover every time you book a flight.

However, if you are not looking forward to flying that often, you should opt for single-trip travel insurance.

Bjak is one of Malaysia’s biggest insurance comparison websites, offering policies from over 10 brands. Get your free insurance quote from Bjak today!

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Money latest: Cost of raising child to age 18 revealed in new research

Crisps are on the menu for the Money blog today as we see where you can make healthier choices for the best value. Elsewhere, the boss of Sainsbury's has insisted customers like self-checkouts - do you agree? Leave your thoughts in the box below.

Friday 26 April 2024 12:37, UK

• New research reveals cost of having children
• Sainsbury's boss insists customers like self-checkouts
• FTSE 100 hits another record high
• Halifax hikes mortgage rates - as entire market moves upwards

Essential reads

• Do smart meters actually save you money?
• How to buy the healthiest crisps
• The world of dark tourism - what is it, is it ethical and where can you go?
• Money Problem : I have a mortgage offer - will it change now rates are rising?
• Savings Guide : Why locking into fixed-rate bond could be wise move
• Cheap Eats : Michelin chef's secret lasagne tip - and expensive ingredient you shouldn't use

Ask a question or make a comment

The UK could face a shortage of cava due to a drought in the sparking wine's Spanish heartlands.

The Penedes area of Catalonia is dealing with its worst drought on record, with vineyards across the region so parched the roots of 30-year-old vines have died.

It's left shrivelled red and green grapes languishing under intense sun, fuelled by fossil-fuel driven climate change.

Cava is an increasingly popular drink in the UK, with 17.8 million bottles sold in 2023 - an increase of 5% from the previous year, when Britons stocked up on 16.8 million bottles, according to the Cava Regulatory Board.

That makes the UK the fourth-biggest buyer, behind only the US, Belgium and Germany.

Workforce slashed

The problems have been compounded after Catalonia-based cava producer Freixenet announced it will temporarily lay off 615 workers, almost 80% of its workforce.

Under Spanish law, companies facing exceptional circumstances can lay off staff or reduce working hours.

This measure is expected to take effect from May and it is not known how long it will last.

Price rises

One industry source told retail publication The Grocer  that cava shortages would push up prices "certainly for next year" if there isn't enough supply.

This could last for years if the drought persists, they added.

Consumer expert Helen Dewdney told MailOnline the staff cuts at Freixenet can only mean one thing - price rises.

However, she added, supermarkets say they are not experiencing any issues right now.

Parents are being hammered by rising childcare costs, according to a new study that suggests they may spend more than £160,000 raising their child to the age of 18.

Research by Hargreaves Lansdown has found that parents with children pay £6,969 a year more than couples without.

Over 18 years and assuming an annual inflation rate of 3%, that amounts to a whopping £163,175, the investment platform said.

Its study also found that parents were less likely to have money left at the end of the month.

Single parents carry the biggest burden, with the research suggesting they have just £85 left on average compared to £365 for couples with children.

Hargreaves Lansdown also found just 23% of single parents reported having enough emergency savings to cover at least three months' worth of essential expenses, compared to 63% of couples with children.

Parents are also at a slight disadvantage when it comes to pensions, the research found, with only 43% of couples with children on track for a moderate retirement income, compared to 47% without. Only 17% of single parents have a decent projected pension fund.

Sarah Coles, head of personal finance at the firm, said "having children is one of the most expensive decisions a person can make".

She adds that as a result of having a child, "financial resilience suffers across the board", and added: "For single parents, life is even tougher, and they face far lower resilience on almost every measure.

"It means we need all the help we can get."

By Daniel Binns, business reporter

One of the top stories shaking up the markets this morning is that UK-based mining company Anglo American has rejected a major $38.8bn (£31bn) takeover bid.

Details of the attempted buyout by Australian rival BHP emerged yesterday  - sending Anglo American shares soaring.

The deal would have created the world's biggest copper mining company - with the news coming as the price of the metal hit record highs this week.

However, Anglo American has now dismissed the proposal as "opportunistic" and said BHP had undervalued the company.

Anglo's shares are slightly down by 0.8% this morning - suggesting investors may not have given up hopes that a deal could eventually be agreed.

However, overall the FTSE 100 is up around 0.4% this morning, buoyed by strong reported earnings from US tech giants Microsoft and Google owner Alphabet.

It's helped the index, of the London Stock Exchange's 100 most valuable companies, hit yet another intraday (during the day) record of 8,136 points this morning.

The winning streak comes after a week of all-time highs on the index - including a record close of 8,078 points yesterday. The score is based on a calculation of the total value of the shares on the index.

Among the companies doing well this morning is NatWest - despite the bank reporting a fall in pre-tax profits of nearly 28% for the first quarter of the year.

Shares in the lender are up more than 3% after its results were better than expected by analysts.

On the currency markets, £1 buys $1.25 US or €1.16, almost on a par with yesterday.

Meanwhile, the price of a barrel of Brent crude oil has crept up slightly to $89 (£71).

Self-checkouts - they're like marmite, people seem to either love them or hate them.

But the boss of Sainsbury's has claimed that his customers do  enjoy using self-checkouts, despite criticism that that machines don't always provide the convenience promised.

Simon Roberts told The Telegraph that there are more of them in Sainsbury's stores "than a number of years ago" as shoppers like the "speedy checkout".

But despite this, he said there won't be a time when they'll replace cashiers completely.

"Over the last year, where we've put more self-checkouts in, we're always making sure that the traditional kind of belted checkout is there," he said.

His comments come after northern supermarket Booths ditched self-checkouts at all but two of its sites after customer feedback. 

Walmart and Costco in the US have also scaled back on the systems.

Let us know in the comments - do you love or hate self-checkouts?

We've all heard consumer advice that's repeated so often it almost becomes cliché. So, every Friday the Money team will get to the bottom of a different "fact" and decide whether it's a myth or must.

This week it is...

'Smart meters save you money'

For this one, we've enlisted the help of Dr Steve Buckley, also known as the Energy Doctor and head of data science at Loop...

So do smart meters help you save? 

"The short answer is both yes and no," Steve says.

"Installing a smart meter by itself won't magically reduce your energy consumption. But, by giving you easy access to your energy usage data, smart meters pave the way for savings that you couldn't achieve otherwise."

Before smart meters, most households only found out how much energy they had used when the bill arrived. 

By that stage it's too late to address wasteful usage, leading to what's known as "bill shock". 

"With a smart meter, you can see your usage and costs in real-time through an in-home display or an app provided by your supplier," Steve says. 

"This immediate feedback encourages you to use less energy. If you measure it, you can control it."

In 2022, the Department for Energy Security and Net Zero found that homes with smart meters used about 3.4% less electricity and 3% less gas. 

"This might not seem like a lot, but it adds up to a saving of over £50 per household annually," Steve says.  

If all homes in the UK made similar cuts, that would amount to savings of around £1.5bn and a potential reduction in CO2 emissions by about 2.7m tonnes each year. 

"Good for individual households but also great for the planet," Steve says. 

Smart meters are often installed at no extra cost to the consumer - it's effectively free data for households. 

Limitations

Smart meters are more or less what you make of them - a simple, free tool that allows you to see headline figures. 

However, "without detailed analysis, it's tough to identify and eliminate" where you could be wasting money, Steve says. 

Apps like Utrack, Loop and Hugo Energy can help you work out where you might be losing money by offering a more detailed breakdown if connected to your smart meter. 

Those tools are often free, but you may need to register your card details as proof of address. 

The tools give a number of useful insights, including looking at consumption in other households of similar size or monitoring where chunks of your money are going, such as to a faulty boiler or the "phantom load" (energy wasted by devices left on unnecessarily).

Myth or must?

Although smart meters alone don't reduce energy bills, they are a vital tool to help energy efficiency and cost savings. 

By Ollie Cooper, Money team

It can be hard to balance getting nutritious foods that make you feel good without spending a lot.

In this series, which ends today after digging into yoghurt, bread, pasta, fruit juice and plant-based milk, we've tried to find the healthiest options in the supermarket for the best value.

Sunna Van Kampen,  founder of  Tonic Health ,  who went viral on social media for reviewing food in the search of healthier choices, has given his input for the past six weeks.

And for the final part of the series, we're looking at the nation's favourite snack: crisps. 

The series does not aim to identify the outright healthiest option, but to help you get better nutritional value for as little money as possible.

We're a people obsessed: in the UK, we get through six billion packets of crisps a year.

Sunna has three easy tips for finding the tastiest options that are kinder to your body...

1. Understand the fat facts

"Typical crisps can be oil sponges and contain over 30% fat from low-quality vegetable oils that have been fried," Sunna says. 

"What we are on the lookout for those that buck the trend and stay away from the fat." 

So, he says, aim for crisps that contain less than 15% total fat.

2. Fibre up your snack time

"While crisps aren't exactly salad, some can offer more nutritional value than others," Sunna says.

"Check the labels for options that have more fibre or protein."

These help you feel fuller for longer and also keep your digestive system happy.

3. Portion control

"It's easy to demolish an entire bag in one sitting - however, many brands offer multipack bags that are portion-controlled, usually around 25g a bag," Sunna says.

Sticking to these helps to manage calorie intake and stops overindulging.

The big picture

"Small changes might not immediately seem like a lot but if you eat a bag a day with your lunch, we are talking about up to a whopping two litres of oil cut from your diet over the course of the year," Sunna says,

"This is not permission to eat crisps every day (enjoy as an occasional treat) but rather an indication of how small changes add up quickly overtime."

The good news is Sunna's recommendations are all similar in price to their popular, fattier rivals - so you don't need to make a bigger investment to reap some health benefits. 

We've included the prices for the brands' standard multipacks at Tesco - correct as of time of writing. 

Walkers Oven Baked - £1.95 for six-pack

"Around £1.95 for a pack of six, these crisps are baked, not fried, slashing the fat content to 13%, so a great option."

Popchips - £2.25 for five-pack

"These have just 13% fat content as they're popped rather than fried so are a great way to go reducing fat without compromising on the crunch."

And for some non-crisp options...

ProperCorn Popcorn - £2 for six-pack

Often described as "the healthier, lighter option", Sunna says ProperCorn "isn't actually the best option on the market for fat content at 17.4%".

That being said, you do get "double the fibre of standard crisps at 10.9g per 100g". 

At only £2 for a pack of six, it's well-priced, too.

Snack A Jacks - £2.20 for five-pack

"At only 8.3% fat per 100g, it's a great option at £2.20 for a pack of five."

Penn State Baked Pretzels - £1.50 for 175g bag

Now for Sunna's winner.

"The German classic is a great option at only 4.6% fat per 100g," he says.

One downfall is that they are not available in portioned bags, so be careful with the whole 175g bag for £1.50.

Want another option altogether?

"If you want to be even healthier, consider the switch to nuts, seeds or even dried cheese snacks," Sunna says.

"Higher in calories yes, but higher in good healthy fats too and are more satiating which will limit the chance of overeating."

The nutritionist's view -  from  Dr Laura Brown , senior lecturer in nutrition, food and health sciences at Teesside University...

"Baked instead of fried crisps is definitely a way forward as well as the popcorn suggestion," she says.

"We should also be aiming to look at the amount of protein and fibre found in products. For example, lentil and pea snacks are growing in popularity due to their higher protein and fibre values, so the focus should be more on looking for ingredients other than potatoes, oil and salt. 

"I also feel 'crisp' based snacks made in an air fryer are becoming more popular. These can include a wholemeal wrap with a small amount of oil added, and placed in the air fryer with paprika and other seasoning added for flavour. 

"Also, chickpeas in the air fryer make for a super delicious protein and fibre rich snack. They are cheaper than crisps and lower in fat since no oil has to be added."

Read more from this series... 

Halifax has become the latest major lender to up mortgage rates.

They are putting up a range of deals by 0.2%.

BM Solutions also announced increases today.

It follows similar moves by TSB, NatWest, Virgin, Barclays, Accord, Leeds Building Society, HSBC and Coventry last week.

Lenders are responding to swap rates - which dictate how much it costs to lend money - rising on the back of higher than expected US inflation data, and concerns this could delay interest rate cuts there. 

US trends often materialise elsewhere - though many economists are still expecting a base rate cut from 5.25% to 5% in the UK in June.

This is what average mortgage rates look like as of today...

Justin Moy, managing director of EHF Mortgages, told Newspage: "Yet more bad news for mortgage borrowers, as two of the biggest lenders announce increases to their fixed-rate products. 

"As mortgage rates creep up and past 5% even for those with the largest deposits, we seem to be lacking a clear strategy of the government or the Bank of England on how rates will eventually fall. 

"Even 2% inflation may not be enough to reverse the recent trends in rates."

Morrisons has launched two major changes for shoppers – with stores now offering travel money and trolleys featuring advertisements.

Announcing their bureau de change service, Morrisons said customers could exchange currencies in select stores or could place their money orders online at Morrisonstravelmoney.com.

Using the online service means customers can either click and collect their cash in certain Morrisons stores or at any of Eurochange's 240 branches. Alternatively, they can go for home delivery.

Services director at Morrisons, Jamie Winter, said the service "will provide our customers with easy access to a wide range of currencies at competitive exchange rates".

So far, stores in the following areas have travel money kiosks:

• Basingstoke

In other news, the supermarket chain rolled out a new trolley advertising across 300 stores in a partnership with Retail Media Group.

A sweetener used in drinks, sauces, savoury and sweet foods and chewing gum can cause serious damage to people's health, according to a new study.

Neotame, a "relatively new" sweetener, could damage the intestine by causing damage to healthy bacteria in the gut, according to the study, leading it to become diseased and attack the gut wall.

The study by Anglia Ruskin University (ARU), published in the journal Frontiers in Nutrition, found the negative effect of neotame "has the potential to influence a range of gut functions resulting in poor gut health", potentially impacting metabolic and inflammatory diseases, neuropathic pain, and neurological conditions.

The illnesses this could lead to include irritable bowel disease or insulin resistance.

Read the full story here ...

As we reported yesterday, a pilot programme is coming into force in Venice today that means visitors have to pay a €5 (£4.28) charge to enter the city.

Authorities say the pilot programme is designed to discourage tourists and thin the crowds that throng the canals during peak holiday season, making the city more liveable for residents.

Pictures have been emerging this morning of people queueing to register for a QR code that will allow them to enter after they have paid the charge - and officials carrying out checks on people inside the city.

People found to be contravening the rules can be fined up to €300 (£257).

As detailed in our story , the move has been met with anger among some in the city.

Venice is the first city in the world to introduce a payment system for tourists - but comments from its most senior tourist official suggested it may become a more common practice for major tourist hotspots in Europe.

Simone Venturini revealed the pilot programme was being closely watched by other places suffering from mass tourism - including other Italian art cities and hugely popular weekend-break destinations Barcelona and Amsterdam.

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