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Travel insurance is a major part of planning a holiday as it offers a financial lifeline if something goes wrong. You might, for example, lose your luggage, have an accident, fall ill or even have to cancel the trip. Single trip insurance is one of the most common cover types. Find out whether it's the right one for you.
Whether you decide to go for a single trip policy or invest in an annual policy will depend on how often you plan to travel in the year.
You can buy a policy for a single trip, usually of no more than 30 days, or you can opt for annual insurance, so you are covered for any number of holidays throughout the year. It's always a good idea to compare prices for both types of cover. But as a general rule, annual cover is more cost effective if you plan to travel long haul and take more than two or three trips a year.
Don't forget that a holiday in the UK is still a holiday. So you will need cover even if you are not venturing very far afield.
What about family holidays?
Travellers can choose a single trip policy for a single person, a couple or a family. It can often work out cheaper to buy a family policy than to arrange separate cover for several people, but make sure you read the terms and conditions of the insurance.
For example, the excess might apply to each person named on the policy. So, if you a have an excess of £150 and you make a claim, you could end up paying £300 or more towards the cost.
Where in the world?
Travel insurance for Europe is usually cheaper than worldwide cover. But you should check the insurer's definition of Europe to make sure your chosen country is included. Some firms, for example, do not class Turkey as Europe, so you might have to pay a higher premium.
I have cover on my bank account or credit card. Is this cover enough?
Some premium credit cards and bank accounts come with 'free' holiday insurance, so you might not need to buy a separate policy. Just make sure you are happy with the level of cover, as freebie insurance is often restricted in terms of the actual geographical cover and the excess. You might also have cover for personal possessions under the terms of your home contents insurance. Read the small print to make sure the cover is adequate.
Don't delay - take cover out today
Many people only think about getting a policy a few days before they set off on holiday. But you should ideally arrange cover as soon as you book your trip so you are protected should you need to cancel.
When buying single trip travel insurance it is important to compare as many products as possible - the cheapest policy you find may not always be right for you, so reading the small print is essential.
Check the levels of cover and the excess levels to ensure you find a policy that has the range and amount of cover that you require at an affordable price. Cheapest is not always the best when it comes to single trip holiday insurance.
What's classed as a pre-existing condition? Can you extend your cover? If you're perplexed by your policy, our handy guide to all things travel insurance means you'll never get lost in the legalese again.Read moreabout Your travel insurance questions answered
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