does single trip travel insurance cover multiple countries

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Getting Travel Insurance for a Multi-Destination Vacation: 2024 Guide

The best travel insurance for a multi-destination trip depends on your desired coverage, trip value and budget.

with our comparison partner, TravelInsurance.com

Charlotte Whitaker is a content writer and PR professional currently writing for clients in the travel, tourism and recruitment industries. Coverage highlights for her PR clients include publications such as National Geographic, Forbes, Travel+Leisure, TimeOut and CNN. When she’s not writing, you can find her traveling to the next destination on her bucket list or relaxing in the countryside of the north of England, which she calls home.

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.

Multi-destination travel insurance can protect your investments by covering each location on your itinerary with one policy versus multiple. Whether you’re considering backpacking through Asia or taking a cruise across the Mediterranean, travel insurance for a multi-destination vacation is worth considering for peace of mind in case of trip interruptions.

Read on to learn more about what to consider when choosing travel insurance for a multi-destination trip.

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Benefits of Multi-Destination Travel Insurance

Opting for multi-destination travel insurance for your next trip can cover nonrefundable and prepaid trip costs, valuables and personal effects across each destination you visit. We’ve highlighted the main benefits of choosing a multi-destination travel insurance plan for your next trip below.

Easier Shopping Process

By only having one policy for your multi-trip plans, especially if you’re traveling with family members or travel companions, you compare quotes for one centralized policy rather than multiple at a time. As a result, you can more closely review one plan rather than buy several single-trip plans to cover each location on your list.

Offers More Convenience

A multi-destination trip insurance plan covers all your destinations under one policy so you don’t have to concern yourself with purchasing multiple policies for one trip. You can also file claims through one policy, rather than having to worry about navigating multiple at a time.

You Don’t Have To Change Your Itinerary

You will not have to make any sacrifices to your itinerary with a multi-destination trip. If you want a beach break, safari and cultural retreat to the heart of a capital city, you can choose all three and have peace of mind with multi-trip travel insurance.

Coverage Options for Multi-Country Travel Insurance

A multi-destination policy should include the same protections as standard travel insurance, whether you choose single-trip coverage or an annual plan for frequent travelers. We’ve detailed what multi-destination policies typically cover below:

Trip Cancellations, Interruptions and Delays

Trip cancellation coverage offers reimbursement of nonrefundable, prepaid costs if your trip gets canceled for a covered reason, typically before departure. Trip interruption coverage will reimburse costs if your trip is cut short due to an incident outlined in your insurance policy, such as a flight delay. In both cases, you would receive partial or full reimbursement for flights, accommodations or other costs.

Travel delays coverage offers protection if you miss booked transport for reasons outside your control, including flight connections. Often if you experience a trip delay, your insurance providers may reimburse you for lost costs plus additional expenses incurred due to the interruption. For example, your provider may pay for food or lodging you book while delayed, or cover the cost of a new airline ticket.

Cancel For Any Reason Coverage

Also known as CFAR, cancel for any reason coverage allows you to cancel your trip for reasons outside those specified in your travel insurance plan. You will receive a refund of any prepaid costs up to a certain limit, as outlined in your policy. Providers often set a minimum period of time in which you can use CFAR coverage to receive a refund.

Most standard insurance policies do not automatically include CFAR coverage, but rather offer it as a policy add-on for extra money.

Emergency Medical Coverage

Multi-destination insurance with travel medical coverage will help cover the cost of emergency medical expenses you incur while traveling. Covered costs may include the following:

• Emergency medical expenses, such as staying in a medical facility, ambulance fees or emergency assistance
• Medical care or treatment for an injury or illness
• Emergency medical evacuation coverage
• Repatriation of remains

Insurance providers may also offer add-on coverage for accidental death and dismemberment. Keep in mind that U.S.-issued health insurance may not work on an international trip. Without travel insurance, you would have to cover health care expenses out of pocket.

Lost, Damaged or Delayed Baggage

Baggage coverage is included in multi-destination insurance plans to offer reimbursement if your luggage is lost, damaged or delayed. Your policy will allow reimbursement up to a certain limit, which will vary depending on the insurance plan you select.

Other Travel Insurance Benefits

In addition to standard protections, more comprehensive policies may include other coverages such as rental car damage, travel assistance services and sporting gear rentals. While some policies include extra coverage in the total cost, other companies may offer benefits as policy add-ons.

Factors To Consider When Choosing Multi-Destination Trip Insurance

There are a few factors to consider when shopping for multi-destination trip insurance to ensure a policy is well suited to your travel needs and budget.

Check the Coverage You Already Have

Before purchasing travel insurance, check your credit cards and health insurance to see what coverage you already have. Some credit card companies offer levels of travel insurance and your health insurance plan may extend abroad. You may be able to save money by utilizing existing coverage rather than purchasing a comprehensive travel policy.

Trip Details

Where you are going and for how long can impact the type of travel insurance you need. Be sure to include travel days so the whole length of your trip is included in your travel insurance plan. You may also need specific protections based on your destinations and what you plan to do. For example, you may want a policy with rental car coverage if you plan to rent a vehicle.

Pre-Existing Medical Conditions

Many travel insurance plans may not cover treatments related to pre-existing medical conditions. However, your provider may offer a waiver if you declare pre-existing conditions within a certain time frame after purchasing travel insurance. Obtaining the right level of medical coverage is important in the event you have to file a claim, notably for senior travelers with pre-existing conditions.

Coverage Limit and Exclusions

Usually travel insurance plans include a maximum amount the provider will payout for each covered item. For example, your policy may include $1 million in emergency medical benefits and $500 for baggage loss. It is best to consider the amount of coverage you may need and select a plan that offers those limits. However, higher levels of coverage may cost more than standard policies.

Exclusions refer to anything your travel insurance does not cover, such as injuries related to extreme sports. Review your travel insurance policy documents to ensure you know about coverage exclusions and can purchase additional coverage if necessary.

Deductibles

Like with most insurance products, a deductible is the amount you will have to pay before your travel insurance provider will payout claims. Deductible amounts can range from hundreds to thousands of dollars, so it is an important factor to consider when choosing a policy. For example, you may have a $500 deductible for lost luggage. Make sure you select a deductible amount you can afford if you have to file a claim.

How Much Does Multi-Destination Travel Insurance Cost?

To help you understand travel insurance costs, we requested quotes from multiple providers for both multi-destination and single-destination costs. You can also explore cheap travel insurance policies if you are on a budget.

As you’ll notice, international travel insurance for multi-destination trips is slightly more expensive than single-trip coverage . Based on our quotes, the difference in price between the two types of insurance is between $10 to $16, depending on the provider

We based the below quotes on a two-week single trip to Italy and a two-week multi-destination trip to Italy and another European destination for a 33-year-old traveler. Quotes reflect the cheapest option of travel protection for each travel insurance provider. Your cost may vary based on your home country and specific trip details.

Backpackers vs. Annual Multi-Destination Travel Insurance

You may encounter travel insurance for backpackers versus annual multi-destination travel insurance in your search for a policy. While both coverages can protect travel to multiple destinations, there are distinct differences between the two.

Backpacking typically involves weeks or months of continuous travel and carries its own set of unique risks. If you plan to trek through remote areas abroad, we suggest you consider a plan that offers generous payouts for medical emergencies. Note that backpacker travel insurance will not cover things such as wear and tear on your sports equipment, extreme sports and other activities not explicitly named in your policy, or backpacking treks through high-risk destinations.

As the name suggests, annual multi-destination travel insurance covers multiple trips over a period of time, typically up to 12 months. It’s ideal for people who travel frequently but return to their home base between adventures. High coverage limits for trip delays , interruptions or cancellations are often a high priority for those needing this type of insurance.

Tips for Finding the Right Multi-Destination Travel Insurance

The following tips can help travelers find the best coverage for their multi-destination trip:

Research Travel Insurance Providers

A good starting point before choosing a travel insurance plan is to research what options are available to you. You may find several insurance providers that offer plans to travelers across the globe or smaller companies based in your local area. Don’t discount available options before learning more about each company and the services offered.

Read Customer Reviews

There are multiple platforms and resources available online to help you evaluate travel insurance providers for multi-destination vacations. You can check whether an insurance provider is reputable by consulting platforms like the Better Business Bureau and Trustpilot. Consulting online reviews and business service scores can help you form an opinion about each provider and better understand the customer experience.

Make Sure You Have Enough Coverage

As previously mentioned, trip protection will have varying coverage limits that apply to each component of your insurance policy. Therefore, you should choose a plan that offers adequate coverage for your trip. For example, if you plan to travel with expensive items in your luggage, opt for a plan with a higher baggage coverage limit. Or you can select a policy that includes extra valuables coverage.

Is Multi-Destination Travel Insurance Worth It?

Multi-destination vacations are a great way to explore multiple countries, cities and cultures all in one trip. With multi-destination insurance, you can cover a trip to more than one destination under one central policy. Based on our research, multi-destination insurance costs between $62 to $83, which is only $10 to $16 more than single-trip policies.

While there are multiple considerations to make when choosing travel insurance coverage, investing in trip protection can be worth it . Frequent or business travelers may also opt for annual travel insurance coverage, which includes a set number of trips per year.

Frequently Asked Questions About Multi-Destination Trip Insurance

Does single-trip travel insurance cover multiple destinations.

In short, yes. It is possible to cover multiple destinations under a single-trip travel insurance policy as long as you visit each location within the duration of your policy. If you’re traveling for a set amount of time, no matter the number of destinations, it is still considered one trip.

Is buying comprehensive travel insurance worth it?

Comprehensive travel insurance can be worth it if you require a higher level of coverage and the price fits your budget. A comprehensive policy will likely be more expensive due to having fewer coverage exclusions, unique benefits, higher limits and lower deductible options.

Does travel insurance cover trips to every country?

Travel insurance companies offer coverage to travel to almost every country in the world. However, providers may issue exclusions if a country is in a state of war or has high terrorism risks. Some countries also require travel insurance as a condition to enter as a visitor.

Depending on the travel insurance provider, you can specify coverage for select countries or will receive coverage for an area or continent, such as South America.

Can I purchase travel insurance during my trip?

Most travel insurance companies do not allow you to buy coverage after departure. Generally, each policy provider will have different requirements about how late you can book your insurance. Some providers — such as Allianz — may allow you to purchase last-minute insurance if your trip has already started. Most companies recommend buying travel insurance before your trip begins so you have coverage in the event of an emergency.

Do I need coverage if I’m making a stopover and not leaving the airport?

It depends on the travel insurance company. Most providers will cover a person during layovers if you do not leave the airport. However, if you have a long layover and plan to use it for sightseeing, you’ll need to include the layover location when listing your destinations on a travel insurance policy.

If you have questions about this page, please reach out to our editors at [email protected] .

More Resources:

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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• Plan Your Trip
• Safety & Insurance

Single Trip Vs. Multi-Trip Travel Insurance: Which Is Better?

Published: October 13, 2023

Modified: December 28, 2023

by Federica Schram

• Travel Essentials & Accessories

Introduction

When it comes to travel insurance, there are various options available to protect yourself and your belongings while on the go. Two popular choices are single trip insurance and multi-trip insurance. Understanding the differences between these options can help you make an informed decision based on your specific needs and travel habits.

Single trip travel insurance, as the name suggests, provides coverage for a single trip or vacation. It typically offers comprehensive protection against a range of unexpected events such as trip cancellation or interruption, medical emergencies, lost baggage, and travel delays. This type of insurance is designed to offer peace of mind for a specific journey, whether it’s a weekend getaway or an extended holiday.

On the other hand, multi-trip travel insurance, also known as annual travel insurance or annual multi-trip insurance, is designed for frequent travelers who embark on multiple trips throughout the year. This type of insurance provides coverage for an entire year, allowing travelers to take unlimited trips within a specified time frame. It offers the convenience of not having to purchase separate insurance policies for each trip.

Now that we have a basic understanding of single trip and multi-trip travel insurance, let’s explore the coverage comparison between the two and examine the pros and cons of each option. By weighing these factors, you can determine which type of insurance is better suited to your travel needs and budget. So, let’s dive in and discover the differences between single trip and multi-trip travel insurance.

Definition of Single Trip Travel Insurance

Single trip travel insurance provides coverage for a single journey or vacation. It is designed to protect you against unexpected events that may occur during your trip, ensuring that you have financial security and assistance when you need it most. This type of insurance covers a wide array of risks, including trip cancellation or interruption, medical emergencies, lost baggage, and travel delays.

When you purchase single trip travel insurance, you are essentially buying coverage for a specific period of time, usually from the time of departure until the time of arrival back home. The coverage typically starts on the day you leave your home country and ends on the day of your return. It is important to note that the duration of coverage may vary depending on the policy and the insurance provider.

Single trip travel insurance offers flexibility in terms of trip duration. Whether you are planning a short weekend getaway or an extended holiday, you can choose a policy that suits your needs. The coverage can be tailored based on various factors, such as the destination, the length of the trip, and any specific activities or sports you plan to engage in during your travels.

One of the key advantages of single trip travel insurance is that it allows you to customize your coverage based on your specific requirements. You can choose the level of coverage you need for medical expenses, trip cancellation or interruption, and baggage loss or delay. This flexibility ensures that you are not paying for coverage that you do not need.

While single trip travel insurance provides comprehensive coverage for a specific trip, it does have its limitations. Once your trip is over and you have returned home, the coverage under a single trip policy ends. If you plan to take additional trips within the same year, you will need to purchase separate insurance policies for each trip. This can be a disadvantage for frequent travelers who embark on multiple trips throughout the year.

Now that we have a clear understanding of single trip travel insurance, let’s explore the definition of multi-trip travel insurance and compare the coverage and benefits it offers.

Definition of Multi-Trip Travel Insurance

Multi-trip travel insurance, also known as annual travel insurance or annual multi-trip insurance, is a type of coverage that provides protection for multiple trips within a specific time frame, usually one year. With this insurance, travelers can enjoy the convenience of having continuous coverage for all their trips without the need to purchase separate policies for each journey.

Multi-trip travel insurance is designed for frequent travelers who embark on multiple trips throughout the year, whether for business or leisure. Instead of buying insurance for each trip individually, you can opt for an annual policy that covers all your travels during the specified period. This eliminates the hassle of repetitive insurance purchases and saves you time and effort.

The coverage offered under a multi-trip insurance policy usually includes similar benefits as single trip insurance, such as trip cancellation or interruption, emergency medical expenses, baggage loss or delay, and travel delay. However, the coverage limits and terms may vary among insurance providers, so it’s important to carefully review the policy details.

One of the key advantages of multi-trip travel insurance is cost-effectiveness. If you are a frequent traveler, purchasing individual insurance policies for each trip can significantly add up in terms of premiums. With an annual policy, you pay a single premium that covers multiple trips, potentially saving you money in the long run.

In addition to cost savings, multi-trip travel insurance offers convenience and peace of mind. Once you have the policy in place, you can travel freely without worrying about insurance arrangements for each trip. This is particularly beneficial for business travelers or individuals who have a busy travel schedule throughout the year.

While multi-trip travel insurance provides coverage for multiple trips, there are usually limitations on the duration of each trip. Most policies have a maximum trip duration, which can vary from 30 to 90 days. If you plan to take longer trips, you may need to consider other insurance options or purchase additional coverage for those specific journeys.

Now that we understand the definition and benefits of multi-trip travel insurance, let’s compare the coverage and advantages of single trip and multi-trip insurance to help you make an informed decision based on your travel needs.

Coverage Comparison between Single Trip and Multi-Trip Insurance

When it comes to the coverage provided, there are some key differences between single trip travel insurance and multi-trip travel insurance. Understanding these differences can help you choose the option that best suits your travel needs and preferences.

1. Trip Duration: In terms of trip duration, single trip insurance offers coverage for a specific trip or vacation, typically starting from the time of departure until the time of return. On the other hand, multi-trip insurance covers multiple trips within a specified time frame, usually one year. However, there is usually a limitation on the duration of each trip under a multi-trip policy.

2. Cost: The cost of insurance can vary between single trip and multi-trip options. Generally, single trip insurance tends to be cheaper as you are only paying for coverage for one specific trip. Multi-trip insurance, while more expensive upfront, can be cost-effective for frequent travelers who take multiple trips throughout the year, as it eliminates the need to purchase separate policies for each trip.

3. Frequency of Travel: The frequency of your travels plays a crucial role in determining the type of insurance that is more suitable for you. If you only take one or two trips a year, single trip insurance may suffice. However, if you travel frequently, whether for business or leisure, multi-trip insurance offers the convenience of ongoing coverage for all your trips without the need to repeatedly purchase insurance.

4. Customization: Both single trip and multi-trip insurance policies can be customized based on your specific needs. You have the flexibility to choose the level of coverage for medical expenses, trip cancellation or interruption, and baggage loss or delay. This allows you to tailor the policy to match the activities and destinations of your trips.

5. Coverage Limitations: It’s important to carefully review the terms and conditions of both types of insurance to understand any coverage limitations. For single trip insurance, the coverage ends once you return from your trip. Multi-trip insurance has limitations on the duration of each trip, typically ranging from 30 to 90 days. If you plan to take longer trips, you may need to consider other insurance options.

6. Additional Benefits: Alongside the core coverage, both single trip and multi-trip insurance policies may offer additional benefits. These can include coverage for adventure activities, emergency medical evacuation, rental car insurance, and 24/7 assistance services. It’s important to assess these additional benefits and their relevance to your travel needs when comparing the two options.

By understanding the coverage comparison between single trip and multi-trip travel insurance, you can make an informed decision based on your travel frequency, trip duration, and budget. Consider your unique needs and preferences to select the option that provides the most comprehensive coverage and peace of mind for your journeys.

Pros and Cons of Single Trip Travel Insurance

Single trip travel insurance offers several advantages and disadvantages that are important to consider when choosing the right insurance option for your specific trip. Let’s explore the pros and cons of single trip travel insurance:

• Comprehensive Coverage: Single trip insurance provides comprehensive coverage for a specific trip or vacation. It typically includes protection against trip cancellation or interruption, medical emergencies, lost baggage, and travel delays.
• Flexibility: With single trip insurance, you have the flexibility to customize the coverage based on your specific needs, such as the destination, trip duration, and planned activities.
• Affordability: Compared to multi-trip insurance, single trip insurance tends to be more affordable, especially if you only take one or two trips per year.
• No Ongoing Commitment: Single trip insurance allows you to purchase coverage for a single journey without any long-term commitment. This is beneficial if you don’t travel frequently and prefer to assess your insurance needs on a trip-by-trip basis.
• Specialized Coverage: Single trip insurance offers the opportunity to add specialized coverage options, such as for adventure activities or pre-existing medical conditions, ensuring that you are adequately protected for your specific travel requirements.
• Limitation to a Single Trip: The primary limitation of single trip insurance is that it provides coverage for a specific journey only. Once your trip is over, so is your coverage. If you plan to take additional trips within the same year, you will need to purchase separate insurance policies for each trip.
• Higher Costs for Frequent Travelers: For individuals who travel frequently, the costs of purchasing single trip insurance for each trip can add up. In such cases, multi-trip insurance may be a more cost-effective option.
• Inconvenience of Repeated Purchases: Buying insurance for each trip individually can be time-consuming and inconvenient. It requires researching and purchasing a new policy before every journey, which can be a hassle, especially for frequent travelers with busy schedules.
• Limited Trip Duration: Some single trip insurance policies have limitations on the duration of each trip. If you plan to take extended trips, you may need to explore other insurance options or purchase additional coverage.

Understanding the pros and cons of single trip travel insurance will help you determine if it is the right choice for your specific travel needs and circumstances. Consider the frequency of your travel, trip duration, budget, and the level of coverage you require to make an informed decision.

Pros and Cons of Multi-Trip Travel Insurance

Multi-trip travel insurance, also known as annual travel insurance, offers several advantages and disadvantages that are worth considering when deciding on the best insurance option for your frequent travels. Let’s explore the pros and cons of multi-trip travel insurance:

• Continuous Coverage: With multi-trip travel insurance, you have ongoing coverage for all your trips within a specified time frame, usually one year. This eliminates the need to purchase separate policies for each trip and provides peace of mind for your frequent travels.
• Cost Savings: For frequent travelers, multi-trip insurance can be more cost-effective compared to purchasing individual insurance policies for each trip. By paying a single premium for the entire year, you may save money in the long run.
• Convenience: Multi-trip insurance offers convenience and time-saving benefits. Once you have the annual policy in place, you can travel freely without the hassle of repeatedly buying insurance before each trip.
• Flexible Trip Duration: While there are limitations on the maximum duration of each trip, multi-trip insurance provides flexibility for trips within the specified timeframe. This is beneficial for individuals who take shorter trips throughout the year.
• Additional Benefits: Many multi-trip insurance policies offer additional benefits, such as coverage for adventure activities, emergency medical evacuation, rental car insurance, and 24/7 assistance services. These extras can enhance your protection and support during your travels.
• Higher Upfront Cost: Compared to single trip insurance, multi-trip insurance tends to have a higher upfront cost. This may deter individuals who do not travel frequently or have a limited travel budget.
• Limited Trip Duration: Most multi-trip insurance policies have limitations on the duration of each trip, often ranging from 30 to 90 days. If you plan to take longer trips, you may need to explore other insurance options or purchase additional coverage.
• Coverage Restrictions: Depending on the policy, multi-trip insurance may have coverage restrictions, such as limitations on certain activities or destinations. It is important to review the policy details to ensure that your travel needs are adequately covered.
• No Customization for Each Trip: With multi-trip insurance, the coverage is standardized for all your trips within the specified time frame. You may not have the same level of flexibility to customize the coverage based on the specific needs of each trip.
• Potential Underutilization: If you do not take advantage of the insurance benefits for a significant portion of the year, you may end up paying for coverage that you do not fully utilize.

Understanding the pros and cons of multi-trip travel insurance will help you determine if it aligns with your frequent travel needs and preferences. Consider the frequency and duration of your trips, your budget, and the level of coverage you require to make an informed decision.

Factors to Consider When Choosing Between Single Trip and Multi-Trip Insurance

When deciding between single trip and multi-trip travel insurance, there are several important factors to consider. Evaluating these factors will help you make an informed decision that best suits your specific travel needs and circumstances. Here are the key factors to consider:

Frequency of Travel: Assess how often you travel within a year. If you only take one or two trips annually, single trip insurance may be the more suitable option. However, if you travel frequently, such as for business or leisure, multi-trip insurance offers the convenience and cost-effectiveness of continuous coverage for all your trips.

Trip Duration: Consider the typical length of your trips. Single trip insurance is ideal for journeys with specific departure and return dates. However, if you often embark on shorter trips within a specified time frame, multi-trip insurance may provide more flexibility.

Budget: Evaluate your budget for travel insurance. Single trip insurance tends to have a lower upfront cost as you only pay for coverage for a specific trip. Multi-trip insurance may have a higher upfront cost, but it can be more cost-effective for frequent travelers who take multiple trips throughout the year.

Customizable Coverage: Determine whether you require the flexibility to customize the coverage for each trip. Single trip insurance allows you to tailor the coverage based on your specific needs, such as the destination, trip duration, and planned activities. With multi-trip insurance, you may have standardized coverage for all your trips within the specified time frame.

Specialized Coverage: Consider if you need specialized coverage for specific activities or destinations. Single trip insurance may allow you to add specialized options based on your unique travel requirements. However, multi-trip insurance may have limitations on certain activities or destinations, so it’s important to review the policy details.

Convenience: Evaluate the level of convenience you desire in insurance arrangements. Single trip insurance requires buying a policy for each trip, which can be time-consuming. In contrast, multi-trip insurance offers the convenience of continuous coverage for all your trips without the need for repetitive purchases.

Additional Benefits: Assess the extra benefits provided by each insurance option. Both single trip and multi-trip insurance may offer additional coverage benefits, such as for adventure activities, emergency medical evacuation, or rental car insurance. Consider which additional benefits are important to you.

By considering these factors, you can weigh the advantages and disadvantages of single trip and multi-trip insurance and choose the option that aligns with your travel habits, preferences, and budget.

When it comes to choosing between single trip and multi-trip travel insurance, there isn’t a one-size-fits-all answer. It ultimately depends on your unique travel habits, preferences, and budget. By considering the key factors discussed, you can make an informed decision that provides the most comprehensive coverage and peace of mind for your journeys.

For occasional travelers who take one or two trips a year, single trip travel insurance offers affordable and customizable coverage for specific journeys. It allows you to tailor the coverage based on your needs, ensuring you have protection against unexpected events during your trip.

On the other hand, frequent travelers who embark on multiple trips throughout the year may find multi-trip travel insurance more advantageous. It provides continuous coverage and cost savings by eliminating the need to purchase separate policies for each trip. The convenience of ongoing protection and additional benefits make it a practical choice for those with busy travel schedules.

Ultimately, the right choice between single trip and multi-trip insurance depends on factors such as the frequency and duration of your trips, your budget, and the level of coverage and customization you require. Evaluating these factors will help you select the option that best meets your specific travel needs.

Remember to carefully review the terms and conditions, coverage limitations, and benefits offered by different insurance providers. This will ensure that you have a clear understanding of the coverage and can make an informed decision.

Whether you opt for single trip or multi-trip travel insurance, having the right protection in place is essential. It offers financial security, assistance, and peace of mind, allowing you to focus on enjoying your travels without worrying about unexpected mishaps.

Consider your travel habits, evaluate the pros and cons, and choose the type of insurance that aligns with your needs and preferences. This way, you can embark on your journeys with the confidence of knowing you are well-protected, no matter where your travels take you.

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Multi-Destination Travel Insurance: A Comprehensive Guide

By Hetal Bansal

In an era where wanderlust knows no bounds, the concept of multi-destination travel has gained immense popularity. Travel enthusiasts are increasingly opting for itineraries that span multiple countries, seeking diverse experiences and cultural immersion. However, with the excitement of planning a multi-destination trip comes the responsibility of ensuring comprehensive travel insurance coverage. In the United States, where travel insurance options abound, understanding the intricacies of multi-destination coverage is crucial for a seamless and worry-free journey.

The Rise of Multi-Destination Travel

Changing travel trends.

The evolution of travel preferences reflects a shift towards immersive and varied experiences. Travelers are no longer content with conventional vacations; instead, they crave a mosaic of cultures, landscapes, and adventures in a single journey.

Benefits of Multi-Destination Travel

• Cultural Diversity: Exploring multiple destinations allows travelers to delve into different cultures, languages, and traditions, fostering a more enriched travel experience.
• Efficient Use of Time: Multi-destination travel maximizes the use of vacation time, enabling individuals to see more places without feeling rushed.
• Adventure Opportunities: From tropical paradises to bustling cities and serene mountains, multi-destination trips offer a spectrum of adventures catering to diverse interests.

Understanding Multi-Destination Travel Insurance

What is multi-destination travel insurance.

Multi-destination travel insurance is a specialized form of coverage designed to protect travelers embarking on journeys that span multiple countries. Unlike traditional travel insurance , which often focuses on single destinations, this type of insurance provides comprehensive protection for the intricacies of multi-stop itineraries.

Coverage Components

• Medical Coverage: Ensuring adequate medical coverage is essential, considering healthcare systems vary widely across countries. Multi-destination travel insurance should cover medical expenses, emergency evacuation, and repatriation.
• Trip Cancellation and Interruption: This coverage safeguards against unexpected events leading to trip cancellations or interruptions, such as illness, natural disasters, or travel advisories.
• Baggage and Personal Belongings: Protection for lost, damaged, or stolen baggage is vital for travelers with multiple stops, as the risk of mishaps increases with each destination.
• Trip Delay: Multi-destination travelers may encounter flight delays or missed connections. Trip delay coverage reimburses additional expenses incurred due to such unforeseen circumstances.

Key Considerations When Choosing Multi-Destination Travel Insurance

Destination-specific coverage.

Different destinations pose distinct risks, including health hazards, political instability, and natural disasters. Opt for insurance that provides tailored coverage based on the risk profile of each destination.

Thoroughly review policy documents to understand any exclusions or limitations specific to certain countries. Some insurers may have restrictions in high-risk regions.

Duration and Flexibility

Ensure the insurance policy accommodates the duration of your entire multi-destination journey. Some policies may have maximum trip length limitations. Given the dynamic nature of multi-destination travel plans, choose insurance that allows flexibility in changing itineraries without compromising coverage.

Consider the types of activities you plan to engage in at each destination. Some insurers may offer optional coverage for adventurous activities like scuba diving, hiking, or skiing, ensuring you're protected during all aspects of your journey.

Comparing Multi-Destination Travel Insurance Providers

Research and reviews.

• Online Resources: Utilize online resources and reviews to gauge the reputation and reliability of various travel insurance providers . Insights from fellow travelers can offer valuable perspectives.
• Customer Service: Assess the responsiveness and helpfulness of customer service teams. Efficient communication during emergencies is crucial for a positive insurance experience.

Policy Inclusions and Exclusions

Scrutinize the fine print of insurance policies to understand the specific inclusions and exclusions. Be aware of any limitations that might affect your multi-destination travel plans.

Cost-Benefit Analysis

While cost is a crucial factor, it's equally important to evaluate the value and coverage offered. A slightly higher premium may be justified if it provides comprehensive protection tailored to the complexities of multi-destination travel.

Real-Life Scenarios and Case Studies

Learning from experiences.

Explore case studies where travelers faced health emergencies in multiple destinations and examine how their insurance coverage played a pivotal role in their overall well-being. Understand the implications of unexpected events leading to trip interruptions and how insurance helped mitigate financial losses.

Lessons Learned

Gleaning insights from real-life scenarios helps prospective multi-destination travelers make informed decisions when selecting travel insurance. Learning from the experiences of others can guide individuals in preparing for the unexpected.

Tips for Making the Most of Multi-Destination Travel Insurance

Pre-trip planning.

• Create a Detailed Itinerary: Provide the insurance provider with a comprehensive itinerary, including all destinations and planned activities, to ensure accurate coverage.
• Emergency Contact Information: Keep emergency contact information easily accessible, both digitally and in hard copy, for quick reference during unforeseen circumstances.

On-the-Road Preparedness

• Familiarize Yourself with Policy Details: Prioritize understanding the specifics of your insurance coverage, including contact procedures and the claims process, before embarking on your journey.
• Emergency Services: Research and save contact information for emergency services, medical facilities, and local authorities at each destination.

Document Everything

Maintain thorough documentation of all travel-related expenses, medical bills, and communication with the insurance provider. Comprehensive records expedite the claims process in the event of an unforeseen incident.

Multi-destination travel opens doors to unparalleled adventures, but with this freedom comes the responsibility of safeguarding your journey against unforeseen challenges. Choosing the right multi-destination travel insurance in the USA is a crucial step in ensuring a worry-free and enjoyable experience. By understanding the intricacies of coverage, considering destination-specific factors, and learning from the experiences of others, travelers can embark on their multi-destination adventures with confidence, knowing they are well-protected every step of the way.

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How Annual or Multi-Trip Travel Insurance Works

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Table of Contents

What does annual travel insurance cover?

Single trip insurance vs. multi-trip travel insurance, how does annual travel insurance work, annual travel insurance plans, is annual travel insurance worth it, caveats to yearly travel insurance, if you're considering multi-trip travel insurance.

Are you hoping to fill your annual calendar with multiple travel adventures? When you’re heading out on a trip, travel insurance may provide peace of mind in case things go awry. It can provide protection in the event of unexpected injury and illness, no matter where you are.

For frequent travelers, sometimes a single-trip travel insurance policy just doesn’t cut it. Let’s take a look at when to buy annual travel insurance, what annual multi-trip insurance is and whether you should invest in this product.

For those who aren’t familiar with travel insurance, it basically works like this: Your personal insurance covers you when you’re at home. Travel insurance does the same when you’re abroad.

There are different levels and kinds of insurance, including those that’ll reimburse you if you have to quarantine, ones that let you cancel for any reason and even policies that cover emergency evacuation services.

Some common types of travel insurance include:

Health insurance .

Lost luggage insurance .

Trip cancellation insurance .

Accidental death insurance .

Rental car insurance .

Trip interruption insurance .

Cancel For Any Reason insurance .

Emergency evacuation insurance .

Most travel insurance policies will offer different levels of coverage for the different types outlined above. In some cases, you can customize your coverage to better meet your needs instead of opting for base-level policy inclusions.

» Learn more: What does travel insurance cover?

Here's a high-level overview of how annual travel insurance policies differ from single trip plans.

Yearly travel insurance works a little bit differently than single-trip insurance. For the most part, you won’t find an annual travel insurance policy that covers extras such as baggage loss or rental car insurance, though you may find some that cover trip interruption and cancellation.

Why is annual travel insurance cheaper than single trip? Multi-trip insurance focuses mainly on medical policies, while single-trip policies can cover a broader range of issues.

In general, annual travel insurance will cover you in the event that you need medical care while traveling overseas. Different policies will have different coverage. Some can include hazardous sports such as skiing and scuba diving, while others will include care in the event you fall ill with COVID-19.

Check whether your medical care is primary or secondary; secondary medical insurance only pays out after other eligible insurances have made their payments.

If you’re looking to be covered for specific needs, be sure to double-check any policy before you decide to purchase it.

» Learn more: How to find the best travel insurance

Purchasing an annual or multi-trip travel insurance plan doesn’t have to be expensive. Of course, you’ll want to get quotes before going forward with any purchase, so it’s best to do your homework ahead of time.

We put in a search for annual travel insurance plans using a 31-year-old traveling from California to Europe among three different policy providers.

1. Nationwide Travel Insurance

Nationwide came in at the cheapest for just $52 for the year, though at that price range it didn’t include trip cancellation or trip interruption insurance.

It was possible to add these in, but it increased the price appropriately. Otherwise, the plan offered $10,000 in emergency medical, $100 for baggage delay, $100 for trip delay and $500 for lost luggage

For our sample itinerary, Allianz offered three different annual travel insurance plans with varying levels of coverage — Executive, Prime and Basic.

The cheapest rang in at $138 for the year but also failed to include trip interruption, while the most expensive option would cost this travel $510.

Allianz’s lowest-cost option (Basic) provided $20,000 in emergency medical and $1,000 for baggage loss, as well as $45,000 for rental car insurance .

3. AIG Travel Guard

AIG Travel Guard returned just one option for multi-trip travel insurance, costing $259 for the year.

However, the increased price seems worth it for the additional coverage, which included $2,500 in trip interruption, $1,500 for trip delay, $500 for missed connections, $2,500 for lost baggage, $1,000 for delayed luggage and $50,000 for emergency medical.

There are a few different questions you’ll want to consider before purchasing travel insurance. This is true whether you’re looking for a single-trip policy or a plan that covers you for an entire year.

How often will you travel?

This is probably the most obvious question you’ll want to answer: How often do you travel? Are you out of town frequently? Do you stay out of the country for longer periods of time?

If you’re someone who goes on one or two vacations per year, for a week or two at a time, it may not be worth purchasing annual travel insurance. Although it’s cheaper than single-trip insurance, the benefits that you’ll receive are reduced accordingly.

What kind of trips are you taking?

How expensive are your trips? What about the chance for illness or accidental injury? Are you certain that you’ll be going on your trip, or is there the chance that you’ll need to cancel?

Multi-trip travel insurance is inherently limited due to its length of coverage. If your trip has a lot of components and opportunities for things to go awry, you may want to consider instead purchasing a single-trip policy.

As we noted above, these types of policies have a much broader area of coverage. This includes options such as cancel for any reason insurance and trip delay insurance.

Do you have any pre-existing conditions?

Pre-existing conditions are those that you have had prior to purchasing insurance. Let’s say that you tore your hamstring last year. After completing a round of physical therapy, you’re doing pretty well, though sometimes you still struggle with pain.

Some annual travel insurance policies will cover acute flare-ups of pre-existing conditions. This means that if your sore hamstring is suddenly aggravated to the point of needing crutches, they will cover the cost of that care.

Some policies do not; they will have a specific clause excluding any pre-existing conditions from your medical care.

» Learn more: What to know about travel insurance for pre-existing conditions

Does your credit card provide travel insurance?

Did you know that many travel credit cards provide complimentary travel insurance? If you book and pay for your trip using your card, you may be eligible for this insurance.

Examples of travel insurance offered by credit cards include:

Rental car insurance.

Emergency medical insurance.

Emergency evacuation insurance.

Trip cancellation insurance.

Trip delay insurance.

» Learn more: The best credit cards for travel insurance benefits

Not all credit card travel insurance coverages are equal; if this is something you’re relying on, you’ll want to carefully examine the policies of the credit card you’re using and the types of coverage it offers.

Cards such as the Chase Sapphire Reserve® offer some of the best complimentary travel insurance on the market.

Chase Sapphire Reserve®

Other cards, such as The Platinum Card® from American Express , also offer a wide range of coverage while you’re traveling. Terms apply.

» Learn more: The best travel credit cards right now

Yearly travel insurance may be a good option for you if you’re often on the road, but keep in mind that there are limits to the product.

For example, many travel insurance plans limit the amount of time you can spend on each trip. This is true for policy provider Heymondo, whose 12-month plan stipulates that your trip duration be less than 60 days.

Other plans may only apply outside the United States. This is the case for GeoBlue , whose travel medical insurance doesn’t cover you when you’re home.

Yes. Depending on the provider, you can purchase multi-trip or an annual travel insurance plan.

The biggest difference with annual travel insurance is it doesn't have as many covered benefits as the individual single-trip plans, as one of the main focuses of annual travel insurance is medical emergencies.

To determine which plan type is right for you, ask yourself questions such as:

How often are you traveling?

Are the trips expensive?

Do you have any credit cards with travel insurance coverage ?

Although cheaper, multi-trip or annual travel insurance are policies that cover multiple trips over a specific time frame. Policies have less coverage than single-trip policies. Generally, single-trip policies have baggage loss or rental car insurance, whereas annual travel insurance does not.

The average cost of a travel insurance policy varies on the coverage provided and the length of the trip. It's typically a percentage of your overall trip cost. On the high end, you can estimate up to 10% of your trip expenses. On the low-to-mid scale, you can estimate 4-8% of your anticipated trip costs.

Yes, you can buy annual or multi-trip travel insurance policies, which can be a good option for extensive trips. Note that these plans differ from single-trip policies in terms of coverage. Annual plans tend to focus on medical emergencies, whereas individual plans offer more robust travel-related coverages (such as baggage or trip delay).

Multi-trip insurance covers an unlimited number of trips during your coverage period. However, the length of time for your period is going to depend on your specific policy. Many multi-trip plans can be purchased as annual travel insurance, which will cover you up to 365 days.

It’s possible to cancel any insurance policy that you buy, but only during specific periods. This is called the "lookback" or review period. In most states, the lookback period lasts up to 15 days, during which time you can cancel your insurance without penalty.

Do you have any

credit cards with travel insurance coverage

Multi-trip travel insurance can be a cheap, affordable way to make sure you’re covered if you’re a frequent traveler. However, you’ll also want to understand the limitations of year-long policies. Although they can be less expensive than policies that cover a single trip, you can also expect to have less coverage.

Annual travel policies tend to focus more on medical care and — in limited circumstances — trip cancellation or trip interruption. However, if your needs include the ability to cancel your trip for any reason, or extras such as baggage insurance, you may want to consider purchasing a single-trip policy instead.

Finally, if you hold a travel credit card, odds are good that it comes with some form of travel insurance. Check out its guide to benefits to see what types of coverage your card offers, whether it’s emergency medical evacuation or trip delay reimbursement.

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-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

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.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

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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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Multi-Trip Travel Insurance: One Policy That Covers Every Trip for a Year

Travel's messier than ever, so how'd you like travel insurance you only have to buy annually? Here's what multi-trip insurance is, how it works, and how to tell if it's the economical choice for you.

By Jason Cochran

February 22, 2023

For years you've heard it drilled into your consumer brain: Always buy travel insurance for major trips.  But ever since Covid-19 travel restrictions receded, even minor trips may involve big problems. 

Airlines and airports are halting operations without warning , political skirmishes are changing the landscape of no-go destinations , and, oh yeah, you could still get sick with Covid when you're scheduled to travel.

Given how unreliable travel has become and how easy it is to get stranded between point A and point B, our new travel insurance advice could very well be simplified to three words: Always have it . 

There's actually a type of travel insurance that you only have to buy once a year. Multi-trip insurance will cover you, no matter where you go, for the length of the policy's validity period, which is usually a year.

Buy this type of insurance once, and you'll be covered for all your trips for a full 12 months. 

Will I save money using multi-trip insurance?

That's something you have to calculate based on who you are and what your travel habits are.

"The cost of single-trip products are often based on two factors: the age of the traveler and the cost of the trip," said Daniel Durazo of Allianz Travel Insurance , one of the largest players in the business. "So as those factors go up or down, so does the cost of travel insurance."

According to Durazo, single-trip policies often cost between 5% and 10% of the total cost of a trip.

On the other hand, annual multi-trip policies are usually offered at a flat rate, "meaning your cost may not increase with age and trip cost," Durazo said.

Once you possess multi-trip coverage, you don't have to report each trip you take to your insurer, like you do with single-trip policies. You're simply covered for the year, no matter where you go.

All of the insurance industry experts we spoke to estimated that you'd need to take at least three to five trips in a year for the expense of a multi-trip policy to be worth it. 

Can I travel all year with a multi-trip policy?

You can take multiple trips, but you can't remain on the road for months at a time. With an annual policy, coverage for each trip will expire after a maximum number of permitted days.

Lynn Pina of Pennsylvania-based GeoBlue , which sells annual travel insurance products, says that "most policies [only] cover trips up to 30 days [apiece]." (However, one of the company's premium products, GeoBlue Trekker, will cover trips lasting up to 70 days.)

After time's up on a trip, travelers on an annual plan will have to return home and then leave again for the clock to reset for the next trip. If you can't get home in between journeys, many insurers will also sell you add-on plans to cover the extra days.

Consequently, multi-trip insurance is better for leisure or business travelers and not designed for expats or long-term backpackers. 

How can I compare prices and coverage of single-trip policies vs. multi-trip policies?

You don't have to track down a bunch of insurers to compare prices. That can be done quickly.

There are several one-stop online insurance marketplaces where you can plug in your details to see what numerous companies will offer.  InsureMyTrip ,  Squaremouth , and QuoteWright  have all been in business for many years. Check those and you'll be able to survey the major players and compile a thorough list of options. 

Those websites can also handle quotes for multi-trip insurance, so you won't have far to go to compare prices and inclusions.

Will multi-trip insurance cover cancellation?

Not automatically. You have to make sure you buy a policy that has trip cancellation coverage. For example, Allianz's most affordable option, AllTrips Basic , will not cover cancellation, but the company's upgraded policies, like AllTrips Premier , do cover cancellation. 

If you want the ability to decide unilaterally that you don't want to take a trip you bought, you must ensure that  Cancel for Any Reason (called CFAR) coverage is part of your policy. Not all insurance offerings automatically include a CFAR clause. 

Some upper-tier multi-trip plans will also cover everyone in your household, even if you travel separately. Maybe you can split costs with family members.

Will multi-trip insurance cover lost luggage?

Multi-trip policies tend to cover baggage loss, but only for a small amount and only for checked baggage.

That might not be a deal-breaker, though, because many credit cards automatically include such protection if you pay for travel with them. You might already have free baggage coverage.

Will multi-trip insurance cover rental car insurance?

That's another thing your credit card may already cover, but many multi-trip policies still throw it in. All of Allianz's annual plans do, and the coverage is good for $45,000 in rental car collision damage.

Will multi-trip insurance cover medical expenses?

Not all annual policies do. Some require Americans to have primary medical insurance back home and will only deal with medical situations that are classified as emergencies.

"The benefits of these plans vary but most typically cover medical expenses, trip interruption, and medical evacuation costs," said Pina of GeoBlue. "Some may even cover preexisting conditions for medical services and medical evacuation."

You just need to seek out the specific medical coverage for your needs.

"If your prepaid costs for an international trip are for items that can be rescheduled [for free], like airline tickets, consider a travel medical plan that provides coverage for medical expenses that will not be covered by your domestic health insurance," said Pina.

Even if your policy offers limited medical inclusions, make sure it at least includes Covid-19 coverage and access to a doctor around the clock via a telehealth service. 

How much should I travel in a year to make a multi-trip policy worth the money?

You may also like:  Frommer's 8 Great Travel Insurance Providers You may also like:  How to Tell If You Need Travel Insurance, Based on the Type of Vacation

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How to Get a Quote

Will I be covered if I travel to multiple destinations?

Last Updated: October 25, 2013 May 10, 2022

Short Answer

Yes, most policies provide coverage for travel throughout multiple countries worldwide, however, you only need to select one destination you are traveling to on the quote form.

More Detail

Most policies on our website cover travel to multiple destinations worldwide during your covered trip. If a policy does exclude certain countries, this will be shown in a pop-up notification as soon as you click on the “Buy Now” button on the results page. Any excluded countries or other disclaimers will be listed here. If you are directed straight to the purchase page without any notification, there are no countries excluded from coverage.

This information can vary based on the travel insurance policy. Please review the policy certificate to verify coverage. If you have questions about a specific policy, please contact us directly at 800-240-0369. Our customer service representatives are available from 8am to 10pm ET seven days a week and are delighted to help!

• Author: Steven Benna
• Title: Lead Data Analyst

19 people found this article helpful.

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Travel Insurance

Medical travel insurance, seniors travel insurance, europe travel insurance, worldwide travel insurance, coronavirus travel insurance, single trip travel insurance.

• Unlimited medical emergency expenses¹
• Up to £10K cancellation cover
• 24/7 emergency medical helpline

Covered 27 million+ travellers

Trusted for 20+ years

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Our single trip travel insurance is tailored to your plans, covering anything from a short UK break to a whole year of exploring the world. It’s quick and easy to get a quote and we have no upper age limit.

What is single trip travel insurance and how does it work?

Our single trip travel insurance is for a one-off trip of up to 365 days and can include multiple countries. It’s there to cover you if something goes wrong before or during your trip. Helping with medical care if you have an accident or replacing stolen property, which could leave you facing high costs if you don’t have insurance.

Gov,uk estimates the cost of needing surgery and flights back to the UK after a quad bike accident in Greece, at £30,000 without insurance.

How does our travel insurance for a single trip work?

• Packed full of benefits as standard: Our single travel insurance policies include over 100 sports and activities . As well as cover for unexpected cancellation of your trip, medical and hospital expenses and personal belongings. Plus, our 24-hour emergency assistance team is available to call, day or night
• Only pay for the cover that you need: Single trip travel insurance is what most people need for a one-off trip. It covers one holiday, on specific dates and to specific countries, so you’ll only be paying for the cover you need. However, if you’re going away more than once this year, an annual travel insurance policy could save you time and money
• Cover multiple countries on the same trip : As long as you’re visiting them on one trip, you can include multiple countries. Plus, we can cover UK trips too, as long as you have accommodation booked
• Choose the level of cover that’s right for you: Our Budget, Silver, Gold and Black levels offer different amounts of cover and excess. This means there’s an option for you, even if you’re looking for cheap single trip travel insurance
• No upper age limit: We think everyone should have a chance to enjoy a trip away, so we offer travel insurance for single trips, no matter your age *
• For trips up to 365 days long: Cover a trip of any length from one night to a whole year with a single trip insurance policy
• Policies to suit your trip and your group: We can cover solo travellers, groups and couples. As well as offering single trip family travel insurance . We will consider any pre-existing medical condition if you declare it before purchasing your policy. From cruises to business trips , extreme sports to skiing , we have a range of add on options to suit your trip

*Note: While our single trip travel insurance policies have no upper age limit , our Winter Sports additional cover can only be used by those under 65. 

The excess and cover will vary depending on the policy level purchased. See our policy wording for full details and terms and conditions.

What does InsureandGo’s single trip travel insurance cover?

Discover the benefits that we cover as standard with our single trip travel insurance policies, along with a variety of add on options:

What’s covered?

All our single trip travel insurance policies include trips of up to 365 days and we’ll cover travellers of any age . Our policies include:

• Medical emergency expenses cover
• Cover for cancellation of your trip
• Over 100 sports and activities covered (see your policy wording for a full list of activities)
• Personal belongings and baggage cover
• Personal money, passports and travel documents cover
• Legal expenses cover
• Delayed departure cover
• Personal accident cover
• Our 24-hour emergency assistance team , available to call, day or night

Travelling to multiple countries on one trip? Just declare  all the countries you’ll be travelling to. We can cover trips in the UK too, as long as you have booked accommodation

Find out about our optional add ons for activities like extreme sports , winter sports , cruises and golf . 

We will consider all pre-existing medical conditions, find out more about medical travel insurance . The excess and amount of cover available varies depending on the level of single trip travel insurance you buy. Make sure you check the policy wording to see the full terms and conditions.

What’s not covered?

We aim to provide as much cover as we can on our policies. However, there are some situations no travel insurance will cover. For example:

• You cannot cover events or reasons to claim which took place before you booked the trip or purchased insurance. Insurance exists to cover unexpected events outside of the insured’s control
• Claims which are less than the excess for that section of cover. For example, you cannot claim a £40 lost item if your baggage excess is £60
• All of our single trip travel insurance policies include cover for cancellation of your trip, but there may be some exclusions. For example, you won’t be covered to cancel if you simply decide not to go

The best single trip travel insurance for your needs

Looking for the best single trip travel insurance? Whatever you’re planning for your trip, we have a range of cover to suit you:

• Extreme sports and hazardous activities : Our standard policies already cover over 100 activities . If you’re planning something a little more adventurous, our optional hazardous activity cover is for you
• Cruises : If you’re going on a cruise, you may face problems not seen on other holidays, such as cabin confinement and missed port departures. Our add on cover includes a range of issues you might experience on a cruise
• Winter sports : Whether skiing, snowboarding or ice fishing is your thing, add our optional winter sports cover. Available if you’re under 65 and for trips of up to 365 days
• Business travel : Including replacing essential equipment that’s lost, stolen or damaged. As well as emergency courier expenses to get it to you fast

Be sure to read our policy wording , to find out more about any of these options.

Which destinations are covered by our single trip travel insurance?

Whether you’re planning an exotic beach holiday in the Caribbean or a tour of Italy’s best eateries, we can cover you:

• We can provide single trip travel insurance for all countries, unless the FCDO has advised against all or all-but-essential travel. We can provide some cover if the FCDO advise against travel is only due to Coronavirus, see our page about Coronavirus travel insurance for more details
• Trips to multiple countries: Visiting more than one country on a single trip? No problem! Just let us know where you’re going and we will send you a quote. You can add up to 10 countries when getting a quote online, or contact us if your adventure includes even more destinations
• UK trips : Our travel insurance for single trips can include holidays in the UK, as long as you’ve booked overnight accommodation. Even if it’s just for one night!

How to book our single trip travel insurance

Book single trip travel insurance fast with two simple steps:

1. Tell us where you’re going, who you want to cover and some details about any pre-existing medical conditions

Do this online now or give us a call:

2. Get your quote and your cover

Receive your quote and you can decide to either purchase your insurance policy straight away or save it for later.

“Holidays are the highlight of our year, but sometimes things can go wrong. Buying  a travel insurance policy will cover you for those unexpected events. Whether you need medical assistance while away or your belongings are stolen. Our single trip travel insurance policies include cover for over 100 sports and activities , as well as a range of other benefits.” Lydia Crispin – Travel insurance expert

Single trip travel insurance with pre-existing medical condition cover

We will consider any pre-existing medical condition, just be sure to declare it before purchasing your policy. Our online medical screening process is simple and we’ll quickly be able to give you a quote. We may be able to include your pre-existing medical condition at no extra cost, but there could be an additional premium.

If you don’t declare your pre-existing condition you won’t be covered for claims relating to it, should anything happen. For more information, have a look at our pages about travel insurance for medical conditions , including:

• Travel insurance with diabetes
• Travel insurance with heart conditions
• Travel insurance with epilepsy
• Travel insurance with cancer
• Travel insurance with asthma

Read our policy wording to understand what is and isn’t included in our insurance for pre-existing medical conditions.

Frequently asked questions on single trip travel insurance

Does my single trip travel insurance cover covid-19.

Yes, all our travel insurance for single trips covers Covid-19 if;

• you have had the first 2 doses of the Coronavirus vaccinations as recommended by the UK NHS, and are up to date with each Coronavirus booster vaccination for which you are eligible, or you were medically unable to have the vaccinations as evidenced by your medical records; and
• you are travelling to a country or area where the FCDO/WHO are not advising against all or all but essential travel due to the Coronavirus pandemic.

This means that if you catch Coronavirus you’ll be covered to cancel your holiday, or to receive medical treatment abroad. You’ll also be covered if you, or someone you’re travelling with, is personally instructed to isolate. Read our page about Coronavirus travel insurance for more details.

When should I start my single trip travel insurance?

When buying insurance for a one-off holiday, you should enter the dates you’ll be leaving and returning to the UK. You’ll be covered for unexpected cancellations from the time you pay for your policy, even if the travel dates are months away. This means you are free to look forward to your holiday knowing you’re covered!

Can I get one day travel insurance?

Single trip travel insurance can cover trips from one night to 365 nights! Providing cover for medical expenses, personal belongings and over 100 sports and activities .

Even if you’re just staying in the UK, travel insurance will cover you as long as you have overnight accommodation booked. Check the policy wording to see the full terms and conditions, including excess, the amount of cover available and what is and isn’t covered.

Does single trip travel insurance cover cancellation?

All policies include cover for cancellation of your trip under certain circumstances out of your control. There may, however, be some exclusions. For example, you won’t be covered if you just decide you don’t want to go. Likewise, you won’t be covered for cancellation due to something you were aware of before buying your insurance or booking your trip. 

Make sure you read the relevant policy wording for full details on what is and is not covered.

Is annual travel insurance cheaper than single trip?

If you’re planning on going away more than once this year, an annual multi-trip travel insurance policy could save you time and money. It will cover you for any trips you take within 12 months in a certain region. It will mean you don’t have to take out separate cover for every trip. Plus it’s often cheaper than taking out two or more single trip travel insurance policies.

Does single trip travel insurance cover multiple countries?

Yes! Let us know your travel dates, and the countries you’ll be visiting, and we’ll offer you a range of single trip travel insurance cover tailored to your plans. 

If you’re planning to visit up to 10 countries on one trip, you can get a quote online . If you have more than 10 on your itinerary, give us a call .

Do I need single trip travel insurance if I have a GHIC/EHIC card?

The EHIC and GHIC entitle the holder to medical treatment at the same price as residents within certain countries. This often means free or reduced costs. However, it won’t cover all medical expenses such as if you’re transported by private ambulance to a private clinic. It also doesn’t cover repatriation to the UK.

The EHIC/GHIC doesn’t work in all countries. It also won’t provide cover for cancellation, lost personal belongings or delayed departure, if something else goes wrong. So it’s always advisable to take out adequate travel insurance as well.

 Are there holiday length restrictions on single trip travel insurance?

Single trip travel insurance covers you for one period away from home – beginning when you set off on your journey and ending when you get back home. A single trip can be anything from one to 365 nights away. It can even be as short and as local as a one-night stay in the UK, as long as you’ve booked accommodation.

Who can buy an InsureandGo single trip travel insurance policy?

All our single trip travel insurance policies are available to UK residents. This means:

• Someone who has been living in the UK or the Channel Islands for at least six of the last 12 months
• They must be in the UK at the time of buying
• All trips must start and end in the UK

Unfortunately, we can’t provide cover to anyone who doesn’t fit this description.  Get a quote online or browse our policy documents for more information.

Travel insurance guide

Frequently asked questions.

If you’ve got more questions about how our single trip travel insurance works, or more general travel insurance queries, have a read through our FAQs .

Travel advice

Our travel advice section offers handy tips and guides to specific countries, from what documents you need to what you might visit while you’re there.

Travel insurance reviews

If you want to know what our customers think of us, and why they rate us so highly, have a read through some of the reviews they’ve left us.

• Unlimited emergency medical expenses available on Black level policies.
• Based on 2,050 responses, correct as of 22/01/2024

Coronavirus Cover: Find out more by clicking here

Single Trip Travel Insurance

Cover for cancellation.

Immediate cover should you need to cancel you trip Including if you test positive for Coronavirus and cannot travel

Emergency Medical/Dental Cover Abroad

Cover in the event you become ill during your trip.

Cover for personal belongings & baggage

For your items lost, stolen or damaged during your trip

Looking for Single Trip Cover around the world? Then we have the type of cover you need!

What's Covered

and what's not?

Coronavirus

View our Coronavirus Cover Details

Travel Insurance

why do you need it?

What is the purpose of Travel insurance?

Travel insurance is coverage designed to protect against risks and financial losses that could happen while traveling. The risks range from minor inconveniences such as missed airline connections and delayed luggage all the way to more serious issues including injuries or major illness

What counts as a single trip for travel insurance?

Single trip cover is a travel insurance policy for a one-off holiday. If you go away twice or more every year, it could work out cheaper to buy annual travel insurance compared to buying two single trip policies.

What does single trip travel insurance mean?

Single trip travel insurance covers you for one trip only, lasting up to 90 days, depending on your age. Always check your policy terms and conditions and maximum trip duration.

Does Single Trip Insurance Cover Multiple Countries?

Yes, when booking Single Trip Insurance, you can get cover for multiple countries.

Does single trip insurance cover cancellation?

Yes, your Single-trip Travel Insurance policy will cover cancellation of your trip – or if you have to cut it short – in some circumstances. Those circumstances even include cancelling or cutting short a trip due to sudden illness (including testing positive for Coronavirus). You must check your policy cover for details of what is covered.

When should I start my Travel insurance?

Travel Insurance is something you should take out as soon as you've booked your holiday. This is because it's possible you might have to cancel your trip after booking but before you've actually left. For example: You may get injured or fall too ill to travel.

When Is It Too Late to Buy Travel Insurance?

In general, you can buy coverage any time before the date of your trip. That said, it's always best to buy coverage as soon as you make your reservations.

Do you have to have travel insurance before booking a holiday?

If you want to know when you should book travel insurance, the most important thing to remember is that travel insurance is imperative for any trip. Our simple answer is to get travel insurance as soon as you have booked and paid for your holiday, especially for a non-refundable trip.

Can I buy travel insurance the day I leave?

You can purchase travel insurance any time before the date of your departure.

Does travel insurance get more expensive closer to the trip?

Unlike other aspects of your travel experience like airfares or hotel-room rates, the price of travel insurance doesn't increase the closer you get to your travel date. There's no financial penalty if you wait to buy travel insurance.

Is it worth it to get travel insurance?

Though you may pay 5 to 10 percent of your trip cost for travel insurance, travel insurance is often worth the investment for its potential to help reimburse you for travel-related expenses like emergency evacuation, medical bills, and costs related to trip cancellation.

What is an excess?

If you need to make a claim under certain sections of cover where an excess applies, we will deduct the amount of the policy excess from the sum we pay you for any valid claim. The excess will apply to each person claiming and to each incident and to each section of the policy under which a claim is made.

What if my claim is less than the excess?

If the amount you claim under your policy is less than your excess, then this becomes an un insurable loss as your claim falls within the excess being the first amount you have to pay.

Can I cancel my travel insurance?

If you decide your policy is not suitable, you can cancel your policy within 14 days of buying your policy and provided you have not travelled or have made a claim, receive a full refund. No refunds will be given if you have travelled or made a claim on your policy.

Cover Limits & Benefits

Holidayrisk Travel Insurance

Annual Multi-Trip Travel Insurance

Existing medical conditions travel insurance.

Holiday Risk Trip Travel Insurance offers great value cover for all types of holidays. From beach holidays to city breaks to sightseeing, you can get a quote and buy cover for your trip right now.

So, whether you travel frequently and require Annual Multi Trip policy or once in a while and need Single Trip policy we’ve got you covered. With over 20 years of experience we specialise in providing travel cover at low cost prices, Our Travel Plans include 24 hours Global Medical Assistance Service. We pride ourselves on our professional and friendly staff. See what our customers have to say about us.

June 1, 2020

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Popular Travel Insurance Plans

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Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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Best International Travel Insurance for May 2024

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If you're planning your next vacation or trip out of the country, be sure to factor in travel insurance. Unexpected medical emergencies when traveling can drain your bank account, especially when you're traveling internationally. The best travel insurance companies for international travel can step in to provide you with peace of mind and financial protection while you're abroad.

Our top picks for the best international travel insurance

• Best overall: Allianz Travel Insurance
• Best for exotic travel: World Nomads Travel Insurance
• Best for trip interruption coverage: C&F Travel Insured
• Best for families: Travelex Travel Insurance
• Best for long-term travel: Seven Corners Travel Insurance

How we rate the best international travel insurance »

Compare the top international travel insurance

As a general rule, the most important coverage to have in a foreign country is travel medical insurance , as most US health insurance policies don't cover you while you're abroad. Without travel medical coverage, a medical emergency in a foreign country can cost you. You'll want trip cancellation and interruption coverage if your trip is particularly expensive. And if you're traveling for an extended period of time, you'll want to ensure that your policy is extendable. 

Here are our picks for the best travel insurance companies for international travel.

Best overall: Allianz

Allianz Travel Insurance  offers the ultimate customizable coverage for international trips, whether you're a frequent jetsetter or an occasional traveler. You can choose from an a la carte of single or multi-trip plans, as well as add-ons, including rental car damage, cancel for any reason (CFAR) , adventure sport, and business travel coverage. And with affordable pricing compared to competitors, Allianz is a budget-friendly choice for your international travel insurance needs. 

The icing on the cake is Allyz TravelSmart, Allainz's highly-rated mobile app, which has an average rating of 4.4 out of five stars on the Google Play store across over 2,600 reviews and 4.8 out of five stars from over 22,000 reviews on the Apple app store. So, you can rest easy knowing that you can access your policy and file claims anywhere in the world without a hassle.

Read our Allianz Travel Insurance review here.

Best for exotic trips: World Nomads

World Nomads Travel Insurance  offers coverage for over 150 specific activities, so you can focus on the adventure without worrying about gaps in your coverage. 

You can select its budget-friendly standard plan, starting at $79. Or if you're an adrenaline junkie seeking more thrills, you can opt for the World Nomads' Explorer plan for $120, which includes extra sports like skydiving, scuba diving, and heli-skiing. And World Nomads offers 24/7 assistance, so you can confidently travel abroad, knowing that help is just a phone call away. 

Read our World Nomads Travel Insurance review here.

Best for trip interruption: C&F Travel Insured

C&F Travel Insured offers 100% coverage for trip cancellation, up to 150% for trip interruption, and reimbursement for up to 75% of your non-refundable travel costs with select plans. This means you don't have to worry about losing your hard-earned money on non-refundable travel costs if your trip ends prematurely. 

Travel Insured also stands out for its extensive "reasons for cancellation" coverage. Unlike many insurers, the company covers hurricane warnings from the National Oceanic and Atmospheric Administration (NOAA).

Read our C&F Travel Insured review here.

Best for family coverage: Travelex

Travelex Travel Insurance offers coverage for your whole crew, perfect for when you're planning a family trip. Its family plan insures all your children 17 and under at no additional cost. The travel insurance provider also offers add-ons like adventure sports and car rental collision coverage to protect your family under any circumstance. Got pets? With Travelex's Travel Select plan, you can also get coverage for your furry friend's emergency medical and transportation expenses. 

Read our Travelex Travel Insurance review here.

Best for long trips: Seven Corners

Seven Corners Travel Insurance offers specialized coverage that the standard short-term travel insurance policy won't provide, which is helpful if you're embarking on a long-term trip. You can choose from several plans, including the Annual Multi-Trip plan, which provides medical coverage for multiple international trips for up to 364 days. This policy also offers COVID-19 medical and evacuation coverage up to $1 million. 

You also get the added benefit of incidental expense coverage. This policy will cover remote health-related services and information, treatment of injury or illness, and live consultations via telecommunication. 

Read our Seven Corners Travel Insurance review here.

How to find the right international travel insurance company 

Different travelers and trips require different types of insurance coverage. So, consider these tips if you're in the market to insure your trip. 

Determine your needs 

• Consider the nature of your travel (leisure, business, or adventure) and the associated risks (medical emergencies, trip cancellations, etc.).
• Determine your budget and the amount of coverage you require. 
• Consider the duration of your trip and the countries you'll be visiting, as some policies won't cover specific destinations. 

Research the reputation of the company 

• Look for the company's reviews and ratings from reputable sources like consumer advocacy groups and independent website reviews. 
• Check the provider's financial stability and credit ratings to ensure it can pay out claims reliably. 
• Investigate the company's claims process to ensure it can provide timely support if you need to file a claim.

Compare prices

• Get quotes from multiple providers to compare rates and coverage options.
• See if the company provides discounts or special offers to lower your cost. 
• Look at the deductible or any out-of-pocket expenses you may have to pay if you file a claim to determine if you can afford it. 

Understanding international travel insurance coverage options 

Travel insurance can be confusing, but we're here to simplify it for you. We'll break down the industry's jargon to help you understand what travel insurance covers to help you decide what your policy needs. Bear in mind that exclusions and limitations for your age and destination may apply. 

Finding the best price for international travel insurance

Your policy cost will depend on several factors, such as the length of your trip, destination, coverage limits, and age. Typically, a comprehensive policy includes travel cancellation coverage costs between 5% and 10% of your total trip cost.

If you're planning an international trip that costs $4,500, you can expect to pay anywhere from $225 to $450 for your policy. Comparing quotes from multiple providers can help you find a budget-friendly travel insurance policy that meets your needs.

How we reviewed international travel insurance companies

We ranked and assigned superlatives to the best travel insurance companies based on our insurance rating methodology . It focuses on several key factors, including: 

• Policy types: We analyzed company offerings such as coverage levels, exclusions, and policy upgrades, taking note of providers that offer a range of travel-related issues beyond the standard coverages. 
• Affordability: We recognize that cheap premiums don't necessarily equate to sufficient coverage. So, we seek providers that offer competitive rates with comprehensive policies and quality customer service. We also call out any discounts or special offers available. 
• Flexibility: Travel insurance isn't one-size-fits-all. We highlight providers that offer a wide array of coverage options, including single-trip, multi-trip, and long-term policies.
• Claims handling: The claims process should be pain-free for policyholders. We seek providers that offer a streamlined process via online claims filing and a track record of handling claims fairly and efficiently. 
• Quality customer service: Good customer service is as important as affordability and flexibility. We highlight companies that offer 24/7 assistance and have a strong record of customer service responsiveness. 

We consult user feedback and reviews to determine how each company fares in each category. We also check the provider's financial rating and volume of complaints via third-party rating agencies. 

International travel insurance FAQs

Which company has the best international travel insurance.

The best insurance policy depends on your individual situation, including your destination and budget. However, popular options include Allianz Travel Insurance, World Nomads, and Travel Guard. 

Are there any limitations or exclusions international travelers should be aware of?

You should pay attention to any limitations regarding covered cancellations, pre-existing conditions, and adventure activities. For example, if you're worried you may have to cancel a trip for work reasons, ensure that you've worked at your company long enough to qualify for cancellation coverage, as that is a condition with some insurers. You should also see if your destination has any travel advisories, as that can affect your policy. 

What insurance do you need for international travel?

Typically, your regular health insurance won't cover you out of the country, so you'll want to make sure your travel insurance has adequate medical emergency coverage. Depending on your travel plans, you may want to purchase add-ons, such as adventure sports coverage, if you're planning on doing anything adventurous like bungee jumping.

Should you get travel insurance for international travel?

Travel insurance is worth the price for international travel because they're generally more expensive, so you have more to lose. Additionally, your regular health insurance won't cover you in other countries, so without travel insurance, you'll end up paying out of pocket for any emergency medical care you receive out of the US.

How far in advance should international travelers purchase travel insurance?

You should purchase travel insurance as soon as possible after making payment on your trip. This makes you eligible for add-ons like coverage for pre-existing conditions and CFAR. It also mitigates the chance of any losses in the days leading up to your trip. 

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