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Why choose PayingTooMuch?
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A single trip policy covers you for one holiday, just for the days you’re away. You’ll also be covered for any cancellations in the run-up to your trip. If you have just one holiday planned, a single trip policy could be exactly what you need.
But if you’re headed out on more than one holiday a year, an annual multi-trip policy could save you time and money.
Most single trip policies include cover for:
And much more.
When you compare travel insurance with PayingTooMuch, you can find the right cover at a price that makes sense.
Some common claims that can’t be covered include:
Don’t forget to read the policy documents before you buy. It’s not the most exciting read, but it’ll help you check you’re covered for the things that are important to you.
It’s a good idea to take out your single trip travel insurance as soon as you book your holiday. This means you’ll be covered for cancellations before you head off on your trip, for added peace of mind.
The cost of your single trip policy varies from person to person. The right travel insurance for you won’t always be the cheapest, but it can give you peace of mind knowing you’re covered. A few things that can impact the cost of your insurance include:
When you get older, you’ll probably see the cost of your travel insurance rise. That’s because there’s an increased risk of accidents, illnesses and injuries when you’re on holiday. But with the right cover for over 50s, over 60s, and over 70s, you can find affordable quotes to help you travel with more freedom.
Pre-existing conditions can often make your policy cost more, as you may be more likely to have a medical emergency while you’re away. It’s important to be honest about your pre-existing conditions on your travel insurance to make sure you get the right cover. With PayingTooMuch, you’ll be shown a fair price for great quality cover you can trust.
Some destinations can drive up the cost of your travel policy. Healthcare in some countries, like the USA, can be expensive. Some places might also have a bigger risk of natural disasters such as earthquakes or tsunamis.
A weekend away is likely to cost less than a three week holiday. The longer you’re away, the greater the risk of needing medical attention, or losing your valuables.
New policies will cover you for emergency medical treatment for Covid-19 while you are away, as long as, before the trip begins, the Foreign Office (FCDO) has not advised against all but essential travel to your intended destination.
If the Foreign Office (FCDO) has advised against all but essential travel to your destination, you will only be covered if you select a product with the FCDO advice extension (Europe only).
Currently the Foreign Office (FCDO) advises against travel to certain destinations. Please see gov.uk/foreign-travel-advice for full details.
Before you buy a policy, it’s important to understand what you’re covered for and what you’re not.
Cancellation cover is designed to pay back any pre-paid expenses that would be lost if you’re forced to cancel your holiday before you travel.
It’s important to make sure that you choose a policy with enough cancellation cover for the costs you would need to claim for.
Travel insurance is designed to pay the costs for a medical emergency while you’re on holiday. You may have to pay an excess contribution to the total costs or you can choose a ‘nil excess’ option if you wish.
Some policies will cover emergency dental treatment if it’s for the immediate relief of pain.
All policies will pay to bring you back to the UK when this is recommended.
Treatment in a private hospital or clinic abroad is not usually covered if a suitable public or state facility is available.
PayingTooMuch meets the eligibility requirements for inclusion on the Money Helper travel insurance directory, which the FCA has confirmed meets its criteria for a 'medical cover firm directory'. The Money Helper customer contact centre freephone number is 0800 138 7777.
Single trip travel insurance is usually cheaper than annual multi-trip cover if you're only planning one shorter trip a year.
The cost of single trip policies varies based on things like where you're going, how long for, and any extra add-ons you might need. So, if you don't travel often, single trip insurance can be a better value option than annual cover.
Just remember to compare policies and choose one that strikes the right balance between cover and affordability. But if you take more than one holiday a year, annual multi-trip cover might offer better value.
Your single trip travel policy can cover you for every country you visit in one trip. All you need to do is tell us which countries you're planning to visit when you take out your policy.
If you're adding cruise cover, you'll also need to tell us which countries you're stopping at, even if you're not planning to get off the boat.
Taking out single trip insurance means you'll be covered if you're forced to cancel your trip or cut it short. This is why it's a good idea to sort your travel insurance as soon as you book your holiday. You'll get cancellation cover from the moment you take out cover, until you go on your trip.
We can help find you the right cover for your pre-existing conditions. Tell us about any medical condition that you’ve had in the past two years or if you've ever been treated for:
- High blood pressure, raised cholesterol, blood clots, aneurysm or any circulatory disease
- Heart attack, angina, chest pain(s) or any other heart condition
- Any form of stroke, transient ischemic attack (mini-stroke) or brain haemorrhage
Then you can compare medical travel insurance quotes to find a policy that suits you.