Compare single trip travel insurance

Your cover is designed to protect you against the most common risks when travelling. Typical benefits include:

• emergency medical treatment and repatriation – covers hospital care abroad and, if needed, getting you safely back to the UK 

 

• trip cancellation or cutting your holiday short – helps recover costs if you can’t travel or have to return early for a covered reason 

 

• lost, stolen or damaged belongings – including luggage, passports, travel money and other essentials 

 

• travel delays and missed departures – support if your plans are disrupted by events like bad weather, strikes or airline issues 

When you compare with PayingTooMuch, you’ll only see policies from established travel insurance providers. We work with specialist providers experienced in medical cover. 

You can tailor your policy to add protection for specific trips, such as: 

• winter sports cover – for a skiing and snowboarding holiday 

 

• cruise cover – designed for holidays at sea 

If you’re only planning one holiday this year, a single trip policy could be the simplest and best-value option. It gives you: 

• straightforward cover for just one trip 

 

• protection before you even set off – cancellation cover starts as soon as you buy 

 

• help with unexpected costs abroad – like medical bills, lost baggage or delays 

There isn’t a one-size-fits-all price – your premium depends on a few key things: 

• Your age – costs can rise as you get older, but there are still plenty of affordable options for over 50s, 60s and 70s. 

 

• Your destination – travelling to places with high medical costs, like the USA, usually makes cover more expensive. 

 

• Trip length – a quick weekend break is generally cheaper to insure than a longer holiday. 

 

• Your medical history – pre-existing conditions may increase the cost, but we show you policies that include them fairly. 

The important thing is to choose a policy that balances cost with the cover you need. Comparing with PayingTooMuch makes it easy to see the right options for you, at the right price. 

You don’t have to pay over the odds to get good cover. A few simple steps can help keep costs down while still protecting your holiday: 

• Buy early – taking out your policy as soon as you book means cancellation cover starts straight away. 

 

• Be honest about medical conditions – it doesn’t always mean a big increase in cost, but it does mean your cover will work if you need it. 

 

• Choose the right cover level – the cheapest option isn’t always best if it leaves out important protection. 

Your health shouldn’t stop you from travelling. Many people worry that medical conditions will make insurance too expensive or difficult to find – but with PayingTooMuch, you can compare multiple options.

We compare policies from providers who specialise in covering a wide range of conditions, including:

• diabetes 

 

• high blood pressure and cholesterol 

 

• heart conditions (including past heart attack or angina) 

 

• stroke or mini-stroke history 

 

• cancer (past or ongoing treatment) 

When you compare quotes, we’ll ask you some simple medical questions. By answering honestly, you’ll only see policies that are designed to cover your situation – so you won’t waste time on providers who can’t help. 

Covering your conditions properly is important. If you don’t declare them, you could risk a claim being refused later. But when you do declare them, you’ll be matched with providers who are clear, fair and experienced in supporting people with health conditions. So if you ever need medical help abroad, your policy is designed to support you. 

Needing to make a claim is never ideal, but it helps to know you’re in good hands.  

If you do need to claim, the process usually involves:

• contacting your provider’s claims team (many are available 24/7). 
• providing any documents they ask for, such as receipts, medical reports or police references. 
• getting updates from your provider until your claim is resolved. 

 Learn more about making a successful claim in our blog.  

No travel insurance policy covers everything. Common exclusions include: 

• incidents linked to alcohol or drugs 

 

• undeclared medical conditions 

 

• travelling against Foreign Office advice 

 

• cancelling your trip because you change your mind 

 

• travelling specifically for medical treatment 

 

Each policy is different, so it’s always worth checking the documents before you buy. That way, you’ll know exactly what is and isn’t included for your trip.

• Your cover starts from the moment you buy your policy – not just the day you travel. 

 

• You’ll get your policy documents straight to your inbox. 

 

• If you need to claim, your travel insurance provider will explain exactly what to do and what evidence you need. 

It’s quick, simple, and designed to take the stress out of travel mishaps.

The best time is as soon as you book your holiday. This gives you: 

• immediate cancellation cover from the day you buy your policy 

 

• protection if something unexpected happens before you travel 

 

• the longest possible period of cover for your trip 

If you’re taking two or more holidays, you could save more with an annual multi-trip policy.