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What is Single Trip Travel Insurance?
Single Trip Travel Insurance covers one trip to your chosen destination or destinations, for the dates shown on your policy. It suits a short UK break, a holiday abroad, or a longer stay. If you’re planning several trips in the next 12 months, compare it with Annual Multi-Trip Travel Insurance to see which suits your plans.
At AllClear, we specialise in Travel Insurance for people with pre-existing medical conditions. Our Single Trip policies have no upper age limit, and we can consider more than 1,300 medical conditions, helping you find cover for the holiday you have planned.
Why do you need Single Trip Travel Insurance?
An unexpected illness or injury could leave you facing medical bills and the cost of getting home. Even one trip can involve expenses you couldn’t easily cover yourself. Figures from the Association of British Insurers (ABI) show how much these costs can reach:
- Medical expenses accounted for 34% of Travel Insurance claims in 2024, a stark reminder of why it’s important to have travel cover in place
- In 2025, one insurer paid £500,000 for a customer’s emergency surgery in the USA and medical repatriation to the UK, demonstrating how much an individual claim can cost
- According to the ABI, the average claim for emergency medical treatment abroad is at its highest since records began, with claims costing as much as £250,000
Even one holiday can involve costs you couldn’t easily cover yourself. An unexpected illness could mean cancelling before you leave, needing medical treatment abroad or getting help to return home.
Single Trip Travel Insurance can help with:
- Emergency medical expenses if you become unexpectedly ill or injured abroad, including cover for declared and accepted medical conditions
- Cancellation costs if you need to cancel for a reason covered by your policy
- Repatriation costs if you need help getting home because of a medical emergency
A Global Health Insurance Card (GHIC) can provide access to necessary state healthcare in participating countries, but it does not replace Travel Insurance or cover repatriation. For example, the cost of emergency medical treatment and repatriation for one UK traveller in Spain was £124,000.
Before buying, check that your policy covers your destinations, the full length of your trip and your medical conditions. Always read the Policy Wording for cover limits, conditions and exclusions.
What are the benefits of Single Trip Travel Insurance?
Single Trip Travel Insurance lets you arrange cover around one holiday. If you’re only planning one trip, or taking a longer break, it could suit your plans better than an annual policy.
- Potential savings for one holiday – Single Trip cover may cost less than an annual policy if you’re travelling just once
- Cover for your itinerary – Arrange insurance for your travel dates and the destinations you’ll visit
- An option for longer stays – Annual policies limit each trip’s length, so compare Single Trip cover for an extended holiday
- Optional extras for your plans – Add cover such as Gadget Cover or Golf Cover where available
If you have more holidays planned, compare the total cost of separate policies with Annual Multi-Trip Travel Insurance. Check that your chosen policy covers the full length of each trip and any activities you plan to enjoy.
Why choose AllClear for Single Trip Travel Insurance?
Your holiday plans are specific to you. Your Travel Insurance should cover them too, from the countries you’ll visit to the medical conditions you live with.
With AllClear Single Trip Travel Insurance, you can choose cover for one particular journey. Tell us where you’re going, how long you’ll be away and your medical history, then compare our Gold, Gold Plus and Platinum policies to find the cover that suits your trip.
Behind that cover is more than 25 years of experience specialising in Travel Insurance for people with pre-existing medical conditions. When you choose AllClear, you’ll benefit from:
Specialist medical cover – We can consider more than 1,300 pre-existing medical conditions
No upper age limit – Explore Single Trip policy options at any age
24/7 emergency assistance – Contact our emergency team if you need medical help abroad
Unlimited medical cover on Platinum – Including emergency medical expenses and repatriation
Which? Best Buy recognition – Gold, Gold Plus and Platinum were all recognised in 2026
Highly rated customer experience – 98% rated their AllClear experience ‘Excellent’ or ‘Great’¹
What does AllClear’s Single Trip Travel Insurance cover?
AllClear’s Single Trip Travel Insurance can help protect the money you’ve put towards your holiday and cover unexpected costs while you’re away. That could mean cancelling for a covered reason before departure or needing emergency medical treatment during your trip.
For one holiday, think about what you’d need your policy to pay for. Compare your prepaid trip costs with the cancellation limit, and check the baggage allowance against what you’ll pack. Declare your pre-existing medical conditions when you get a quote so we can consider them as part of your cover.
Always read the Policy Wording for cover limits, conditions and exclusions.
What’s covered?
- Emergency medical expenses and repatriation costs – This includes the costs of tests, medications and procedures needed to treat an illness or injury while away. You’ll also be covered for repatriation to bring you safely back to the UK. Without Travel Insurance, costs for these kinds of expenses can quickly run into the thousands
- Cancellation – cover for flight and accommodation costs if an unexpected event means you have to cancel your trip before you go (providing your policy includes cancellation cover)
- Cutting your trip short – Cover if you need to return home early following an emergency
- Travel delay – If your flight is delayed, we’ll compensate you for the time
- Personal belongings – You’ll be covered if your baggage or its contents are lost or stolen
- Personal liability – Cover for your legal expenses and any liability due if you accidentally injure someone or damage their property while you’re away on holiday
- Legal protection cover – Provides cover for your legal expenses if you have to claim compensation or damages due to something that happened while you were away on holiday
What’s not covered?
- Claims below the value of the excess – For most claims you won’t be covered for the Travel Insurance excess (the first part of any claim)
- Trips outside region of cover – Your cover is limited to trips within the designated region of cover you chose
- Known events or circumstances: Claims related to events or issues that you knew about before buying the Travel Insurance or before booking any individual trip are not covered
- Medical conditions you don’t declare – You need to declare all of your medical conditions as fit within the medical warranty
- Choosing not to travel – We know that sometimes plans change, but you’re only covered for cancellation where the reason falls within the policy terms and conditions
Levels of Travel Insurance cover
Buying a Single Trip or Annual Multi-Trip policy? Choose from three levels of cover: Gold, Gold Plus, and Platinum.
Gold
Endorsed by Which?
Emergency Medical & Repatriation Cover
£10,000,000
24/7 English-speaking emergency helpline
Cancellation and cutting your trip short
£2,000
Gold Plus
Endorsed by Which?
Emergency Medical & Repatriation Cover
£15,000,000
24/7 English-speaking emergency helpline
Cancellation and cutting your trip short
£5,000
(Up to £15,000 available)
Platinum
Endorsed by Which?
Emergency Medical & Repatriation Cover
Unlimited
24/7 English-speaking emergency helpline
Cancellation and cutting your trip short
£10,000
(Up to £25,000 available)
All these figures are per person, and per trip.
How to choose the right Single Trip Travel Insurance
Start with your itinerary. Check that your policy includes every destination you’ll visit and covers your whole trip, from leaving home to returning. For a longer stay, check the maximum trip length available for your age and destination.
Declare your pre-existing medical conditions, then compare cover against your holiday plans. Look at emergency medical and repatriation limits, cancellation cover for your prepaid costs and the excess you’d pay towards a claim. Check if any activities or a cruise need additional cover.
Before buying, read the Policy Wording so you understand what’s included and excluded. If you’re planning other holidays this year, compare Single Trip with Annual Multi-Trip cover, too.
Single Trip vs Annual Multi-trip Travel Insurance
When comparing Annual vs Single Trip Travel Insurance, it’s important to consider how often you travel, overall cost, and convenience. Here’s how the two options differ:
| Feature | Single Trip | Annual Multi-trip |
|---|---|---|
| Number of trips | One trip only | Unlimited trips within 12 months |
| Best for | Occasional travellers | Frequent travellers |
| Cost | Lower upfront cost | Often cheaper over multiple trips |
| Convenience | New policy needed for each trip | One policy for all trips |
How long can Single Trip Travel Insurance cover you for?
Single Trip Travel Insurance can cover holidays lasting up to 365 days, depending on your age, destination and the cover available when you get a quote.
You can arrange cover for a short weekend away, a few weeks abroad or an extended stay. For a three-month or six-month trip, check the maximum duration available for your age and destination before booking.
Your policy should cover the whole journey, from leaving home to returning, including every destination you’ll visit. Enter your full travel dates when getting a quote, and check the agreed dates on your policy schedule.
Always read the Policy Wording for trip duration limits, conditions and exclusions.
Can you get Travel Insurance for three or six months?
Yes, Single Trip Travel Insurance can cover a three-month or six-month holiday, as long as the full stay falls within the trip duration limit for your age and destination.
If you’re spending winter abroad or taking an extended trip to visit family, arrange cover for the entire time you’ll be away. Include every country you plan to visit and declare your pre-existing medical conditions when getting a quote.
An annual policy does not automatically cover a continuous stay of three or six months. Annual Multi-Trip policies limit the length of each individual trip, so check this carefully when comparing your options. Enter your full travel dates when getting a quote to check the cover available for your plans.
How much does Single Trip Travel Insurance cost?
The cost of Single Trip Travel Insurance depends on you and the holiday you’re planning. We use your travel details and answers to the medical screening questions to calculate a personalised quote.
The main factors that affect your price include:
Your destination – Healthcare costs vary between countries, which can affect your premium
Your trip length – A longer stay will usually cost more to insure than a short break
Your age and medical history – Your quote takes account of your individual circumstances
Your cover level – The benefits, limits and excesses you choose affect the price
Optional extras – Adding cover for activities or belongings can increase your premium
When comparing quotes, check the cancellation limit against your prepaid holiday costs, alongside medical cover and the excess you’d pay towards a claim.
Get a personalised AllClear quote online or by phone to see the price for your trip.
Single Trip Travel Insurance with medical conditions
Planning a holiday means choosing cover for your health and your itinerary. If you live with a pre-existing medical condition, make sure your policy covers it for the entire time you’ll be away.
We specialise in Travel Insurance for people with medical conditions. Complete our medical screening when getting a Single Trip quote so we can assess your health alongside your destination and travel dates.
We can consider more than 1,300 pre-existing medical conditions, including:
Heart and circulatory conditions, including heart disease, high blood pressure and strokes
Respiratory conditions, including asthma and COPD, even if managed with regular medication
Digestive and metabolic conditions, including Crohn’s disease and diabetes
Other medical conditions, including cancer, epilepsy and arthritis
Should you declare your pre-existing medical conditions?
Yes, you must declare your medical conditions during our medical screening, even if they are stable or controlled with medication.
We’ll ask about your diagnoses, medication and treatment to understand the cover available for your holiday. Answer fully and accurately, and check anything you’re unsure about rather than guessing. Missing or incorrect information could affect your cover or lead to a claim being rejected.
Check the medical declaration requirements in your Policy Wording, including the time periods the questions refer to. If your health changes before you travel, contact us so we can explain what this means for your policy.
Find the best Single Trip Travel Insurance for your travels
With our Single Trip Travel Insurance policies, you can design your policy to suit the type of holiday you enjoy. Here are some of the options available:
- Cruise Cover – If you’re planning to join them on board, remember that Travel Insurance for a cruise is an essential requirement for many cruise companies. AllClear’s one trip Travel Insurance for a cruise includes specific benefits, such as missed port departure, cabin confinement, itinerary change, unused excursions and cruise interruption.
- Group Travel Insurance – Planning a one-off trip with friends and family? With Group Travel Insurance, two to ten travellers can be covered together.
- Natural Disaster Cover – Offers protection for travel and accommodation costs incurred as a result of events such as wildfires and earthquakes.
- Gadget Cover – If you damage or lose your electronic devices, adding this type of cover to your Single Trip Insurance will protect you from financial loss.
- Golf Cover – Tee off in confidence, safe in the knowledge that your golf equipment, and other aspects of your golfing holiday, are covered.
- Payment options – Pay for your Single Trip Travel Insurance using a debit card, credit card or Apple Pay
These are just a few examples of the types of Travel Insurance we provide. To find out more about the different cover types we offer, explore our individual Policy Types and Travel Insurance pages. You can access these directly in the top menu.
How do you get a Single Trip Travel Insurance quote?
You can get an AllClear Single Trip Travel Insurance quote online or by phone. Have your travel dates, destinations and medical information ready.
1. Tell us about your holiday
Provide the details of everyone you want to insure, every destination you’ll visit and your departure and return dates. For a longer stay, enter the full trip length so we can check the cover available.
2. Complete your medical screening
Answer our questions about your medical conditions, prescribed medication and treatment. Give full and accurate answers, even if your conditions are stable or controlled with medication. Check anything you’re unsure about rather than guessing.
3. Compare your quote options
Review the available policies, including their prices, cover limits and excesses. Check they meet your holiday needs, then choose to buy your policy or save your quote for later.
“If you’re only going away once in the next 12 months, Single Trip Insurance could be just what you need. With Single Trip Travel Insurance, you can buy your policies as and when you need them, with cover for any specific activities you plan.”
Letitia Smith – Travel Insurance expert and Head of Communications
What our customers say
Want to know why we’re rated 4.8 out of 5 on Trustpilot? Hear it from the experts – people just like you.
AllClear Travel Insurance
“I called to arrange a Single Trip Travel Insurance cover. The phone was answered very quickly and I spoke to Hafees. He was very helpful and polite. No hard selling. He arranged my cover very quickly and answered all my questions. I highly recommend AllClear travel for anyone with lots or complex health conditions. Prices are very good and the customer service is very good and in the UK, which is unusual nowadays.”
Managing your Single Trip policy after purchase
Travel plans don’t always stay the same. If you’ve changed your departure date or need to update your policy before you set off, we’re here to help.
Depending on your policy, you may be able to:
- Update your contact details
- Amend your travel dates if your plans change
- Add optional extras, such as Gadget or Natural Disaster Cover
- Access your policy documents
- Contact our award-winning² customer service team for help with your policy
If you need to make changes before your trip or have any questions about your cover, simply get in touch. We’ll explain your options and help you prepare for your holiday with confidence.
Single Trip Travel Insurance FAQs
Yes, our Single Trip Travel Insurance can cover pre-existing medical conditions you declare. We can consider more than 1,300 medical conditions.
Travelling with a medical condition shouldn’t have to mean missing out on your holiday. At AllClear, we specialise in helping people with pre-existing medical conditions find Travel Insurance that’s right for them.
During your quote, we’ll ask you to complete a medical screening so we can understand your health and provide cover that’s tailored to your individual circumstances.
AllClear’s Single Trip Travel Insurance has no upper age limit.
We know every traveller is different, so instead of basing decisions on age alone, we’ll also consider your destination, trip length, and any pre-existing medical conditions when you get a quote. This means you can explore your options with confidence, no matter what stage of life you’re in.
Yes, we offer Single Trip Travel Insurance for people over 80, with no upper age limit.
We’ll consider your medical conditions, destination and trip length when you get a quote. For example, if you’re planning a holiday to Spain, include your full travel dates and declare your pre-existing medical conditions so we can assess the cover available.
Check the maximum trip duration offered for your age and destination, particularly if you’re planning a longer stay.
Yes, AllClear’s Single Trip Travel Insurance is available to travellers aged 85 and over. There are no upper age limits on our policies.
Your quote takes account of your medical history, where you’re going and how long you’ll be away.
Complete our medical screening to find out what cover we can offer for your holiday. Before buying, check that the policy covers your declared and accepted medical conditions and the full length of your stay, as trip duration limits can vary by age and destination.
Buy Single Trip Travel Insurance as soon as you’ve booked your holiday, so you can benefit from cancellation protection before departure.
You can buy AllClear Single Trip Travel Insurance up to 12 months before you travel. If your policy includes cancellation cover, this starts as soon as you buy it and can help with unrecoverable costs if you need to cancel for a covered reason.
Cover during your holiday applies to the travel dates shown on your policy. Always read the Policy Wording for cancellation reasons, limits and exclusions.
If something unexpected happens during your trip, you can start the claims process by contacting our dedicated claims team. They’ll explain what information you’ll need based on the type of claim you’re making, whether it’s for a medical emergency, cancelled holiday or lost baggage. Having your policy number and any supporting documents to hand can help us process your claim as quickly as possible.
Travel Insurance is worth considering even for a weekend away.
A short trip can still involve unexpected illness, lost belongings or cancellation costs. If you’re travelling abroad, emergency medical treatment and getting you home could cost far more than the break itself.
Our Single Trip Travel Insurance can cover one short break, with protection depending on the policy you choose. For a UK weekend away, check the policy’s requirements for domestic trips.
If you’re planning several breaks during the year, compare the cost and benefits of Annual Multi-Trip cover with separate Single Trip policies.
Annual Multi-Trip Travel Insurance can offer better value if you’re taking several holidays in a year, but there’s no fixed number of trips that makes it cheaper for everyone.
Compare an annual quote with the total cost of Single Trip policies for your planned holidays. Your destinations, trip lengths, age and medical conditions will affect the prices available.
Check the cover limits and excesses too, and make sure every holiday fits within the annual policy’s maximum trip duration. For one holiday or a longer stay, Single Trip cover may be more suitable.
Yes, one AllClear Single Trip policy can cover multiple countries within the same trip.
When getting a quote, tell us every destination you’ll visit, including any cruise ports, so we can assess the cover you need.
Check that your policy includes all your destinations and covers the full journey, from leaving home to returning. If you add another country to your itinerary after buying, contact us before travelling so we can check and update your cover.
Yes, our Single Trip Travel Insurance includes cancellation cover unless you choose to exclude it when buying your policy.
Cancellation cover can help with prepaid travel and accommodation costs you cannot recover elsewhere if you cancel for a covered reason, such as an unexpected illness or injury.
Choose a cancellation limit that reflects your share of the holiday’s prepaid costs. Always read the Policy Wording for covered reasons, limits, conditions and exclusions.
Yes – a Global Health Insurance Card (GHIC) does not replace Travel Insurance.
It gives you access to medically necessary state healthcare in participating countries on the same terms as local residents. This includes treatment for pre-existing medical conditions, but healthcare may not be free.
A GHIC does not cover private medical treatment or repatriation to the UK. It also offers no protection for holiday cancellation or lost baggage.
AllClear’s Single Trip Travel Insurance can provide wider protection for your holiday, including cover for declared and accepted medical conditions and access to 24/7 emergency medical assistance. Always read the Policy Wording for cover limits, conditions and exclusions.
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Letitia is a Travel Insurance expert with more than 20 years experience in science and medical communication and helping people find specialist insurance. As Head of Communications at AllClear, she brings in-depth knowledge on medical cover. Letitia cares about supporting people with medical conditions to travel with confidence.
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^ Based on UK companies in the 'insurance' category on Trustpilot, as of July 2025. AllClear Gold, Gold Plus and Platinum policies achieved Which? Best buy. AllClear Gold Plus and Platinum has been 5 Star rated by Defaqto.
1 Based on 230,000+ Trustpilot responses, as of July 2026.
2 UK Broker Awards, Customer Service Awards 2025.
