Depending on how often you travel, you should decide between taking out a Single Trip or Annual insurance policy. Single Trip holiday insurance is the best form of cover if you only plan on going away once in the near future.

But if you’re thinking of going away twice or more in a calendar year, it may be worth choosing an Annual travel insurance policy. You’ll need insurance each time you go away, and it can be cheaper and less time consuming to take out one Annual policy, rather than multiple Single Trip policies.

When you take out Single Trip travel insurance, you can travel to multiple destinations, as long as your trip does not last longer than 180 days. Whether you’re looking for Single Trip worldwide travel insurance or Single Trip travel insurance for multiple countries in Europe, we have you covered. With our policies, you can choose any area of cover that suits your plans. Choose between:  

• ‘Europe,’ which covers the UK, Continental Europe, islands in the Mediterranean, the Channel Islands, the Isle of Man, Morocco, Algeria, Tunisia, Libya, Egypt, Israel, Turkey, Madeira, the Canary Islands, the Azores, the Republic of Ireland, Iceland, Russia, Estonia, Latvia, Lithuania, Belarus, Ukraine, Moldova and Georgia.
• ‘Worldwide (excluding USA),’ which covers anywhere in the world except the USA, Canada and all islands in the Caribbean Sea, including the Bahamas.
• ‘Worldwide (including USA),’ which covers any country.

Please note that you will not be covered if you travel to a country or region that the Foreign and Commonwealth Office has advised against all travel or against all but essential travel. 

If you’re heading on holiday to Europe, Single Trip travel insurance is still important. The European Health Insurance Card (EHIC) gives you some basic medical cover, but you’ll need Single Trip holiday insurance too. Although your EHIC entitles you to either free or reduced medical costs (depending on how the health care system works in a particular country), it won’t cover you for everything. If you have to be treated in a private hospital or need to be flown back to the UK in an emergency, for example, you won’t be covered with an EHIC card.

If you fall ill and need to pay for any medical care whilst you’re away, it could cost you thousands of pounds. But, Single Trip travel insurance will help cover these costs. 

• If you have a pre-existing medical condition, you can still be covered by our Single Trip or Backpacker policies. Sadly, you cannot take out an Annual policy if you have pre-existing medical conditions. To check whether we can cover your pre-existing medical condition on your Single Trip holiday insurance policy, get a quote today.
  
  When applying for travel insurance that covers pre-existing conditions, you’ll need to disclose details of your medical history. This includes recurring injuries or illnesses, on-going or lifelong conditions, previous surgeries and any conditions you are currently suffering from. You should also list any conditions that you successfully manage – and any that you don’t – just in case, to make sure we can cover you.
• It is highly unlikely that we will pay any claim for medical expenses, cancellation or cutting short a trip if it relates to a medical condition that you have not told us about.

When you take out holiday insurance with medical conditions included, you will not be covered for any directly or indirectly related claims arising from the health of a travelling companion, someone you were going to stay with, a close relative or a business associate if, at the time your policy was issued:

• You were aware they have been receiving medical treatment or consultation at any medical facility for a medical condition in the last 12 months.
• You were aware they have been awaiting medical treatment or consultation at any medical facility or have been under investigation for a medical condition.
• You were aware that a doctor had diagnosed them as having a terminal condition, or that their medical condition was likely to get worse in the next 12 months.