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Single Trip Vacation & Travel Insurance

Last updated: 21st June 2023

What is single trip travel insurance?

Single trip travel insurance is a type of policy that offers coverage for individuals taking a one-off trip. This means that you can enjoy your trip with the peace of mind that comes with knowing that you are covered for any unforeseen eventualities. Unlike annual multi-trip travel insurance, single trip insurance is tailored to meet the specific needs of each unique trip, ensuring that you are not paying for coverage that you do not need.

Single trip insurance can cover a wide array of potential risks that may arise during your travels. This could include anything from trip interruption or cancellation to the loss or theft of your personal belongings. With single trip insurance, you can be sure that you are protected in the event of an emergency, and you can travel with confidence knowing that you are covered.

Whether you are planning a day trip, a weekend break, or a much longer vacation, single trip insurance can provide the coverage you need. If you have any questions about single trip travel insurance, we have compiled a list of some of the most frequently asked questions on this page. You can also quickly access the most relevant section via the menu.

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Couple relaxing on sun loungers next to the pool on vacation

Why do you need single trip travel insurance?

Preparing for your trip can be a daunting task, but getting travel insurance is one of the most important things you can do. No matter whether you're taking a well-deserved vacation or if you're a frequent flyer, unexpected medical expenses, accidents, or loss of personal belongings can cause you great hardship if you don't have insurance.

Despite the best laid plans, the unexpected happens all the time. You may fall ill, lose your luggage or experience travel delays, which can ruin your trip and leave you feeling stressed and helpless. However, with travel insurance, you can enjoy your vacation without worrying about any of the above.

In the event of an emergency, you can be assured of financial protection for only a few dollars per day. Travel insurance can cover medical emergencies, trip cancellations or interruptions, lost or stolen baggage, and many other unforeseen circumstances.

Besides providing financial protection, some travel insurance policies also offer additional benefits such as 24-hour emergency assistance, travel assistance services, and concierge services, which can help you make the most of your trip.

So, before you embark on your next adventure, make sure you have the right travel insurance to cover you in case of any unexpected mishaps. It will give you peace of mind and allow you to focus on having a fabulous time!

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What does single trip travel insurance cover?

There are different levels of single trip travel insurance. This is something to keep in mind when comparing quotes from different insurance providers.

Depending on what type of trip you're planning, it's wise to ensure you have the right type of cover to meet your needs.

Here are the two types of plans you can expect to compare.

Emergency medical insurance plan

This type of plan provides coverage for any emergency medical costs that may arise during your trip.

Hospitals in other countries can be extremely expensive and may require immediate payment in cash. There are many countries around the world where clinics and hospitals will not treat you if you do not have enough insurance or money to pay for your treatment.

Remember, the Government of Canada is not going to pick up your medical expenses if you have an accident or fall ill.

All-inclusive vacation insurance plan

It is important to consider travel insurance as an all-inclusive package that covers both medical emergencies as well as difficulties related to logistics such as lost or stolen baggage, trip cancellations, and travel interruptions. 

Besides the disappointment of missing out on an awesome vacation, the last thing that you want is to lose out financially. If you are going on a trip, it is an expensive investment.

When should you take out single trip travel insurance?

When it comes to travel insurance, it is important to make sure that you have told your insurer when and where you will be travelling. This is because a travel insurance policy is sold on the understanding that you provide this information, and as a result, you are covered for the entire duration of your trip.

However, it is worth bearing in mind that if you have purchased a policy with cancellation insurance, this policy will always be effective from the moment that payment is made. This means that you will be covered between the time you get insured and when you depart, giving you the assurance that if you need to cancel your trip during the interim period, you may be able to recover the cost (minus any deductible applied to the policy).

It cannot be overemphasised how important it is to ensure that your policy covers you for the correct time period. Always double-check your policy to make sure that you are not leaving anything to chance. If you are unsure, you can always call your insurer and get them to change the dates for you.

It's as simple as that! By taking these steps, you can ensure that you are fully protected and can enjoy your travels with peace of mind.

Perfect tropical paradise beach of Seychelles island with palm trees and hammock

Top tips for single trip travel insurance

Now that you know why single trip travel insurance is important, it's time to dive a little deeper into how you can get the most out of it and make the most informed decision possible.

When selecting a policy, it's crucial to consider the level of coverage you need rather than just going for the cheapest price. While it's tempting to opt for the most affordable option, this could end up costing you more in the long run if it doesn't offer the level of protection you require.

With that said, don't be discouraged from searching for a great deal on single trip travel insurance online. Just like you would compare the costs of flights and hotels for your vacation, it's worth it to compare the costs of different travel insurance policies to find the best option for you.

Compare Your Travel Insurance make it easy for you to compare quotes for single trip travel insurance from recognised and trustworthy providers. By comparing policies side-by-side, you can determine which policy offers the best price and coverage for your needs. But don't forget to read the small print to ensure that everything you need is covered and there are no surprises down the line.

Remember, investing in single trip travel insurance can provide you with peace of mind knowing that you are protected against any unforeseen circumstances that may arise during your travels. So, take your time, do your research, and choose the policy that offers the right level of coverage for you.

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If you are planning on making several trips a year, then an annual multi-trip plan could save you time and money. It is worth comparing coverage and rates.

A deductible is the amount that must be paid by you before the insurer begins to pay. For example, if your plan has a $500 deductible, and you have an accident that incurs medical costs of $2,000, you will have to pay the first $500 and your insurer would cover the additional $1,500 (or up to your coverage limits).

Deductibles can vary by coverage section and by insurer.

We can help you compare travel insurance coverage if you're a Canadian resident & covered by a Government Health Insurance Plan in your province or territory of residence for the entire duration of your trip.

You are not travelling against the advice of a physician, been diagnosed with a terminal illness, metastatic cancer, require kidney dialysis or travelling to get medical treatment or advice abroad.

You have not been prescribed or used home oxygen in the last twelve months, undergoing investigative treatment for shortness of breath or chest pain.

You have never had a bone marrow, stem cell or organ transplant and do not require assistance with activities of daily living as a result of a medical condition or state of health.


Some standard policies may provide limited coverage for COVID-19 based on the Government’s travel advisory levels. There are some policies that offer specific coverage for COVID-19 should the Government have a travel advisory in place to limit travel due to COVID-19. It’s always important to review your policy’s terms and conditions.

Healthcare in other countries can be very expensive, especially in the United States. A simple emergency room visit can cost someone a few thousand dollars without health insurance. More severe reasons for conditions could cost hundreds of thousands. 

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Tommy Lloyd
Author: Tommy Lloyd, Managing Director

Tommy has over 15 years experience within the insurance industry, having worked with some of the worlds largest insurers. Tommy’s primary focus has been developing the best possible online experience for travellers looking to compare travel insurance rates. Music and travel are two of Tommy's greatest interests, and even better when he can combine the two together!


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