Can I get travel insurance for one trip?
You can buy policies that cover a single trip, multiple trips or a full year. You can buy an individual policy or one that covers your entire family. There are many companies that offer policies, with Allianz and Travel Guard among the best-known.
One-way travel insurance is more flexible, so you don't have to have an exact return date – or even return at all – to be able to access the cover you need. One-way travel insurance could suit you if: You're going on a gap year and don't know when you'll return.
Single-trip travel insurance plans can help you manage the risks associated with travel, including trip delays, cancellations and medical emergencies. Even if these unwanted events don't occur on your vacation, single-trip travel insurance provides peace of mind knowing you have financial support if needed.
Yes, you can! If you're already overseas, even if you have a flight home, the policy you're buying is considered a one-way trip... it's just one-way home. Just remember that there's a 72-hour waiting period from the time you buy the policy.
- Have you had any surgery, inpatient, or outpatient treatment or any referrals or investigations?
- Have you had any unplanned hospital admissions?
- How many medications do you take?
- Are you or have you ever been a smoker?
A single trip policy covers you for a one-off holiday to a destination (or destinations) of your choice and ends when you come home. It's worth taking out single trip cover as soon as you book your break, so there's a policy in place if you need to cancel your trip for one or more reasons covered by your policy.
However, depending on your provider, travel insurance costs can range from 4%-16% of your trip cost. That means for that $1,000 trip, you might find coverage for as little as $40 or up $160 on the high end. Costs vary across providers, level of coverage and factors like your age and destination.
This will depend on your situation, but if you are certain you will only travel once in the next 12 months, you should get a single trip policy for that holiday. If you are unsure of how many trips you will take, an annual policy may be more expensive, but it will give you the peace of mind of knowing you are covered.
Most travel insurance policies won't pay out if you're negligent while under the influence of alcohol or drugs, and have an accident or have property stolen.
If you're wondering when you should buy travel insurance, the simple answer is as soon as possible. Ideally, you'll buy coverage no later than 15 days prior to your trip.
Do you have to travel together on travel insurance?
However, if you choose annual couples travel insurance, both adults named on the policy can travel indepenently. This can be useful if you're going away on a regular basis but can't always guarantee that you can go together.
| Best travel insurance category | Company winner |
|---|---|
| Best for medical coverage | Travelex Insurance Services. |
| Best if you have travel credit card coverage | Seven Corners. |
| Best for long-term travelers | IMG. |
| Best for travelers with unpredictable work demands | Tin Leg. |
- ICICI Lombard.
- HDFC Ergo.
- Bajaj Allianz.
- Reliance Insurance.
- Royal Sundaram.
By far, the most common and often most significant travel insurance claim is for medical emergencies. A sudden illness or injury during your trip can not only ruin your plans but also cause a severe financial strain.
If your trip is cancelled or disrupted, and the incident is covered under your travel insurance plan, you file a claim with your insurer. You may be asked to submit documentation so your losses can be verified and your benefits can be approved.
Holidaymakers often ask: 'Is high blood pressure a pre-existing medical condition for travel insurance? ' The answer is simple – high blood pressure is classed as a pre-existing medical condition, so you do need to tell your insurance provider when applying for a policy.
What type of travel insurance do I need? There are two main types of travel insurance: trip protection plans and travel medical plans.
You can get it through credit cards or third-party companies, & can shop on travel insurance comparison sites. Before buying, evaluate risks, know existing coverage, obtain quotes online and review policy details warily.
Pay monthly
Our monthly payment plan is quick and simple to set up online or over the phone. If your application is successful, a credit agreement will be set up with our chosen credit provider, Premium Credit Ltd. Staysure is a credit broker, not a lender. Monthly payments are not available on Single Trip policies.
While it's possible to buy travel insurance up until just before — or even after — you depart, the best time to do so is shortly after you begin booking the trip.
Does travel insurance cover 100%?
If all conditions are met, most of the policies will reimburse you 50% to 75% of your trip costs, unless otherwise noted.
Allianz is a popular choice among business travelers due to its AllTrips Executive travel insurance policy with coverage for lost, stolen or damaged business equipment and rental car insurance. Earning 4.1 out of 5 stars, our expert reviewers think Allianz is a great choice for international travel insurance.
Wait—what if you haven't figured out your entire trip cost within 14 days of making your first trip deposit? It's okay! Just don't delay. Go ahead and purchase travel insurance within that 14-day window, making sure you select a plan with the existing medical condition benefit.
If your trip includes other nonrefundable bookings, such as hotel stays, car rentals and excursions, you would be better off purchasing a standalone travel insurance policy to cover the entire trip. You may also be able to rely on your credit card for coverage.
Unlike other aspects of your travel experience like airfares or hotel-room rates, the price of travel insurance doesn't increase the closer you get to your travel date. There's no financial penalty if you wait to buy travel insurance (except for those bonus coverages, of course).
