Single Trip Travel Insurance

Single-trip travel insurance is designed to provide affordable cover for just one trip. This is a suitable option for single travellers or families that generally only take one major trip per year. It is usually quite flexible and less expensive than annual policies covering multiple trips in a year.

Before you travel on your next holiday, remember to purchase single-trip travel insurance. Not sure what to look out for? Our guide provides an overview of what to check before buying.

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Name	Product	Medical Cover	Cancellation Cover	Baggage Delay	With COVID-19 Coverage?	Offer
DISCOUNT 35% Starr TraveLead Travel Insurance - Single Trip Starr TraveLead Travel Insurance - Single Trip	DISCOUNT 35%	Up to $1,000,000	Up to $15,000	Up to $1,200	Yes	Includes coverage of up to $100,000 for Overseas COVID-19 related medical expenses and up to $1,000 for COVID-19 Trip related cancellation/curtailment. Enjoy 35% off for all destinations (Code: FINDER35).	Get quote View details	Compare	loading Fetching your data...
DISCOUNT FWD Premium Travel Insurance FWD Premium Travel Insurance	DISCOUNT	Up to $200,000	Up to $18,750	$150	Optional	Get 25% discount for both single and annual travel insurance plans using promo code FINTRIP. T&Cs apply. Ends 19 March 2023.	Get quote View details	Compare	loading Fetching your data...
DISCOUNT 40% DirectAsia Single Trip Plan DirectAsia Single Trip Plan	DISCOUNT 40%	Up to $1,250,000	Up to $37,500	Up to $2,500	Optional	Get 40% discount when you purchase either Single or Annual Travel Insurance plan. T&Cs apply.	Get quote View details	Compare	loading Fetching your data...
MSIG TravelEasy Standard MSIG TravelEasy Standard		Up to $800,000	Up to $12,500	Up to $1,200	Yes	Get 40% off single-trip plans and 20% off annual trip plans. COVID coverage included. T&Cs apply. Offer valid until 30 April 2023.	Get quote View details	Compare	loading Fetching your data...
Tiq Travel Insurance Tiq Travel Insurance		Up to $1,000,000	Up to $10,000	Up to $200	Optional	Get 40% off travel insurance with single-trip plans and 60% off on COVID-19 add-on for annual plans. Just enter “TRAVEL40” at checkout to travel worry-free today. Offers valid until 31 Mar 2023. T&Cs apply.	Get quote View details	Compare	loading Fetching your data...
Income Standard Plan Travel Insurance Income Standard Plan Travel Insurance		Up to $3,000,000	Up to $45,000	Up to $4,000	Yes	A travel insurance plan with a standard array of benefits, ranging from medical and personal accident to trip inconvenience benefits such as trip cancellation, flight delays and baggage loss.	Get quote View details	Compare	loading Fetching your data...
Allianz Single Trip Travel Insurance Allianz Single Trip Travel Insurance		Up to $1,000,000	Up to $15,000	Up to $1,400	Yes	Get 40% discount when you purchase any Allianz Travel Insurance plans using promo code 'TRAVEL40'. Ends 30 April 2023. T&Cs apply. Enjoy comprehensive cruise coverage with Allianz Travel Platinum plans. Includes COVID-19 cover. Opt for annual plans to get unlimited coverage in a year.	Get quote View details	Compare	loading Fetching your data...
DISCOUNT FWD First Travel Insurance FWD First Travel Insurance	DISCOUNT	Up to $1,000,000	Up to $37,500	Up to $900	Optional	Get 25% discount for both single and annual travel insurance plans using promo code FINTRIP. T&Cs apply. Ends 19 March 2023.	Get quote View details	Compare	loading Fetching your data...
MSIG TravelEasy Pre-Ex MSIG TravelEasy Pre-Ex		Up to $1,000,000	Up to $15,000	Up to $1,500	No	Travellers with stable and controlled pre-existing medical conditions can choose from three levels of MSIG TravelEasy covers (Standard, Elite and Premier) at a slightly higher premium.	Get quote View details	Compare	loading Fetching your data...
Income Enhanced PreX Plan Travel Insurance Income Enhanced PreX Plan Travel Insurance		Up to $3,000,000	Up to $45,000	Up to $4,000	Yes	Comprehensive coverage designed to address the needs of travellers with stable pre-existing medical conditions, namely asthma, high blood pressure and heart disease.	Get quote View details	Compare	loading Fetching your data...
MSIG TravelEasy Premier MSIG TravelEasy Premier		Up to $2,600,000	Up to $37,500	Up to $3,000	Yes	Get 40% off single-trip plans and 20% off annual trip plans. COVID coverage included. T&Cs apply. Offer valid until 30 April 2023.	Get quote View details	Compare	loading Fetching your data...
MSIG TravelEasy Elite MSIG TravelEasy Elite		Up to $1,400,000	Up to $25,000	Up to $2,000	Yes	Get 40% off single-trip plans and 20% off annual trip plans. COVID coverage included. T&Cs apply. Offer valid until 30 April 2023.	Get quote View details	Compare	loading Fetching your data...

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What does it cover?

Most policies will provide standard cover for:

• Overseas medical emergencies
• Trip cancellation and lost deposits for flights, accommodation and tours
• Lost, damaged and stolen luggage and valuables
• Personal liability

Many providers will also offer additional cover so you can tailor your policy closer to the trip you will be taking, i.e. winter sports or cruise cover.

This article will offer key tips on what to look for in a policy and how to get an affordable cover that still provides enough protection.

Should I get a single trip or annual multi-trip travel insurance?

Not sure whether a single trip or annual policy is better for you? Consider these points:

• Annual cover is usually only cheaper for those who travel overseas at least three times a year. If you don’t travel that often you may be better off going with a single-trip policy.
• Most single trip policies will allow you to take out cover for up to 12 months (some specified policies extend this to 18 months). Individual trips on annual policies are usually only available for 30, 60, 90 day periods. If you plan on staying at your destination for longer than this period, you are better off going with a single trip cover.
• There may be lower age limits to single-trip policies.
• Some annual policies will have a reduced level of cover to that offered on the single trip policy.
• Cover for groups is generally not available under annual policies.
• Travellers with pre-existing medical conditions can have difficulty taking out annual travel insurance and will usually have to purchase individual cover for each trip and provide evidence of their health at each application.
• Single trip travel insurance may be more suitable if you need additional cover for your trip, i.e. winter sports cover, cover for valuable items etc.
• Not all trips are the same, and you may only require a reduced level of cover for certain trips.

Looking for a family policy for a single trip?

You may be able to secure a better rate on your travel insurance policy by applying for group cover for your family instead of individual policies. The typical family travel insurance policy covers two adults and four children under 21 years of age, though this may vary between providers. Some benefits of this option for policy owners include:

• The convenience of having only one policy to manage. The reduced hassle of managing multiple policies in case of a claim.
• Generally provides a higher level of cover than individual policies. This includes higher levels of cancellation protection, alternative accommodation and baggage cover.
• Free child cover options. In some cases, the children named in the policy are included without you having to pay any extra cost.

Looking for a group policy for a single trip?

It is also possible to obtain single trip insurance for a group travelling together. It is a far cheaper way of getting comprehensive coverage for all without everyone having to worry about arranging and taking out their protection. Group single trip insurance is ideal for friends travelling together to a common event, such as a major sporting event or concert in another country. It is also an ideal cover for groups of co-workers travelling abroad for a conference. For this reason, group cover will give you the same individual protection you would have received if you had ‘gotten it alone’ and often at a much more competitive rate.

Here are some things to look out for when considering a group cover:

• It might not cover you for some pursuits such as extreme sports such as jet skiing, rock climbing and scuba diving. If you are looking to do extreme sports overseas, be sure to check out extreme sports travel coverage. It’s a good idea to ask the insurer if the activities you want to try are covered before you purchase the policy as different insurers might have a different idea of what counts as ‘extreme’.
• The number of people covered under a group policy. The total number of travellers that can be covered may vary from policy to policy. Most group policies will provide cover for up to 8 to 12 travellers.
• Older travellers in the group might have trouble arranging group single travel insurance, especially those 65 years of age and over. An increased level of risk of a claim from pre-existing medical conditions will usually require each member of the group to take out an individual policy.
• Conditions apply to each member. Anyone looking to apply for group cover should remember that the same policy conditions and exclusions will apply to each group member. If a member of the group is not satisfied with the level of cover provided they might want to look into taking out their own individual policy.

How can I get affordable single-trip travel insurance that provides the cover I need?

Here are some key steps to take when applying for single-trip travel insurance to keep your premium cost low:

• Work out how much coverage you need. It’s no good taking the most comprehensive policy out there if half of what is covered doesn’t apply to your cover needs. Work out suitable cover levels for each loss and avoid policies with expensive extras you don’t require.
• Before deciding which policy to choose, compare several quotes and thoroughly evaluate their worth. Comparing options online can save you time and money as you can view multiple options simultaneously. Ensure you are not drawn to the cheapest quote, as it will only provide the most basic cover available. Comparing online will also allow you to read through and compare the policy benefits available quickly.
• Keep an eye out for special discounts. Travel insurers are always looking for new customers, and most will offer great deals to help you cut costs even further.

How much cover do I need?

The challenge of finding the right single-trip travel insurance policy is knowing the appropriate level of coverage for your trip. It is worth taking the time to consider how you will be spending your time away and any additional coverage that may prove valuable. Most policies will have predetermined cover levels in place for you to compare.

• Where are you heading? It is crucial you know what countries you will be covered for under the region you have chosen. In some cases, it could be worth taking out a worldwide policy to make sure you are covered across multiple destinations.
• How much medical cover do you require? As a rule of thumb, the priority for single-trip travel insurance is to be sure that if you become ill or injured during your trip, you will have adequate resources to pay for proper medical treatment and, if necessary, to be returned home.
• Cover for luggage loss and other belongings? Most policies will let you note down specific valuable items to be covered within the policy. This may include electronic equipment, cameras, valuable sporting equipment, expensive luggage and jewellery. There will generally be a maximum amount of cover that you can take out on each item.
• Need cover in case your trip is cancelled? Overseas travel often require a lot of upfront costs. However, if something crops up and you had to cancel after paying for your trip, you won’t get a lot of sympathy from your trip organiser. With trip cancellation cover, you can make claims for the cost you’ve already forked out. Most travel insurance policies will let you cover bookings made in your itineraries, such as hotels, tours and car hire.
• Do you need additional cover? Depending on your itinerary, you may require additional cover such as winter sports or valuable items.

Cover most single trip policies will include

The benefits and exclusions of single travel insurance policies can vary significantly between providers. Therefore, it is worth getting an idea of some benefits to look out for and the typical conditions that usually apply before comparing different policies. After that, you might consider additional options to tailor the policy closer to your needs. Some of the more critical standard provisions you should start with should be as follows:

Cover for medical treatment and repatriation

• Cover for medical expenses. The cost of getting medical treatment, especially if it involves a hospital stay, can be extremely expensive, with some hospitals in Asia often charging more than $800 a day. For these reasons, you must have unlimited medical cost protection. Many standard single-trip travel insurance policies will cap the amount they are willing to pay for medical treatment. It is worth checking if the country you are travelling to has a reciprocal agreement with your own country regarding the cost of medical treatment.
• Emergency medical assistance. Most policies will offer 24-hour medical aid while you are overseas. This should cover ambulance fees, medical evacuations and funeral arrangements.
• Dental cover. Cover for emergency dental treatment following astute pain.
• Additional expenses. Additional transport or accommodation expenses if you can’t travel due to illness/injury.
• Family emergency. Cover if your travelling companion or relative passes away or is disabled and requires hospitalisation.
• Accidental death/permanent disability. Will provide a lump-sum payment if you pass away or suffer permanent disablement.

Cover for lost, damaged or stolen luggage and valuables

• Cover if your luggage or valuables are lost, damaged or stolen. The inconvenience and cost of replacement can be considerable, especially if you take your laptop, camera and smartphone with you. Most standard policies will have these items covered, but you must assess if there is any cap on the cover they provide. It is crucial to check if there is an excess that you must pay first before your insurer assesses a claim and if there is a single item maximum payout.
• Credit card fraud/replacement. Cover for the replacement cost of stolen credit cards that are then used.
• Theft of cash. Cover for cash stolen from your person.

Cover for trip cancellation costs and lost deposits

• Full or partial trip cancellation cover. You don’t know what is likely to happen in the future, and if something was to occur and you were forced to cancel your trip, the cover must be in place to minimise any financial loss. Suppose you decide to cover yourself against cancellation. In that case, you should also check to see if you can cover other components of your trip that have already been booked, including flights, accommodation, car hire and tours. Cover generally only applies if the cause of the cancellation was out of your control.
• Disruption of your journey. Cover for any additional meals and accommodation after your transport carrier is delayed.
• Alternative travel expenses. Cover for additional expenses following delays to special events, i.e. weddings, funerals, and conferences.

Legal costs incurred while travelling

• Personal liability. Cover for legal liability, i.e. bodily injury or damage to another party’s property.
• Rental vehicle excess. Cover for the excess payable on the rental vehicle following theft or accident.

Frequently asked questions

• Can you take out single trip travel insurance with no excess?

  The policy excess is the additional fee charged by the insurer if the policy owner lodges a claim. The excess will vary depending on the type of policy and insurer and will be clearly stated on the website or product disclosure statement. Additionally, the excess can vary depending on what is being covered. There are several insurers that offer the option to have the excess removed by paying a small fee.

• How long does single trip travel insurance provide cover for?

  Most policies will provide cover for up to 12 months.

• Are there age limits on policies?

  Age limits will vary between insurers, with some capping the maximum age at 80. That said, insurers are willing to cover travellers beyond this age. Find out more about getting travel insurance for seniors.

• How do I know if I have a pre-existing medical condition?

  A pre-existing condition is generally defined as a defect, illness or disease that has received treatment from a certified medical practitioner within 90 days of taking out cover. It may also include any chronic or ongoing medical condition that is documented before the insurance is purchased. It’s worth reviewing your policy or speaking to your insurer to know exactly how your condition will be covered.

• Can I still take out a policy if I have a pre-existing condition?

  In most cases, you will be able to take out cover, but claims relating to the illness may be excluded. Insurers will typically request additional information from the applicant regarding their pre-existing medical condition before providing cover.

• Am I covered for work overseas?

  Cover for paid employment overseas can vary between insurers. Some insurers will cover injuries sustained at work, while others state that this liability falls with the insurer. Learn more about getting cover for working overseas.

• Can I take out single trip cover if I am already overseas?

  Yes. Several insurers offer policies if you are already travelling overseas. However, it’s important to note that most companies will apply a waiting period of between 2 and 7 days after the issue date.

• Can I extend my policy if I decide to travel for longer?

  Yes. Most insurers will let you extend your cover if you apply for an extension before the conclusion of your current policy. However, this option will not be available for all insurers, with some requiring you to purchase a new policy. If you are not positive about how your travel plans may change, it may be worth taking out cover with a provider that is flexible with extensions.

• Am I covered for stopovers?

  Most providers will offer automatic cover for stopovers that are no longer than 2 days in length. If your stopover is longer than this period, you will be required to purchase cover that also covers the region you are stopping in.

• When should I purchase my policy?

  Taking out travel insurance once you’ve paid for big-ticket items such as flights, accommodation or tours is best. If something goes wrong, you can claim back any pre-paid costs (non-refundable flights, travel agent fees, activities, accommodation etc.) if you are forced to cancel your trip for reasons outside of your control.

• Can I cancel my policy after application?

  Most providers will offer a cooling-off period during which you can cancel your policy. This period is usually between 15 and 30 days and can only be exercised if you have not commenced your trip.

• What do I need to make a claim?

  This may vary between providers and is dependent on the loss but can include:

  • • • Copy of your insurance claim number
      • Medical report from a certified practitioner in the event you receive medical treatment
      • Invoice
      • Receipt to show proof of purchase of item
      • Police report from local authorities was loss occurred

Compare policies from Singapore travel insurance providers and apply securely online

If you are looking for a one-off policy to cover for your single trip away, start by comparing the plans in our table above. No two plans are identical, so it is crucial to take the necessary steps to ensure that you find the right insurance solution for your needs. It is essential to be clear on what benefits are provided and any conditions that may be applied to your claim.

Compare single trip travel insurance policies today

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