Single trip travel insurance

Whether it's a weekend in Rome, a fortnight with the family in Florida or a once-in-a-lifetime trip to the Bahamas, nothing should stop you enjoying your break. After all, you've worked hard for it and deserve to get away.

Having the right single trip insurance in place will banish the dreaded 'what if' feeling that can spoil even the most magical of holidays.

Knowing you're covered should you suffer an accident or if something goes wrong can give you the peace of mind you need.

So sit back and relax, safe in the knowledge you're prepared for your break, with an insurance policy you can tailor to suit your needs. But is single trip travel insurance right for you? Find out here!

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What is single trip travel insurance?

Single trip travel insurance policies provide cover for one holiday or trip abroad. A popular type of travel insurance for holiday-makers, the majority of all travel policies sold are for single trips. Most policies cover a variety of eventualities, including illness and injury, cancelling or coming home early.

Is single trip travel insurance right for me?

If you're planning a one-off holiday or business trip, a single trip travel insurance policy is likely to be your best option as they are typically cheaper than annual insurance policies. Single trip insurance policies are purchased based on where you're going and what you plan on doing, providing you with cover that meets your needs.

Even if you're travelling a couple of times per year, taking out a single trip travel insurance policy for each holiday you're planning may still work out to be a cheaper option than annual travel insurance (also called multi-trip travel insurance) which provides cover for multiple trips in a 12 month period.

However, if you plan to go abroad several times in a year, it's worth looking into multi-trip travel insurance. Just check that all the countries you plan to visit are covered by the policy – and that you're still insured if one of your trips is doing something adventurous like skiing, for example.

What is covered by single trip travel insurance with M&S Bank?

We all want to do different things on holiday and, on top of this, we all have different budgets. That's why M&S Bank offers flexible insurance policies that can be tailored to the needs of your trip – and your wallet.

The main benefits of our policy include:

Medical cover

M&S Bank single trip travel insurance can cover the cost of care incurred by unforeseen injuries and illnesses for up to £10 million. You're also covered for a variety of sports and activities, from snorkelling to elephant riding. What's more, if you need to stay in hospital while on holiday, M&S Bank pays you up to £20 a day to help keep you comfortable. That's a lot of grapes.

Travel disruption cover

If you miss your flight or your transport is delayed due to bad weather, strikes or even volcanic ash, travel disruption cover helps get you to your destination. We’ll also provide cover if your accommodation is made uninhabitable and you need to move to a different hotel.

Legal expenses and personal liability

If you're unlucky enough to suffer an illness or injury while travelling, as a result of someone else's actions, M&S Bank will cover legal costs up to £25,000. On the flip side, we can provide personal liability cover of up to £2,000,000 to cover costs should you accidentally injure someone or damage their property.

Other optional extras

With a single trip policy from M&S Bank, optional extras are available to help tailor your policy to meet your needs. From cover for your belongings to winter sports cover. 

Looking for a quote?

Getting a single trip travel insurance quote is quick and easy; we only need a few details, and you can apply straightaway.

Get a quote for M&S Travel Insurance

M&S Travel Insurance is underwritten by Aviva Insurance Limited. No age limit for single trip travel insurance.

FAQs

How do I make a claim?

If you need to make a claim and your policy number begins 820, please call us on 0330 024 6848 as soon as possible. Lines are open 8am–6pm Monday to Friday and 9am–5pm Saturday.

If your policy number begins MTV, please call us on 0800 051 4780 to make a claim. If you are overseas and need to make a claim, please call +44 1603 603 783. Lines are open 24 hours a day, 7 days a week.

Please have your policy number to hand when you call.

What's a policy excess?

This is the amount of money you have to pay if you make a claim.

M&S Travel Insurance has an excess of £100 per person per claim and you can choose to reduce the excess to £50 which will increase your premium.

Are there any charges to change or cancel my policy?

To make sure that you have the right cover in place, please let us know of any changes during the annual policy term. We do not make any charges for mid term changes.

If you cancel your policy within 14 days of receiving your policy documentation we will refund all premiums paid provided you have not travelled or made a claim, and there has been no incident which may result in a claim being raised.

If you wish to cancel the policy after the 14 days then there will be no cancellation charge and no refund of premium will be made.

Will I have to declare any medical conditions?

You need to tell us if you, or anyone else on your policy, have had any illness, injury or disease within the last 12 months where they have:

  • Been prescribed medication and/or
  • Received or are awaiting, medical treatment, tests or investigations and/or
  • Been referred to, or had a follow up with, a specialist and/or
  • Been admitted to hospital or had surgery