5 Kinds of People Who Really Need Single Trip Insurance

Single trip insurance packages offer a convenient, low-cost means of protecting you as you travel for business or leisure. Yet what is it about these one-off policies that make them so popular, and who are the types of people that will benefit the most from what they have to offer?

The Spur-of-the-moment Traveller

Single trip insurance is a must-have for anyone that finds themselves unexpectedly going on a trip. Holidaymakers availing of a special deal, entrepreneurs chasing an opportunity, someone visiting an ill relative – these and other examples are how people might find themselves travelling even if they haven’t necessarily planned to. Purchasing a single trip insurance policy is a very sensible idea, considering their low-cost, one-time nature.

The One-Destination Holidaymaker

Those who prefer to immerse themselves in one locale for their holiday will find it quite practical to stick to a one-off policy. Some people would rather spend their time enjoying the delights of a single destination rather than trying to take in as many countries as possible in a few weeks, and these policies work particularly well when going on a single trip to a single destination.

The Long Stayer

Those planning to stay for extended periods abroad will definitely find a lot of advantages in a version of one of these policies – for example those who plan to work or study abroad for extended periods of time. Some single trip insurance policies can be trimmed down to cover just the basics of travelling, most notably coverage for cancellation and personal belongings – so you know you're still covered, but without paying for expensive extras you won't use.

The Danger Seeker

Adrenaline lovers will enjoy the flexibility of these one-off policies - provided they expand the coverage to include their sports of choice. No provider will automatically cover you if you intentionally put yourself at risk. Going into warzones, quarantined states or simply choosing to partake in a dangerous sport means you'll need to expand your policy to explicitly cover you for any risky activities. You’ll need to spend a bit more time and effort tailoring your package to fit your needs, but one-off packages work best in these situations.

The Big Group

Travelling as a group with friends, family and co-workers? One-off policies designed for groups are what you’re looking for. Whether you’re getting together with your relatives for a grand reunion or planning out a team-building-slash-company-outing in some exotic locale, you need to protect your entire group. And of you sign up as a group, most insurers will be more willing to grant discounts and generous coverage.

No matter when and where you travel, getting a comprehensive policy is an absolute essential – don’t scrimp on the details and make sure you're getting exactly the cover you need. Patrick Chong is the Managing Director of InsureMore. We provide low cost travel insurance and offer a range of policies including single trip insurance, annual, multi-trip and family cover. For all your travel cover needs, InsureMore can help you in the quickest and most cost-efficient way.

Writer and Online Marketing Manager in London.