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A single trip travel insurance plan are for those who those does not travel often in a year. For example, if you only travel once a year, the single trip insurance plan is more suited for you. This is because you will just have to pay travel insurance for this specific trip and you will get to save more money.
The most common coverage for single trip travel insurance are:
Personal accident benefits such as accidental death or permanent disablement
Medical benefits such as medical expenses reimbursement, medical evacuation, child care benefit, compassionate visit and etc.
Travel inconvenience benefits such as trip cancellation, loss of baggage & personal effects, baggage delay, travel delay, and atc.
Personal liability
Home care benefits
Travel assistance services
However, some policies may provide lesser coverage than others while some policies may provide more coverage than others. Before applying for a single trip travel insurance, make sure to choose a plan which covers what you want.
Every single trip travel insurance policy has different premium amount. It depends on certain criterias such as:
Which country do you want to be covered in
How much coverage do you want
Do you want coverage only for yourself, you and your spouse, or with your family
How long is your trip
As long as the places you are travelling to in the same trip is part of the covered region then your single trip travel insurance policy will cover you. If it is not part of the covered region, you will have to buy a different single trip travel insurance policy. For example, if you previously purchased the Asia Pacific single trip travel insurance policy, but you are travel to US and Canada, then you will not be covered as US and Canada is not part of the covered region. You will need to purchase a separate policy such as the Worldwide policy which includes US and Canada.
A single trip travel insurance policy will begin your coverage once you have left your home for the purpose of commencing your trip until the day you return home from your trip or on the expiry date, whichever is sooner. However, your trip cannot exceed 182 consecutive days, otherwise this policy will not cover you.
You can cancel your insurance policy by giving a written notice to your respective insurance company. However, for a single trip travel insurance policy, you will not be able to receive any refund of the premium once the cancellation has been made.