Single trip travel insurance

You’re planning your next holiday, the trip dates are marked on your calendar, and it’s time to start drafting your packing list. Amidst crafting itineraries and finalising details, considering adequate travel insurance for your journey—and whether single trip travel insurance is an appropriate choice—might not be the most exciting part of the process. However, we’re here to help you navigate this essential step and determine if single trip insurance is right for you.

What is Single Trip Travel Insurance?

Single trip insurance is designed to cover travellers for one specific journey, from the start date of the trip until they return home. This type of insurance suits individuals who plan to take a one-time trip and have specific dates in mind, whether you plan to rendezvous in France, or embrace the hustle and bustle of Tokyo.  Always read the PDS to determine the extent of cover provided.

Single Trip vs Multi-Trip Travel Insurance

When planning your trip, navigating travel insurance policy options can be overwhelming, especially when choosing between a single trip or Annual Multi-Trip policy. For those travelling frequently, an annual multi-trip policy might be a more practical option than single trip insurance. An annual multi-trip policy covers multiple trips throughout the year, up to a chosen duration (Australia Posts offers 15 or 30 days for domestic or 30, 45 or 60 days for international). You can select a journey duration that suits your travel frequency and remain covered for unlimited journeys up to the maximum duration chosen. Check the PDS for more information.

Benefits of Annual Multi-Trip Travel Insurance

While single trip insurance is a viable option for one-off voyages, if you plan to travel more frequently throughout the year, an Annual Multi-Trip policy could be more economical. This type of policy offers cost savings for frequent travellers who embark on multiple trips per year and provides the convenience of not having to purchase a new policy for each trip. Additionally, choosing an Annual Multi-Trip option offers flexibility by covering an unlimited number of trips within the year, up to the chosen duration.

Should I Get Single Trip Travel Insurance?

If you’re an infrequent traveller with only one journey planned for the foreseeable future, single trip travel insurance could be a more cost-effective option than multi-trip policies. This type of insurance allows cover to be specifically tailored to the duration and nature of your trip, potentially making it a more convenient and affordable choice for your travel needs. Australia Post offers a maximum trip duration of 12-months for single trip policies.

Does single trip travel insurance cover multiple countries?

Single trip travel insurance can cover multiple countries. If you want cover for multiple countries, simply select the region you are travelling to or worldwide if you haven’t locked in all your plans yet . Cover should extend from the start date of your journey until you return home, regardless of the number of countries visited during that period. It's important to check the specific terms and conditions of your policy to ensure all intended destinations are included and to understand any limitations or exclusions that may apply.

How to Choose the Right Policy

When selecting a single trip policy, it’s important to consider the specific needs of your journey. Smartraveller recommends you evaluate factors such as the duration of your travel, the destinations you will be visiting, and the activities you plan to engage in. If you’re participating in high-risk activities like skiing or scuba diving, make sure your policy covers these.

What does Australia Post single trip travel insurance include?

Our overseas single trip travel insurance includes cover for the following. Check the PDS for more information.

• Overseas medical expenses (including if diagnosed with COVID-19 overseas)
• Overseas hospital, medical, surgical, nursing, ambulance and emergency dental expenses
• Additional expenses (including if hospitalised with COVID-19)
• Additional accommodation and transportation expenses: Covered for events such as sickness, natural disasters, loss of travel documents and strikes.
• Additional expenses (if unfit to travel due to being diagnosed with COVID-19, sub-limits apply)

For travellers planning a one-time trip, single trip travel insurance might suit your travel needs at an affordable price, so you can focus on taking in the sights.