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Multi-Trip Travel Insurance: One Policy That Covers Every Trip for a Year

Travel's messier than ever, so how'd you like travel insurance you only have to buy annually? Here's what multi-trip insurance is, how it works, and how to tell if it's the economical choice for you.

By Jason Cochran

February 22, 2023

For years you've heard it drilled into your consumer brain: Always buy travel insurance for major trips.  But ever since Covid-19 travel restrictions receded, even minor trips may involve big problems. 

Airlines and airports are halting operations without warning , political skirmishes are changing the landscape of no-go destinations , and, oh yeah, you could still get sick with Covid when you're scheduled to travel.

Given how unreliable travel has become and how easy it is to get stranded between point A and point B, our new travel insurance advice could very well be simplified to three words: Always have it . 

There's actually a type of travel insurance that you only have to buy once a year. Multi-trip insurance will cover you, no matter where you go, for the length of the policy's validity period, which is usually a year.

Buy this type of insurance once, and you'll be covered for all your trips for a full 12 months. 

Will I save money using multi-trip insurance?

That's something you have to calculate based on who you are and what your travel habits are.

"The cost of single-trip products are often based on two factors: the age of the traveler and the cost of the trip," said Daniel Durazo of Allianz Travel Insurance , one of the largest players in the business. "So as those factors go up or down, so does the cost of travel insurance."

According to Durazo, single-trip policies often cost between 5% and 10% of the total cost of a trip.

On the other hand, annual multi-trip policies are usually offered at a flat rate, "meaning your cost may not increase with age and trip cost," Durazo said.

Once you possess multi-trip coverage, you don't have to report each trip you take to your insurer, like you do with single-trip policies. You're simply covered for the year, no matter where you go.

All of the insurance industry experts we spoke to estimated that you'd need to take at least three to five trips in a year for the expense of a multi-trip policy to be worth it. 

Can I travel all year with a multi-trip policy?

You can take multiple trips, but you can't remain on the road for months at a time. With an annual policy, coverage for each trip will expire after a maximum number of permitted days.

Lynn Pina of Pennsylvania-based GeoBlue , which sells annual travel insurance products, says that "most policies [only] cover trips up to 30 days [apiece]." (However, one of the company's premium products, GeoBlue Trekker, will cover trips lasting up to 70 days.)

After time's up on a trip, travelers on an annual plan will have to return home and then leave again for the clock to reset for the next trip. If you can't get home in between journeys, many insurers will also sell you add-on plans to cover the extra days.

Consequently, multi-trip insurance is better for leisure or business travelers and not designed for expats or long-term backpackers. 

How can I compare prices and coverage of single-trip policies vs. multi-trip policies?

You don't have to track down a bunch of insurers to compare prices. That can be done quickly.

There are several one-stop online insurance marketplaces where you can plug in your details to see what numerous companies will offer.  InsureMyTrip ,  Squaremouth , and QuoteWright  have all been in business for many years. Check those and you'll be able to survey the major players and compile a thorough list of options. 

Those websites can also handle quotes for multi-trip insurance, so you won't have far to go to compare prices and inclusions.

Will multi-trip insurance cover cancellation?

Not automatically. You have to make sure you buy a policy that has trip cancellation coverage. For example, Allianz's most affordable option, AllTrips Basic , will not cover cancellation, but the company's upgraded policies, like AllTrips Premier , do cover cancellation. 

If you want the ability to decide unilaterally that you don't want to take a trip you bought, you must ensure that  Cancel for Any Reason (called CFAR) coverage is part of your policy. Not all insurance offerings automatically include a CFAR clause. 

Some upper-tier multi-trip plans will also cover everyone in your household, even if you travel separately. Maybe you can split costs with family members.

Will multi-trip insurance cover lost luggage?

Multi-trip policies tend to cover baggage loss, but only for a small amount and only for checked baggage.

That might not be a deal-breaker, though, because many credit cards automatically include such protection if you pay for travel with them. You might already have free baggage coverage.

Will multi-trip insurance cover rental car insurance?

That's another thing your credit card may already cover, but many multi-trip policies still throw it in. All of Allianz's annual plans do, and the coverage is good for $45,000 in rental car collision damage.

Will multi-trip insurance cover medical expenses?

Not all annual policies do. Some require Americans to have primary medical insurance back home and will only deal with medical situations that are classified as emergencies.

"The benefits of these plans vary but most typically cover medical expenses, trip interruption, and medical evacuation costs," said Pina of GeoBlue. "Some may even cover preexisting conditions for medical services and medical evacuation."

You just need to seek out the specific medical coverage for your needs.

"If your prepaid costs for an international trip are for items that can be rescheduled [for free], like airline tickets, consider a travel medical plan that provides coverage for medical expenses that will not be covered by your domestic health insurance," said Pina.

Even if your policy offers limited medical inclusions, make sure it at least includes Covid-19 coverage and access to a doctor around the clock via a telehealth service. 

How much should I travel in a year to make a multi-trip policy worth the money?

You may also like:  Frommer's 8 Great Travel Insurance Providers You may also like:  How to Tell If You Need Travel Insurance, Based on the Type of Vacation

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11 Ways to Make Every Trip You Take More Meaningful

Lori Zaino

We're partnering with Capital One to launch our new Purposeful Travel Hub . If you have unique ways you like to pay it forward when you travel or just love exploring new places with family and friends, we want to hear about it. Share your most treasured travel moments and purposeful travel tips with us using #MeaningfulMoments .

Looking to bring back something from your travels besides a tan and a few kitschy souvenirs? It's possible to create meaningful, unforgettable moments while traveling, even if you can't dedicate an entire trip to volunteering in Ghana or meditating at an ashram in India. There are easy ways to add purpose to an already-planned trip, even if that trip is primarily about relaxing on vacation.

1. Read About Your Destination

Literature is a wonderful way to learn about a particular place before your visit. Whether it be fiction, memoir or even a guidebook, understanding the history, culture and traditions of your destination can really enhance your trip — and help you forge a deeper connection with a land and its people prior to arrival.

(Photo by Hitoshi Suzuki via Unsplash)

(Photo by Hitoshi Suzuki via Unsplash)

Before a trip to see the famed temples at Angkor Wat in Siem Reap, Cambodia, I dug into a copy of "Tomb Raider." But I also read a biography by Loung Ung, who described her experience as a child soldier during the Khmer Rouge years. Understanding the regime and how these tragedies affected the country and its citizens gave me an entirely new outlook on the culture and its resilience, enriching my trip even further.

2. Meet the Locals

Talking to locals can help you develop a far more nuanced understanding of a destination. Even if you trip is to an all-inclusive resort, it's important to take time to talk to people at the local markets, to ask your tour guide questions about local customs and chat with resort staff, many of whom live in the city or region you're visiting.

Several years ago, I was invited to dine with a local family in Mandalay, Myanmar after chatting to a local who rented me a bicycle. Tourism was relatively new at the time, and locals were excited to interact with visitors. Sitting on pillows on the floor of their hut by the river; eating oily curry and rice with my fingers; chatting in broken English; watching their children laugh and play was an intimate experience I'll never forget.

You don't have to end up in a family home to meet locals, of course. Simply initiating conversation with your taxi driver can be a fun way to find out colorful information about the destination you're visiting.

(Photo Christian Holzinger via Unsplash)

3. Learn the Language

Obviously, this can be difficult, especially if you're traveling to a country with a complicated or less common language. But it's very special to see people's eyes light up — and smiles widen — when you attempt to say even a word or two in their language.

When traveling in Laos, I learned how to say a couple words in Lao: thank you, good morning and goodbye. While I felt a little silly saying them at first (I'm sure my pronunciation was horrendous), the locals were thrilled I had taken the time to try and, as a result, treated me with even more kindness, telling me stories and personal anecdotes, even introducing me to their family members or sharing their snacks with me, which gave me immense insight to the Lao way of life and made me forge a more personal connection with Laos.

Download a language app such as Duolingo so you can brush up on your vocabulary and practice pronunciation.

4. Stay, Eat and Shop Local

Using points at brand hotels around the world is a great way to save money and redeem rewards on travel. But consider spending cash on a stay at a boutique hotel, B&B or homestay for at least one night instead. Doing so supports the local economy even more, and can also give you a better look at how locals live and work, too.

5. Lend a Hand

You don't have to plan a whole voluntourism trip to give back during your travels. With organizations such as Pack For a Purpose , you can identify items that are needed in local communities (think: school or medical supplies), bring them in your suitcase and drop them off at various hotels or schools at your chosen destination.

Meanwhile, Give A Day Global helps connect travelers with one-day volunteer opportunities all over the world. And some hotels offer volunteer opportunities where you can help out with conservation programs, animal protection or work at local schools for an afternoon. Remember, it's not about quantity, it's about quality. And a little help can go a long way.

6. Go Beyond Tourist Centers — Responsibly

There may be plenty to see in the city center, but make an effort to go off-the-beaten path, to communities that haven't yet been commercialized or influenced by tourism.

If you decide to do a tour, opt for one that explores less-frequented areas. For example, Comuna 13 Grafitti Tours in Medellín, Colombia take travelers through an area of the city, the 13th District, that many tourists don't get to see. Tourists are encouraged to interact with the residents while respecting the local community. You may even get to meet some of the artists who've contributed to the vibrant street art scene.

(Photo by Fancycrave via Unsplash)

(Photo by Fancycrave via Unsplash)

7. Ride Public Transport

Riding the bus or metro with locals is a great way to embrace the vibes of your destination — and get from A to B quickly, too

During a recent trip to Sri Lanka, I took the bus from Sigiriya to see the ancient ruins of Polonnaruwa. Not only did I save almost $30 by taking the bus (which cost just a couple dollars roundtrip) instead of a private car or tuk tuk, but I was thrown straight into Sri Lankan society. The colorful lights flashing over the Buddhist statues on the bus and the Hindi music blaring added to the fun, and I even saw a few wild elephants out of the window during the hour-long adventure.

(Photo by Humphrey Muleba via Unsplash)

8. Travel More Slowly

While it may be tempting to squeeze a couple countries or cities into your weeklong adventure, consider traveling more slowly to really get a feel for the destination. To truly experience a city — its people, its culture — take your time, and don't rush.

Every day, make an effort to think about where you are, why you're there and how lucky you are to be able to travel. This will give you a whole new outlook on the journey. Plus, you'll actually feel rested and relaxed after your trip.

Carla Sánchez , co-founder of Secret Yoga Club and The Holistic Concept who guides yoga and meditation retreats and workshops around the world, told TPG that, "Time is valuable and we are always in a rush in our daily life. Slowing down your travel allows you to enjoy and find meaning in every single detail and experience — a true luxury!"

9. Take a Solo Trip

Traveling alone for the first time can be intimidating. You may not want to experience a place alone, or feel guilty for not bringing your partner or family along. But taking a solo trip can be incredibly rewarding, granting you time — and solitude — to reflect on yourself, on the place you're visiting and on why you love to travel in the first place. Even a few days on your own can bring real perspective to your trip — and you may very well find that you make lifelong friends along the way.

10. Get Out Into Nature

Even if you're visiting a busy metropolis, getting outside of the city into nature — even just for a day trip — can be really special. If you can't get out of the city, try instead to build in time for a picnic in a city park or botanical garden. Seeing nature's wonders, be they modest groves of trees or grand waterfalls, can remind you that beauty is everywhere.

(Photo by Fancycrave via Unsplash)

11. Put Down Your Phone

The last, but possibly most important way to add meaning to every trip you take, is to put down your phone, live in the moment and truly experience your destination. While it can be tempting to photograph everything or document your time on social media, it can be a distraction.

Test yourself by shutting off your phone or leaving it in the hotel safe, even for just an hour or two, to get the most out of your travels. If you're worried you'll forget an epic experience without a chance to photograph it, take a camera along or, better yet, a pen and notepad, so you can document your adventures by hand. It may be just the therapeutic escape you need.

How does single trip travel insurance work?

Who needs single trip travel insurance.

  • Choosing travel insurance

Purchasing single trip travel insurance

Single trip travel insurance frequently asked questions, what is single trip travel insurance.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

  • Single trip travel insurance covers unexpected costs incurred during a trip.
  • Compared to annual travel insurance, single trip insurance is more flexible and comprehensive. 
  • Premiums are based on trip costs, usually between 4% to 8%, but CFAR coverage may increase costs.

No matter the asset, protecting your investments via insurance is a proven means of providing coverage against financial loss. On par with homeowners, automobile, and life insurance, travel insurance is a proactive means of preparing for the uncertainties of travel, from flight delays and cancellations to lost luggage and medical emergencies.

The best travel insurance plan meets your specific needs. Single trip insurance protects one specific trip, offering the flexibility to tailor your insurance to your travel plans. If you're taking one large trip, perhaps your dream vacation, single trip insurance can protect your investment and provide peace of mind before, during, and after takeoff.

Single trip travel insurance covers unexpected additional expenses while on a trip. Often used interchangeably with traditional travel insurance, single trip travel insurance is the most popular type of insurance policy purchased by travelers in the US. Among its many benefits, this basic travel coverage is flexible, cost-effective, and comprehensive. 

Compared with annual travel insurance coverage (which covers multiple excursions to and from home within a specified period and comes with a cap), traditional policies cover a range of unforeseen events and emergencies leading up to (and for the duration of) your trip. Single trip travel insurance cost is typically a percentage of your trip costs, anywhere from 4% to 8% of your trip's total cost

Coverage options in single trip policies

Travel insurance covers unexpected financial losses while traveling. This can include inconveniences that happen throughout a trip, like lost baggage, missed connections, and travel delays. For example, travel insurance can cover meals purchased at the airport after your flight has been delayed for a certain amount of time.

However, travel insurance is especially helpful when more serious incidents occur. For example, travel insurance will cover non-refundable deposits in the case of an unexpected trip cancellation, as long as your trip was canceled for a covered reason.

Additionally, medical emergency insurance is particularly helpful when traveling abroad, where US-based health insurance usually can't help you. Depending on your policy, travel insurance can cover hospital room and board, prescription medicine, and even surgeries. It may also pay for medical evacuations and repatriations.

Additional coverage options

Most insurance providers will provide additional coverage options if you're looking for something more specific. For example, if you're traveling to a destination for extreme sports like skydiving, you can add adventure sports coverage to your policy.

You can also add Cancel For Any Reason to your policy, if you think you may cancel your trip for an uncovered reason, like fear of flying. However, you will need to be mindful of when you purchase travel insurance, CFAR is only available if you purchase travel insurance within two to three weeks of placing a deposit on your trip. You can find our guide on the best CFAR travel insurance here.

Traditional travel plans are typically designed for the leisure traveler. In other words, vacationers who want to protect against unexpected, sometimes catastrophic financial losses related to an upcoming vacation pay a small fee relative to trip costs.

"The typical travel insurance buyer is someone who can't afford to lose non-refundable trip deposits such as for a cruise or vacation rental if forced to cancel [a vacation] for a covered reason," says Carol Mueller, vice president of Berkshire Hathaway Travel Protection . "It is also for the vacationer concerned about medical emergencies or medical evacuations [while away from home] that could cost thousands of dollars and [are] not covered by a health insurance plan."

However, if you have multiple trips coming up within a 365-day, annual travel insurance may be worth a look. While a single trip policy will end when you return home, annual travel insurance will cover any trips you take over a year.  

Choosing the right single trip policy

Since it can be overwhelming to sift through the myriad options available, Jones offers some tips to help travelers make the right decision when choosing travel insurance coverage:

Think about your needs: Consider the kind of trip you are taking and the activities you're planning. If you're traveling for a sports trip, you may want extra protection for your sports equipment. But it's often simpler. For example, you'll need travel medical insurance for emergencies as your standard health insurance probably won't cover you abroad.

Compare policies: Compare policies from multiple providers to find one meeting your needs and budget. Look for policies with comprehensive coverage for unforeseen events such as medical emergencies and trip cancellations. You can see which is more affordable when you have similar plans side-by-side. Just don't forget to account for any differences to get the most competitive pricing.

Read the fine print: Make sure you understand any exclusions or limitations before purchasing a policy. Some coverages, like cancel for any reason travel insurance, may have a time limit, but the coverage should be straightforward. Other cancellation coverage will most likely have important exclusions you should know.

Consider preexisting conditions: If any travelers in your party have preexisting medical conditions, ensure the policy you plan to purchase covers them. You may have to pay extra, but it will cost you a lot less than trying to find essential medications while you're on the road, especially if you're traveling internationally.

Look for customer reviews: Check customer reviews to see how other travelers have fared with the policy and provider. You can use sites like Trustpilot, ConsumerAffairs, and the BBB.

Purchase early: It's important to secure coverage at the same time you book your trip, as some coverage may only be available within a specific timeframe. Like your plane tickets and other travel arrangements, you may qualify for lower rates or discounts if you buy early.

Finally, planning to swipe a family vacation off your bucket list? Investing in travel insurance is the smart and savvy way to ensure you eventually reach your destination (financially) unscathed, despite any minor derailments.

"You can't predict what can go wrong before you leave for, or even [what transpires] during your vacation. That's why it makes sense to consider purchasing a comprehensive, traditional plans protect you against financial losses you never thought would happen," says Mueller.

While you can insure any trip, single trip travel insurance is best for long, expensive, or international trips. It's best to buy insurance shortly after booking your trip, ideally within two weeks of placing the deposit on your trip. 

Hundreds of plans offer similar coverages and benefit limits. Working with a certified insurance professional is the easiest way to cut through the hundreds of similar plans, find a quite, and purchase the plan best suited to your trip based on travel mode, trip cost, family presence, and more. 

After all, even the best-laid plans (and most detail-oriented itineraries) are subject to change due to unforeseen circumstances. While myriad travel-related details lie within your control, like when you go and where you stay, a few unpredictable variables will always remain. Proper insurance coverage might be the solution to anticipating all of them and ensuring a smooth journey one step at a time.

While single trip insurance is often more valuable for trips that are longer and international, insurance for domestic trips can be beneficial if they involve non-refundable expenses.

Yes, single trip policies can include multiple destinations within one trip, as long as all destinations are included in the policy.

You should purchase single trip insurance soon after booking your trip to qualify for benefits like CFAR policies and pre-existing condition waivers . Additionally, if your trip gets canceled before you can purchase travel insurance, you may not get your money back.

Most single trip insurance policies cover cancellations due to illness without the need for CFAR insurance, but it's important to check the specific terms of your policy.

While policy extensions are possible, rules depend on your insurer. Additionally, there may be a limit on how long you can extend your policy. 

every single trip meaning

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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every single trip meaning

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What is single trip travel insurance?

Article contents

In a nutshell

You might already have travel insurance, why get single trip travel insurance, what does single trip travel insurance cover, travel insurance excess, single trip travel vs annual multi-trip insurance, how to get travel insurance, how to claim, let’s recap.

Single trip travel insurance is financial protection (cover) for just one single trip (e.g. a holiday). You’ll be able to customise the cover to suit your trip, for instance a basic level for a beach holiday, or a bit of extra cover for a ski trip.

Find the best insurance deal in no time.

Getting away soon? Perhaps to a nice sunny beach or a city break? You’ll definitely want to sort travel insurance – and probably single trip travel insurance (it’s the most common type of travel insurance). If you haven’t guessed yet, it’s simply travel insurance for one trip (e.g. a holiday).

What is single trip travel insurance?

The main alternative is annual multi-trip travel insurance , which is where you can be covered for all of your trips across the year. It’s great if you have lots of trips planned, but there's more limitations (such as how long you’re away), so it all depends on which trips you’re going on (and things like your personal items), as to whether it will be cheaper or not.

Here’s a rundown of everything you need to know about single trip travel insurance.

A quick heads up, you might already have travel insurance in place with your bank account – some offer travel insurance if you pay a monthly fee (normally over £10 per month). 

If you are paying a fee, have a quick check, it should cover your family too (if you have one), so you might not need to get extra insurance for every trip away. Although it’s always worth checking what’s covered for each trip you take, as you might need extra insurance for certain holidays – and that’s where single trip insurance can come in.

Do I need travel insurance for a single trip?

When you think travel insurance, you’re probably thinking single trip travel insurance – it’s the most common and often simply goes by the general term ‘travel insurance’.

It’s perfect for pretty much every holiday or trip that you take as you’re able to determine what you want covered (e.g. medical treatment), and what you don’t want covered (e.g. skiing protection). Meaning it’s completely personalised insurance, just for you and your trip. 

And that means the best value insurance too – you won’t be paying for anything you don’t need, you’ll be paying for just the right amount of cover for you and your trip.

Get a travel insurance quote

Find the best deal for you in no time with Confused.com.

Not quite sure what is actually covered with travel insurance? Here’s a run through of what we recommend as essential, and additional cover (if not included in the essential cover).

Essential cover

Here’s what every single trip travel insurance policy should cover:

  • Medical bills
  • Getting you home
  • Holiday cancellation (out of your control)
  • Missed departures and delays (out of your control)
  • Lost or stolen luggage and personal belongings
  • Damage to property or injury to someone else (personal liability cover)

Recommended additional cover

Here’s what we recommend to include:

  • Emergency dental care
  • Cash and cash equivalents (e.g. pre-paid tickets)
  • Lost passport
  • Terrorism (we’re being serious)

Specialist cover

And if you’re jetting off for some adventure, it’s best to get the right specialist cover:

  • Winter sports cover
  • Extreme sports cover
  • Adventure sports cover
  • And more cover, specific to your holiday

If you’d like more information on each, take a look at our guides to what travel insurance covers and what travel insurance does NOT cover . We’ll run through the main points below.

Medical cover

Unfortunately only the UK has free medical care for us Brits (thanks NHS!), so if you have an accident and get injured or fall ill abroad, you’ll be looking at some hefty fees – medical care is very expensive. It’s around £15,000 for a broken leg when abroad, and up to £100,000, if not more, for long hospital stays.

Single trip medical cover

And emergency medical expenses such as an air ambulance at a ski resort isn’t worth thinking about. Getting travel insurance to cover your medical bills is essential – it’s simply not worth the risk.

Most travel insurance policies will normally get you home too if your plans need to change (called repatriation), and sometimes the insurance will even pay to fly a friend or family member over, and fly back with you.

Note: the European Health Insurance Card (EHIC), and the Global Health Insurance Card (GHIC), which replaces the European card following Brexit, is great, and you’ll get free or reduced medical treatment costs in most European countries – but it’s not a replacement for travel insurance.

Oh and one more thing, if you’ve got any pre-existing medical conditions, and don’t share them with the insurance provider beforehand, they typically won’t cover any medical expenses related to them. It’s best to be upfront and honest when taking out the policy.

Pre-existing medical condition

Cancellation cover

If you can’t go on your trip for any reason outside of your control, you’ll normally be compensated for the cost of your holiday, or up to a certain limit that you decide when you take out the policy (e.g. up to £4,000).

Single trip cancellation cover

Common reasons for cancellation include:

  • An injury or illness, either yourself or a close family member
  • The loss of a close family member
  • Attending court either as a witness or part of jury service
  • Losing your job (redundancy)

If your flight is delayed or cancelled, the airline should normally rearrange this for you, or provide a refund. If it’s over 24 hours, or affects more of your trip, your travel insurance company can get involved and potentially provide compensation (your money back).

Lost luggage and personal items cover

If your luggage goes missing (which surprisingly, can happen a lot at airports), or any of your personal items while on holiday, or if they’re stolen, you can be compensated by your travel insurance company (if they’re not returned to you).

You’ll have a set limit for all of your items together, which you decide when you take out the policy (we recommend at least £5,000), and also a limit per item. So, if you’re travelling with expensive items, such as film cameras, it can often be a good idea to take out extra separate gadget insurance to cover those items specifically.

Note: you’ll only be covered if your items are safely looked after. If they’re left unattended, or not stored safely, you likely won’t be covered.

Passport cover

Your passport can also be covered too (if you lose it or it's stolen). And the travel insurance company will compensate you to replace it.

Single trip passport cover

Personal liability cover

This is super important. Personal liability cover is insurance for you if you get into an accident involving someone else or their property (e.g. your hotel room). This covers all the legal expenses if they try to claim compensation from you – and the legal fees can be eye watering (sometimes into the millions).

With some policies they can also give you legal advice to claim compensation if you’ve been in an accident due to someone else's fault.

Sports cover

If you’re getting away for some sports (such as golf or skiing), or travelling with expensive sports equipment, you can be covered with this insurance, although usually as an extra addition, or specialist cover just for this.

The extra costs if something goes wrong, such as emergency medical treatment or replacing expensive equipment, means insurance companies want a bit more extra cash to cover you before you go.

Family cover

If you’re travelling with your family (a partner and kids), you can normally get insurance to cover all of you, in one single policy. Which makes things a bit easier!

The level of cover is normally the same as if you were just buying the insurance for yourself too, but of course, you’ll pay a bit extra to cover everyone – it normally works out cheaper than buying insurance for everyone individually.

With all types of insurance, you’ll normally have to pay money out yourself if you want to make a claim (which is asking the insurance company to pay out and give you money), and this is called an excess. It’s intended to stop fraud, and people claiming small amounts of money.

Single trip travel insurance excess

With travel insurance, expect an excess of around £150-200, but you can adjust this up or down if you want to, which will change how much your insurance premium is (the cost of your insurance). A lower excess will mean a more expensive premium, and vice versa.

Excess amount

If you’re going on multiple trips away this year, you’ve got two options, either single trip cover for every holiday, or multi-trip cover that lasts for the whole year (12 months).

You might be able to save money if you take out multi-trip cover, but only if the level of cover you need is pretty similar for every trip, otherwise, it’s often best to get single trip cover for each trip.

Annual multi-trip insurance

Imagine you have a holiday to Spain for 2 weeks on the beach, and then another holiday skiing in Canada – they’re pretty different, and with the ski trip, you’ll need a very high level of cover that covers you worldwide (Canada), and for skiing (winter sports).

If you were to arrange a high level of cover for the whole year, it’s going to work out pretty expensive, especially if you only need it for one trip – meaning you’ll likely be paying over the odds for your cover to Spain where you’re simply chilling on a sunny beach.

So, often, single trip cover can work out cheaper per trip if you need specialist cover for things like skiing, and worldwide travel, but not for the whole year.

The good thing about travel insurance is that it’s super easy to get – in fact, you can be covered in less than 10 minutes.

All you need to do is first determine the level of cover you’d like, for instance, are you heading off to the Alps for a ski trip, or do you just need the standard level of cover for a family holiday to Tenerife? This doesn’t need to be set in stone, a rough idea is fine.

After that, head off to a travel insurance comparison site. Not sure what one is best? We recommend Confused.com ¹, and have listed all the best comparison sites below. On the website, you’ll be asked a few questions about you, and the trip you’re going on – and then they’ll work out the best insurance deal for you in just a few seconds.

Then it’s simply picking the best deal that suits the insurance you’re after (normally the cheapest one from the shortlist). And then click through to the insurers website, you should have all your details pre-filled, have a check through, and then simply buy the insurance. Simple right?

How to get single trip travel insurance

You’ll typically be covered immediately, and have all the insurance documents sent to you (the single trip insurance policy), and often an online account will be created for you, and all your insurance documents will be stored safely for you, ready for if you need them again.

We recommend printing out your documents if you can, or save them to your phone. That way, they’re handy if you never need them on your trip.

If you want a bit more information, check out or guide on how to get travel insurance .

Best travel insurance comparison sites

Confused.com.

This normally has the cheapest travel insurance quote for most people.

Confused.com will compare up to 40 travel insurance companies (and all the largest companies).

They'll cover all the main types of insurance (e.g. pre-existing medical conditions, winter sports etc).

You can get a quote in just a few minutes too.

Additional information

Compare the market.

comparethemarket.com will search 42 travel insurance companies to find you the right deal.

They'll cover all the main types of insurance (e.g. pre-existing medical conditions, winter sports etc.)

MoneySuperMarket logo

MoneySuperMarket

MoneySuperMarket compares 35 travel insurance companies to find a great deal for you.

Remember we mentioned keeping a copy of your insurance documents? This is so you’ll know how to claim if someone goes wrong – and it can be a stressful time, so it’s great to be prepared beforehand.

Your insurance company will provide you with a direct contact number to get in touch. Call this, and they'll guide you through everything you need to do – and will help resolve any issues. Simply tell them everything that has happened and they’ll know what to do.

If you claim later, when you’re back home, there can be a time limit, so it’s best to call them as soon as you can. Get in touch with your insurer and they’ll run through how to claim, which is normally filling in some forms, and showing proof of ownership (if you’re claiming for lost items).

Has that made single trip travel insurance a bit easier to understand? We hope so!

Travel insurance is essential when travelling anywhere, and often getting single trip insurance is the best way to go – you can decide the exact cover you want, such as just the essentials for a beach holiday, or the full works if you’re heading off to a remote mountain to ski. 

And that means, you won’t be overpaying for insurance that you won’t need, and have just the right extra cover suited just for you and your holiday.

If you’re a keen jetsetter, the alternative is annual travel insurance, which can cover you for the whole year, and all of your trips. For more low-key, basic holidays, this can work out cheaper, but if you’re throwing in a holiday that needs extra cover (e.g. skiing), you might find that the cost to cover you for the whole year is a bit too much – so you can either get annual insurance for the basics and single trip insurance with specialist cover for your ski trip, or simply single trip for each holiday.

Either way, the best way to get the best deal for you is to use a travel insurance comparison site. We recommend Confused.com ¹, as they’re super quick and easy, and they’ll search most of the deals out there to find you the cheapest price for the right amount of cover.

And that’s it. All the best finding the best deal, and enjoy the trip!

This article was written by the team at Nuts About Money, and fact-checked by 2 independent reviewers. You’re in safe hands.

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Complete Solo Travel Guide: How to Travel Alone Like a Pro

Solo travel is one of the greatest experiences one can encounter in life. Relying only on yourself, facing the fear alone and enjoying the moments without any distractions are one of the perks of solo travel. However, travelling alone is not only roses. It can turn into a pretty frustrating experience for those who’re unprepared. Read this complete solo travel guide below to make sure your next solo adventure brings you nothing but pleasure and fun.

every single trip meaning

Check out everything you need to know before travelling alone, read my solo travel tips, safety instructions and find answers to all the curious questions about travelling alone. 

TABLE OF CONTENTS:

WHAT IS SOLO TRAVEL & WHY IT IS IMPORTANT

What solo travelling actually means and am I a solo traveller when I hook up with a bunch of people from a hostel? Before you decide on travelling by yourself have a closer look on how we can define ‘solo travelling’ itself and why it is actually important to make journeys without fellow companions. 

SOLO TRAVEL MEANING

The definition of ‘solo travel’ is simple – it describes all the trips and travels on which one embarks completely alone, without having a single travel companion . A person decides to travel single, chooses a particular destination or trip itinerary alone and books the flight or train tickets and accommodation on her or his own. 

There is nobody waiting for a solo traveller on the destination. He or she encounters all the trip independently and travels alone . A Solo traveller wanders the city alone, hikes alone and explores all the places alone until she or he decides to connect with other travellers in the area and get on a journey with them. 

There are no differences between solo travellers who prefer getting to a place alone and gad around completely unaccompanied; and those who like to socialize . The more sociable types can after spending some time alone hang out with locals, or do trips with people from the hostel or other solo travellers they met online.

Solo travelling is usually referred as well as: travelling alone, travelling by yourself, single travelling, single trip, solo trip, solo vacations (American), going on holidays alone and so on.

WHAT IS SOLO TRAVEL LIKE? IS IT GOOD?

It is very difficult to describe what is solo travel like as it is impossible to talk about experiences of other people in general. For each person solo travelling can bring varied feelings and emotions .

For many people travelling alone is about being free and independent . Other solo travellers take it as a form of a spiritual journey to find more about themselves, for others it is fun because they meet new people. Solo travelling can be as adventurous or as relaxing as you – the single traveller – make it. 

Of course, travelling by yourself can be sometimes lonely , but still offers such a diverse knowledge, experience and skills. You can rely only on yourself. All your senses are fully activated, and you can afford to do whatever you want.

Your experience is maximized because instead of focusing on finding an agreement with a travel companion and trying to fulfil his or her needs, you’re completely soaked in the sensations from the place itself. You can read more about the whole solo travel experience in my article ‘What Solo Travel Teaches You’.

every single trip meaning

SOLO TRAVEL TIPS: HOW TO TRAVEL ALONE

How to travel solo successfully? What should be a single traveller prepared for? How to plan a solo travel tip and what kind of budget to expect when travelling alone?

HOW TO PLAN A VACATION BY YOURSELF

Planning a solo trip is crucial. On one hand, you have all the freedom with choosing the destination of your dreams, selecting the perfect time, the way you travel and activities you plan to do.

On the other hand, for your safety and enjoying the trip to its maximum, you need to be extraordinary cautious with planning your solo travels into the tiniest details. 

We can divide the planning into choosing the destination, selecting the right time, the best transport, choosing accommodation, making an itinerary of the trip, list of activities and list of necessities to perfectly pack for the solo trip. 

1. CHOOSE THE DESTINATION

I believe that every single trip starts with choosing a destination. At least, every solo travel should! This decision is completely on you and your travel bucket list.

It very much depends on what you’re fond of, what you can afford budget wise, how adventurous and solo experienced you are and of course, where you can go Visa and restriction wise. 

Did I forget anything? You got me! What else could be more important for a solo traveller than the safety itself? I will talk more about safety in the section ‘Solo Travel Safety’ (in progress) and soon you will be able to read more about destination selection at the page ‘Solo Travel Destination’.

Meanwhile, I can briefly help you with the big decision on where to travel alone by stating a few questions you need to ask before travelling solo to a certain place :

  • What are your motivations to see this place?
  • Does the place really meets the purpose of the trip – in terms of nature, hiking options, culture, etc.
  • Is it safe? Would you feel safe and comfortable there?
  • How difficult is to get to the place or the city? Do you need a car? Do you drive?
  • What is the infrastructure ? Can you safely hang around using only public transport?
  • Can you afford to stay in this place?
  • Are there any cool places around ? Or can you imagine staying there during all your trip?

2. SELECT THE RIGHT SEASON, DATE AND TIME  

You are travelling alone so avoiding disastrous weather, especially something serious like tornados and hurricanes, is essential. Research the best time to visit your dream destinations and avoid the ‘unpleasant seasons’. 

For example, the Atlantic Hurricane season runs usually from June to November. Therefore, if you can’t imagine handling with possible weather complications during your solo travels to destinations affected by Atlantic hurricanes, you want to select a different date.

Time of arrival in the destination is also critical. When I travel solo, I prefer to spend a few more bucks on planes or trains with a reasonable arrival time. Most of the city transfers have a very limited schedule during nights , and I, personally, don’t feel very safe by crawling through the city at 1am to find my accommodation.

The other thing I am aware of are bank holidays of the country where I am travelling to. In many lands all shops and services may be closed during these days, so your arrival might be very disrupted. You may have less intercity connections, or you end up hungry because all shops are closed.

To summarize, you want to make sure that you select the perfect:

SEASON – the weather you want, no hazardous weather conditions.

DATE – how run the things in the destination during bank holidays or Sunday?

TIME – avoid late arrivals for your safety. 

3: PLAN THE BUDGET

Lucky those who can travel without the expenses in their minds! The rest of us have to get prepared on how much money we can afford to spend for the particular trip.

How to plan your solo travel budget:

  • Set up a total budget (What is the maximum you can spend?).
  • Allocate expenses into categories : accommodation, travel, transport, food & drinks, entrance fees, souvenirs, etc.
  • Follow the currency of your destination to get the best exchange deal .
  • Think how much cash you want and check ATMs available at your destination. What are the fees to withdraw money there?
  • Set aside some emergency money .
  • Decide on which credit or debit cards to take with you. 
  • Decide where you will store your cash, cards and emergency cash.

HOT TIP : if you have more debit or credit cards, take with you only the one where you have less but sufficient amount of money . In case of pick pocketers and other thieves you lose only one credit card, the second one is safe at home.

4. BOOK THE ACCOMMODATION & TRANSPORTATION

You know where you’re going, and you know how much you can afford to spend. The next step is selecting the best travel method and choosing the right accommodation. 

SELECTING THE BEST TRANSPORTATION

Look for the safest, most comfortable and most affordable means of transportation. Even if you’re on a budget, don’t make extremely ‘cheap choices’. The differences between prices are sometimes minimal and simple 10 euros or pounds can help you to reach your destination earlier and stressless.

Yes, travelling alone can be really stressful. Because there is nobody making the decision for you . You have to do everything to put yourself in a chilled mode. Hectic, chaotic and uncomfortable travelling can turn your solo trip into a nightmare. 

Once I booked a super early flights just to save around 20 euros. I ended up travelling exhausted, waiting for my next bus for hours and hours. Don’t waste money but mostly don’t waste your time . You can earn the money later, although you’ll never get back the hours you’ve lost. 

CHOOSING ACCOMMODATION WHEN TRAVELLING SOLO

This is very subjective and very much depends on your budget and preferences . I know many travellers who prefer hostels not only to save some money, but mostly to socialize and meet new people. 

I, personally, don’t need any of those. Furthermore, I prefer having my private bathroom, toilet and peace. One thing what can ruin my light night sleep is people checking in during super late or early hours, talking or partying directly in the room. 

So far, I was lucky enough to find hotels or hostels offering single rooms, or I found a double room for a very discounted price. You can also book only 1 place in a double room, but you will end up paying so-called single supplement. 

WHERE TO STAY WHEN TRAVELLING ALONE.

Pros: comfort, safety, amenities, usually better central locations

Cons: price, hard to meet new people

Pros: budget, easy to socialize, mostly friendly and open atmosphere, kitchen,

Cons: sleeping next to a stranger, less comfort, no privacy, less safety (you never know who you share the room with)

AIRBNB SHARED ROOM / GUEST HOUSE:

Pros: home atmosphere, mingling with the locals, safety (AIRBNB takes their polices seriously), usually affordable

Cons: Less privacy, shared space; if you don’t connect with the host, it might be awkward

AIRBNB / VRBO / ENTIRE APARTMENTS

Pros: Complete privacy, home atmosphere, kitchen, comfort

Cons: Pricey, loneliness (when staying at a hotel you can at least bump into somebody or have a chit-chat with the stuff.)

COUCHSURFING

Pros: it is for free, mingling with locals, exceptional & intimate atmosphere

Cons: no privacy, again when not connected to your host it can be very awkward; shared space

5. CREATE A ‘WANT TO SEE’ LIST AND PLAN THE ITINERARY

One of my most common solo travel tips would be: ‘know where and when you go but leave some space for random adventures’. 

I believe it is vital for a solo traveller to make a proper research about the place that she or he is visiting. You want to make the best out of your trip, you want to spend your trip by exploring not by planning or getting lost in a dodgy area. 

Planning freaks like me will have no struggles by creating to do & see lists and scheduling their itineraries. The other ones can easily underestimate solo travel preparations and leave the trip to ‘go with the flow’.

I enjoy spontaneous trips and hang-outs too, but I am not a big fun of wandering without any purpose; or even worse, ending the trip with a misery of missed opportunities . 

Planning your solo trip itinerary is also important from the safety perspective . If you know where you’re heading you can’t get lost, and you don’t look like being lost. The first one causes stress and anxiety , the second one makes you an easy target for scammers and criminals.

WANT TO SEE LIST:

  • Research the place.
  • What do you want to see and do?
  • What are the priorities of visiting these places? (must-see vs. nice to see)
  • Do you plan to stay at one place or do you plan to travel from a city to city?
  • Are those places safe for a solo traveller?
  • Do you need to buy some tickets in advance?
  • How can you get to the places you want to see?
  • How much time do you need to explore the places?
  • When is the best time to visit those places?
  • Are those located in the same area? 
  • Can you group these places or things according to the location or niche? (museum day, beach day, visiting the centre, suburbs…)
  • What do you have to pack?  (hiking shoes, own food

6. MAKE A LIST OF ALL ‘TO PACK NECESSITIES’

It’s packing time! Once you know where you go and what your solo travel activities will be, making a packing list should be a piece of cake.

Pay extra attention to the weather forecast and, of course, required dimensions of your travel luggage!

Don’t forget chargers, first aid kit, medication and your passport . I’ll give you more insights in the next paragraph about packing. 

SOLO TRAVEL ESSENTIALS & NECESSITIES

How to pack for your solo trip? I usually travel on light , not only to save some money but mostly my energy .

Dragging a monstrous 20 kilo luggage which doesn’t fit basically anywhere, with +30 degrees heatwaves outside doesn’t sound like pleasing travel to me.

The secret is to know what you really need and what, on the other hand, might stay at the bottom of your suitcase during the whole trip.

What to pack when you’re travelling alone:

  • Smart & light luggage
  • Right clothes & shoes
  • Enough funds
  • Good insurance
  • Reusable water bottle & food container
  • First aid kit, medication & hygiene
  • Chargers, adapters and other gadgets
  • Personal documents & their copies
  • Written cheat sheet with emergency contacts

1. SMART & LIGHT LUGGAGE

Once again, you’re not going to a catwalk (I guess). The fewer things you take, the fewer things you lose and the fewer things you carry. 

It is such a pain to wander around with heavy baggage. You may also grab much more unwanted attention than when travelling light. 

I prefer taking a medium-sized backpack or a tiny smart suitcase on wheels which I can fit nearly everywhere. Of course, the mean of your luggage depends on the destination.

If you’re about to have a city break , pick up a suitcase – it is more spacious, comfortable and in big cities you won’t look like a stranger. 

For more adventurous solo travels , when you visit further parts of the world, and you plan to change places often, then a backpack is the right choice!

2. RIGHT CLOTHES & SHOES

One more reason to have at least a tiny idea about what places you want to visit during your solo trip. Do you plan to swim ? Do you fancy a beach day ? Is the purpose of your solo travel hiking or culture hunting ? 

Once again, keep an eye on the weather in all your destinations. Always travel in the heaviest clothes to save some weight and space in your luggage. 

Is the destination conservative? Then pay extra attention to the norms of clothing of the place you head to. As a woman travelling to Muslim or other religious countries you will have to follow some rules like covering your legs, shoulders and head. 

You may want to avoid too sexy fashion as well at dodgier places. As a female solo traveller you don’t want to grab too much attention. 

HOT TIP: Check-out the fashion norms and trends of your destination to fit into the crowd and don’t look like a tourist.

3. ENOUGH FUNDS

We’re talking about money again.  Answer yourself these questions: 

  • What currency you need, and what’s the current trend of its fluctuations? 
  • Is it worth to exchange all the amounts before travelling, or can you find enough low fee ATMs / exchange agencies at the place? 
  • Where do you want to store your money?

I usually have a higher amount of cash in the local currency directly in my purse which I carry with me everywhere (mostly in a vigilantly monitored backpack or a handbag). Then I have a debit card with a sufficient but not significant amount which I save in the hotel room, in a locker.

Finally, I have also a reserve amount of cash, hidden somewhere. This way when I get rob I can still rely on some hidden safety cash. 

4. GOOD INSURANCE

Don’t travel without insurance, especially during the corona crisis. You might be healthy and young, and you might be supremely cautious, but you never know what happens.

Insure both yourself and your journey . Double check if your current health insurance insures you also abroad and where. Are you insured against emergencies and accidents ? If not, do so!

My next tip would be – take the physical insurance card with you. Everything is online nowadays including insurance and other ID cards. I prefer to take my physical card and keep it together with my passport on a very secure place. This might be either the strictly monitored handbag or pocket of your trousers. 

I assume that thieves might be more willing to steal my phone rather than my insurance card. And when this happens, I still have my physical insurance card with a hotline number to call in case of emergencies and accidents. 

5. REUSABLE WATER BOTTLE & FOOD CONTAINER

Don’t make a single step without a reusable water bottle. Travelling takes lots of energy and the levels of hydration have to be filled frequently. 

With a perfect sized reusable water bottle you’ll save yourself some money, and you’ll use definitely less plastic. Many cities have a fresh source of tap water in parks, gardens and other public places. 

However, if you’re heading to a trickier destination where tap water is not really recommended, there you may need to spend more money on bottled water. A better solution would be to get one of those fancy water filtrating bottles. 

I like to take a small food container to have enough energy boosters on my trips. A little snack can save you from fainting during your hikes or unpleasant surprises when visiting cities where a daily shut down of all restaurants and shops is something completely usual ( siestas in Italy and Spain ).

6. FIRST AID KIT, MEDICATION & HYGIENE

Be ready for the best and be ready for the worst. Pack your regular medication, painkillers, medicaments for stomach, thermometer, plasters, bandage, tweezers, vitamins and immunity minerals like zinc and iron, energy boosters, pads , etc. 

Don’t forget sun blockers, sunglasses with high UV, lip protector, hat or a cap. FFP masks together with antibacterial gels are a must nowadays. 

Dental hygiene is important so pack yourself a toothpaste, tooth brush, floss and possible a small package of dental water. 

Moisturizing is not only for princesses! Especially when you travel to dry and windy destinations. Cracked skin aches! Take care of it before it’s too late. 

7. CHARGERS, ADAPTERS AND GADGETS TO SAVE YOUR LIFE

Do your research – again. Know what kind of plugs they use in the country you’re solo travelling to and try to get a suitable adapter before the journey (there are also some multifunctional variations, or multi USB adapters).

Of course, never forget your cellphone or tablet charger , and possibly the gadget itself (phone, camera, tablet, laptop, etc.). Make sure your credit is topped up or your roaming completely set-up for the country of your stay. 

Little example of a big fail : my friends and I managed to get to Morocco without previously checking on if our Spanish numbers and roaming were valid there. We split into 2 groups to get our rental card and guess what – none of our EU phones worked.

MUST HAVE GADGETS:

  • Cell-phone or/and camera
  • tablet or/and laptop
  • Chargers & adapters
  • Portable Powerbank

LIFE SAVING GADGETS:

If you plan a little crazier trip (like a solo wandering through an Amazon jungle or solo hiking in Iceland), I leave for you a list of hardcore gadgets:

  • Portable Wi-Fi Hub
  • Survival kit, 
  • Pocket-Size washing machine
  • goTenna Mash
  • Automated travel vacuum
  • Water Purified Bottle
  • Tent & sleeping bag
  • Compass or GPS
  • High-tech foot warmers
  • Female Urination Device
  • Utility knife

(source: Travelaway )

 8. PERSONAL DOCUMENTS & THEIR COPIES

Make a copy of every document you take – ID, passport, insurance card, visa , etc. It may become handy in case you lose the originals. I have usually pictures of the most important documents also in a digital form – saved in Cloud, on Google Drive, or any software which is password secured.

9. WRITTEN CHEAT SHEET WITH EMERGENCY CONTACTS

Don’t rely on your phone only. It can get broken, it can be stolen, or it can be lost. Carry with you a paper cheat sheet with a list of all the necessary emergency contacts – telephone number and address of your hotel, telephone contact to your family and friends, your country’s embassy, local police, ambulance , etc.

Have those always with you, in a secure pocket or – a tip for ladies: in the back of your bra! This little piece of paper can save your life in case you get lost, your phone is having a bad moment, or in the worst scenario when it has been stolen or misplaced. Safety should always be the priority number one of your solo trip. 

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The Definitive Guide to Single Trip Travel Insurance

The single trip travel insurance guide.

There are currently well over 500 different single trip travel insurance policies to choose from. Selecting the right policy can seem a little overwhelming, so you will be glad to know that we have reviewed every one for you, ranking them by cover, sums insured and premium.

This review guide will help you understand what to look out for when picking single trip travel insurance and how to choose the right policy for you and your family.

Single Trip Travel Insurance

The Single Trip Travel Insurance Market

What is a single trip travel insurance, what does single trip travel insurance cover.

  • When should I buy single trip travel insurance

Can you take out single trip travel insurance after leaving?

Why get single trip insurance, who is a single trip travel insurance policy for, how much does single trip travel insurance cost, what affects the price of single trip travel insurance, what are the benefits of single trip travel insurance, what are the drawbacks of single trip travel cover, what are the exclusions under single trip holiday insurance, what extras can i include under a single trip travel.

  • Tips when comparing single trip travel insurance.

Despite the current economic climate and the looming results of Brexit, there has been a steady increase in the number of visits abroad, which have risen by 31% since 2010, a trend which has been forecast to continue.

78% of all trips abroad were to Europe, with Spain being the most popular European destination (26% of all trips). North America (including Canada) was the second most visited destination with 6.5% of all UK overseas visits being made to the region. The number of flights leaving UK airspace has also increased from 46 million in 2013 to 61.7 million in 2017.

Short breaks and city trips, particularly to European destinations is a rising trend aided by budget airlines and an avalanche of online providers offering cheaper last minute deals. Trips typically last no more than four nights. This has led to a change in holiday habits, indicating that consumers are taking a greater number of shorter overseas breaks rather than one long annual holiday.

Insure for Travel Insurance

The benefit of a single trip policy is that you are only paying for the specific time you are away.

As mentioned above single trip travel insurance covers a wide range of unknown situations, such as:-

  • Cancellation/Curtailment/Abandonment - The need to cancel, curtail or abandon your trip, as a result of death, bodily injury, illness, redundancy, foreign office directive, natural disaster or catastrophe.
  • Emergency Medical Expenses – The cost of medical treatment and associated expenses (such as repatriation) required as a result of an illness or injury caused whilst you are abroad.
  • Baggage Cover – The loss, theft, or accidental damage to your luggage, personal possessions or money.
  • Missed Departure – additional expenses to assist you in reaching your destination if you have missed your original departure.
  • Delayed Departure – Compensation if your flight is delayed for 12 hours or more.
  • Delayed Baggage – The cost of essential items if your baggage has been lost or delayed.
  • Personal Accident – Financial compensation disability or death as a result of an accident.
  • Personal Liability – Protection if you injure a third part or damage their property.
  • Legal Expenses – Should you need to sue for compensation.
  • Hijack/Mugging – Compensation should you be hijacked or mugged whilst abroad.

When should I buy single trip travel insurance?

Your single trip policy should be purchased the moment you book your holiday or trip. Even if you are not planning to travel for several months, the moment that you take out a policy, you will be covered for cancellation of your trip.

For example: -

You or a relative become sick or have an accident and are unable to go on the trip.

You might have been made redundant and can't afford to go on the trip and you didn't know about the redundancy when you booked.

You could be forced to cancel your holiday due to bereavement.

Despite the need to book insurance immediately after you have reserved your trip, it is estimated that 35% of consumers actually take out travel insurance 0-1 days before they leave. Whilst no-one wants to cancel their trip abroad, at least insuring early will mean the Insurer will refund some or all of the travel costs.

Single Trip Travel Insurance after leaving for your holiday

Yes . If you have already left and forgotten travel insurance, there are several companies who will still provide cover. This is on the understanding that nothing has occurred at the time of taking out the cover which has led to a claim or may lead to a potential claim.

Obviously, the Insurer would not pay for your belongings if you’ve already lost them, medical bills if you’ve already incurred them, or any other events known to exist at the time of arranging cover which might give rise to a subsequent claim.

We have listed a few examples of companies who offer this service.

  • True Traveller
  • Globelink Travel Insurance
  • Alpha Travel Insurance

To prevent fraud, there is normally no cover in the first 48 hours after you’ve taken out a policy, except where you suffer an injury as a result of an accident.

Whilst the last twelve months has seen an increase in the sale of single trip travel insurance, it is estimated that anywhere between 1 million to 3 million travellers didn't bother to take out a policy before they left for their trip abroad. Those customers who didn't take out cover cited the cost, poor past experience, or ignorance as the main reasons for not insuring themselves.

Travel Insurance has never been more competitive. A single trip policy covering a few days away can be purchased for just a few pounds. There is no good reason for you to travel abroad without Insurance. It doesn't make any financial sense NOT to take out travel insurance.

If you are planning a trip, even if it is only to Europe for a few days, you shouldn't just rely on the European Health Insurance Card . A serious injury may still leave you with a large medical and repatriation bill, having your luggage stolen or having to cancel the trip altogether, can leave you thousands of pounds out of pocket. For the cost of a round of drinks, you can travel knowing you are fully protected, should the unthinkable happen.

Most single trip policies can be taken out by an individual. Many policies offer a discount for couples (who live together) and families consisting of a single or two parents and up to eight children. In many cases children can travel free of charge

Asda Travel Insurance will include children at no extra cost under their family policy

Insurewithease.com will cover children for free under all their single trip policies

Some single trip policies will allow groups of individuals (who are not necessarily related) to cover themselves under the same policy (as long as they are travelling together and to the same destination). The majority of these will cover up to ten individuals and offer a discount.

A few companies will cover more than ten individuals such as TopdogTravelInsurance.com

Most policies require you to insure for a minimum of three days with a maximum period of 12 months (some companies will cover you up to 24 months), useful if you are planning to travel around the world for a year, or need to spend a few months with relatives. (There are specialist backpacker policies for longer term travel, but the cover isn't usually as comprehensive).

What you’ll pay for travel insurance is affected by a number of individual factors, such as:

Your age - In general the younger you are the cheaper your insurance is going to be. However some Insurers charge more for the under 25's, so it's important to compare costs. Price increase steadily until you hit your 60's when there is a huge step up in cost, in some cases by as much as 100%.

For travellers over the age of 75 the choice becomes less and the premium even higher. There are several companies who have no age limit on single trip travel insurance such as Holidaysafe.com , and Allclear Travel Insurance , who also specialise in travel insurance with Medical Conditions.

The level of cover - Like other companies, we rate travel insurance policies on a scale of 1 - 5, (with 5 being the highest rating) but unlike other companies, we take a much stricter approach to our award structure. We believe a 5 star policy should be just that, a policy that has the most comprehensive and highest levels of cover, combined with the lowest excess.

Of course these policies come with a higher price tag, but you can still find five star rated policies that are extremely competitive. For Example Holidaysafe's five star rated Premier Plus policy costs only £39.23 for a two week vacation anywhere in the world.

Four star policies are still worth considering but may not have the absolute highest levels of cover. The cheapest four star rated policy based on the same duration and destination as the example above is through Explorer Travel Insurance and their four star rated Platinum policy costing £28.37 .

If you don't need the highest levels of cover, three star policies are an option. Cover tends to meet the industry averages, but may be missing features like gadget cover, or end supplier failure and the excess may be higher.

You need to pay more attention and compare policies carefully if you are choosing a three star policy, to make sure your requirements are still met, but there are some great bargains to be had. Using the same criteria as above, Alpha Travel Insurance provides the cheapest option in respect of their three star rated Alpha 50 ST policy costing £22.61 .

One and two star policies are for those who only require the bare minimum cover for example just medical expenses and aren't worried about cancellation, baggage cover, missed or delayed departure. The advantage is that premiums are extremely cheap. If you are one of those people that hasn't in the past bothered with travel insurance, you should at the very least opt for a one or two star rated policy that covers emergency medical expenses, like CheaperTravelInsurance's bronze policy .

The type of holiday - two weeks sunbathing by the pool is going to cost less than two weeks skiing. Any holiday which includes adventurous activities such as skiing, scuba diving, mountain climbing, or trekking will cost you more and in most cases will be a paid option in addition to the standard premium.

Your Destination - Trips are normally split into three or four (sometimes five) regions. Trips to Europe France Germany etc. will be the cheapest. Taking advantage of the European Health Insurance card means that medical bills are lower for the Insurer.

Some Insurers charge a higher premium to include Balearic countries (Mallorca for example), as they tend to operate a higher level of private healthcare which costs more.

Some Insurers use a different rating structure if you are visiting either Australia or New Zealand. Whilst medical costs tend to be higher than European countries, there are reciprocal healthcare arrangements in place between the UK and these countries, known as MEDICARE and the medical cost to the Insurer is reduced.

The last two regions are the rest of the world excluding the USA and Canada and worldwide including the USA and Canada. In general terms, the further you travel the more expensive the policy will be. The cost of medical treatment in the USA and Canada, whilst excellent, is notoriously expensive and naturally premiums charged reflect this.

The duration of your holiday - Simply put, the longer you are abroad, the higher the cost of travel insurance.

Medical Conditions – if you have a pre-existing medical condition, chances are your premium will be higher. However there are some good travel insurers, who specialise in travel insurance with Medical conditions such as All Clear Travel Insurance . Don’t be tempted not to disclose any conditions, as failure to declare a pre-existing medical condition could invalidate your insurance. Read our guide on the rules of taking medicine abroad .

  • You only pay for the exact time you will be away.
  • The cover you choose will be tailored to that specific trip. For example if you have recently purchased an expensive laptop, you can make sure it’s specified. You can also make sure specific activities are covered which may not be the case with annual travel insurance .
  • Most annual policies have a single trip limit of 31 days. If you are travelling abroad for a longer period, a single trip policy would be the only option.
  • If you are only planning to go abroad once per year, a single trip policy should be cheaper than an annual one.
  • It may be more expensive to purchase single trip policies if you are planning more than one trip per year.
  • Every time you take a trip abroad, you would have to spend additional time re-comparing quotes and cover.
  • You must remember to take out a single trip policy every time you book a trip abroad.
  • Prices for travel insurance could increase over the course of a year, whereas with an annual policy you have already paid the premium for twelve months cover.
  • Loss or theft of, or damage to baggage, including valuables, gadgets and money if they are left unattended at any time (including a vehicle, or whilst in the care of a carrier), unless they were locked in a safe or left in your locked accommodation.
  • Loss or damage caused by your baggage being delayed confiscated or detained by customers or any other authority.
  • Losing or not having the correct documents (passport, visa, inoculation certificate, travel tickets) that you need to travel.
  • Travelling to a country or specific area, which has been advised against by the Foreign and Commonwealth office, or World Health Organization.
  • Travelling, to take part in a professional sport, or professional entertaining.
  • Changing your plans, returning home or cancelling a trip, because you no longer want to travel, didn’t enjoy the holiday or simply changed your mind.
  • Placing yourself in unnecessary danger, for example jumping or diving from a pier, wall, bridge or rock, including tomb stoning, or shore diving.
  • Climbing on top of or jumping from a vehicle. Climbing or jumping from a building or balcony.
  • Drinking too much alcohol, or taking drugs.
  • Claiming for costs that were paid for using any airline mileage reward scheme.
  • Claiming for illness caused as a result of a pre-existing medical condition, which you didn’t declare when taking out the insurance.
  • Planning an adventure holiday which includes an activity such as skiing , scuba diving, white water rafting or mountaineering and you haven’t told the Insurer.

In addition to the standard cover, you are in many cases, able to extend a policy to include further activities such as Golf or Cruise holidays , and the additional costs associated with a wedding abroad.

Travel Insurance may also be extended to cover business trips , including business equipment and car hire excess. For those who plan to trek or mountaineer, cover can be extended to include the cost of search and rescue.

Tips when comparing single trip travel insurance

You should think about the type of trip you are taking (business, relaxing holiday, weekend break, adventure holiday), the overall cost, how much luggage you are taking with you.

Emergency Medical Treatment - The vast majority of policies cover £10 Million and upwards, but you should go for at least £5 Million.

Cancellation – Make sure that the maximum exceeds the total cost of your holiday, including hotel or villa, flights, or cost of travel and pre-paid excursions.

Baggage – Add up the total cost of personal possessions that you will take with you on your trip and make sure this is under the policy limit. Also pay attention to the single article limit, the valuables limit, and the limit for gadgets like laptops, mobile phones etc. Make sure you are not carrying more than you are insured for.

Money and Cash – Check the policies inner cash limit. Don’t carry more cash than the limit allows, because if it is stolen or you are mugged, you won’t be insured.

Legal Expenses – It is always good to know that you have any legal costs covered, so go for a policy that includes it as standard.

Personal Liability – Accidents happen and sometimes caused by you, so choose a policy that includes at least £1 Million, preferably £2 Million of Personal Liability cover.

Activities – Think about the activities you plan to do whilst on your trip and check the policy to ensure they are either automatically included (even common activities like swimming or snorkelling) or that you have paid the correct additional premium to include them.

Excess – Some policies don’t charge any excess, but if you can stand to take a small hit in the event of a claim, then premiums can be reduced if you elect a large voluntary excess.

Finally if you are using a comparison website, don’t just settle for the cheapest, because the protection offered may not be enough to cover your holiday. Carry out your research carefully. If you want an unbiased opinion use our free travel insurance comparison and rating tool to help you narrow down your search.

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Single vs Multi-Trip Travel Insurance

  • TATA AIG Team
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The frequency with which you travel plays a big role in determining what variant of travel insurance you should take. In the article we will break down the difference between single trip & multi-trip travel Insurance, stick around.

Single vs Multi-trip travel insurance- which one do you really need?

The frequency with which you travel plays a big role in determining what kind of travel insurance you should take. For example, if you are an occasional traveller – who travels only once or twice during a year, you should opt for a Single Travel insurance policy. Alternatively, if you are someone who travels more frequently either for work, pleasure or both then the Multi-trip Travel insurance policy may be the more economical option for you.

Single Trip Travel Insurance To understand what is single trip travel insurance, we first need to understand what is the meaning of single trip. single trip is defined as the duration during when the traveller leaves india & returns back to india Stays active for a single trip taken from the date of the start of the trip to the date the trip ends. Normally, a single trip's maximum duration is 180 days.

Multi-trip Travel Insurance Now that we've detailed out what is a single trip travel insurance, understanding a Multi - Trip travel Insurance is a walk in the park, its important to note that the multi-trip travel insurance variant is also called annual travel insurance, this type of travel insurance stays active for a year, during this time, the traveller can take as many single trips as he/she wishes provided, the duration of any of the single trips does not exceed 30 or 45 day

Single Trip or Annual Trip - Which one Should You Pick?

Example 1 Mr Vora finds himself flying frequently in and out of the country owing to his many business trips. He is a legal advisor and travels between the UK and India once a month. Each trip lasts for a period of 4-5 days. In his case – with shortstops and frequent trips, multi-trip travel insurance works best. Since he wouldn't have to purchase insurance before every trip, it'd help him save time. He can also renew the policy at the end of the tenure by just paying the premium.

Example 2 Parag and Neha are best friends, who have decided to take one adventure trip to a new destination every year. Other than this they are working in Mumbai, and they only use local transport to travel from home to office and back. For them, the single travel insurance policy is the apt option.

Example 3 Smriti Mishra, a 24-year-old from Mumbai, just graduated from law school and is planning on going for a 2-month backpacking trip in three continents - Asia, Europe and Africa. She plans to come back home to India, in between each of these three backpacking adventures. Multi-trip travel insurance would be the best for her because while she will take multiple trips in 1 year, none of them will extend beyond 45 days each.

Example 4 Mrs Agarwal is recently retired and is desirous of travelling the world. She has had a lifelong dream of making a difference in the world. To achieve both these dreams, she plans to join a women’s empowerment group which will go to many different places around the world – sightseeing, as well as making a difference. Since Mrs Agarwal will be travelling a lot in the next few months, it will be more cost-effective for her to opt for multi-trip travel insurance as opposed to a different getting a different insurance policy every time. She will also get compensated for any delayed or cancelled flights.

Multi-trip policies work out cheaper as well as save you the hassle of applying for a policy each time you travel. So, #ThinkAhead and analyse your upcoming travel plans With TATA AIG, you can avail features like all-round coverage, personal liability issues, and compensation for dental expenses. It's a win-win.

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Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure / policy wording carefully before concluding a sale. Trade logo displayed above belongs to TATA Sons Private Limited and AIG and used by TATA AIG General Insurance Company Limited under License. 2008, TATA AIG General Insurance Company Limited, all rights reserved. Registered Office : Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India. CIN: U85110MH2000PLC128425. IRDA of India Regn. No. 108. Toll Free Number : 1800 266 7780 / 1800 22 9966 (only for senior citizen policy holders). Email Id – [email protected] . Category of Certificate of Registration: General Insurance.

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Two One-Way Flights or One Round-Trip: Which Is Better?

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Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Booking a flight involves navigating a maze of decisions. Is it better to fly with a budget airline or full-service one? How about basic economy versus regular economy ? And would you prefer pretzels or a cookie? 

Choosing between a single round-trip or two one-way tickets is the most basic decision and — you might be surprised to learn — one of the more nuanced. 

The cost between the two is usually the same for domestic flights but can vary significantly for international routes (assuming you're booking with cash rather than points and miles ).

Given that airfare was 26% more expensive in January 2023 than January 2022, according to the latest consumer price index data, budget travelers need to save every penny they can. 

In general, it can be more convenient to book a round-trip flight for a trip with specific start and end dates, but other considerations, such as cancellation policies and pricing, could make booking one-ways more appealing in some cases. And everything works differently for flights booked with miles. 

Let’s break it down.

Domestic flights

For flights within the United States on the same airline, round-trip tickets almost always cost the same as two one-ways.

There’s one caveat here: Booking two one-way tickets between separate destination or arrival airports can, in some cases, save money (or cost more). 

“Fares don’t have to be booked as returns,” says Laura Lindsay, travel trends expert at SkyScanner, a travel booking platform. “Look at flying out with one airline and back with another, or out of one airport and back into another to save money.”

Many online travel tools will automatically compare prices for these mismatched airline or airport itineraries and automatically include them in search results.

But it might be worth checking manually, especially for plans that involve different local airports or for airlines that don’t appear in search results , such as Southwest.

All that said, for domestic flights, the difference is almost always a wash. 

International flights

For international tickets, the logic changes completely. Round-trip tickets are usually cheaper than one-ways, sometimes significantly so.

NerdWallet compared fares across multiple international routes and found that, typically, buying two one-way tickets costs 20% more than a single roundtrip. 

To determine these differences, we compared routes between four U.S. airports and two airports in each destination region.

The effect is more pronounced when flying to some regions, such as Africa and Asia. That said, for flights between the U.S. and every region we looked at, it costs more to book two one-ways than a single round-trip. 

In some circumstances, such as open-ended trips where you don’t know when you’ll be returning, one-way flights might still make the most sense. But for most international travel, round-trip fares are the clear winner. 

Are round-trip or one-way flights cheaper if booking with points?

What about the cost difference between one-way and round-trip fares when using points or miles ?

Generally, airlines break these fares into one-way sections, meaning there is no meaningful difference between the two, in terms of cost. Yet a few caveats apply: 

Taxes on award flights can be higher when booking two one-ways. Delta Air Lines, for example, tends to charge more fees for flights originating in Europe.

Some airlines, such as ANA, do not allow one-way award flights, period. 

Flights booked with credit card points using a travel portal (i.e. not transferred to an airline partner) follow the same rules as cash fares. 

Other considerations

It’s also worth considering the impact of changes and cancellations on the two options.

Most airlines have eliminated change fees , making it easier to change and cancel both kinds of tickets. But canceling one leg of a round-trip ticket can sometimes be more complicated than canceling a one-way ticket.

In some cases, you might need to call customer service, instead of canceling online, to make sure the change doesn’t cancel your other flight segments as well.

And finally, there’s the question of simplicity.

Is the simplicity of having a single itinerary, managed by one round-trip confirmation code, worth these other trade-offs? This simplicity, paired with the fact that round-trip tickets are almost never more expensive than two one-ways, means that these fares make sense for most travelers.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

Chase Sapphire Preferred Credit Card

on Chase's website

1x-5x 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.

Chase Freedom Unlimited Credit Card

1.5%-6.5% Enjoy 6.5% cash back on travel purchased through Chase Travel; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

$300 Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

Capital One Venture Rewards Credit Card

on Capital One's website

2x-5x Earn unlimited 2X miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.

75,000 Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

every single trip meaning

Winter is here! Check out the winter wonderlands at these 5 amazing winter destinations in Montana

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  • Safety & Insurance

What Is A Single Trip Travel Insurance

Published: December 18, 2023

Modified: December 28, 2023

by Melitta Lindeman

what-is-a-single-trip-travel-insurance

Introduction

Understanding the Essence of Single Trip Travel Insurance

Traveling is an exhilarating experience that opens doors to new cultures, cuisines, and adventures. Whether you're embarking on a solo journey, a romantic getaway, or a family vacation, the thrill of exploration is often accompanied by the need for security and peace of mind. This is where travel insurance steps in to offer a safety net, ensuring that unforeseen circumstances do not derail your plans or jeopardize your financial well-being.

Travel insurance comes in various forms, tailored to meet the diverse needs of globetrotters. One such option is single trip travel insurance, a popular choice for individuals or families planning a one-time excursion. This type of insurance is designed to provide coverage for a specific trip, offering protection against a range of potential mishaps that could occur before or during your travels.

Single trip travel insurance is a valuable asset for those seeking comprehensive protection during their journey. From trip cancellations and medical emergencies to lost luggage and flight delays, this insurance serves as a reliable companion, ensuring that travelers can navigate through unexpected challenges with confidence. Let's delve deeper into the nuances of single trip travel insurance, exploring its coverage, benefits, and the process of acquiring this essential safeguard for your upcoming adventure.

Defining Single Trip Travel Insurance

Single trip travel insurance is a specialized form of travel insurance that provides coverage for a specific journey, typically from the departure to the return home. It is tailored for individuals, couples, or families embarking on a one-time trip, whether it’s a weekend getaway, a business excursion, or an extended vacation. This type of insurance offers financial protection and assistance in the event of unforeseen circumstances that could disrupt or impact the travel plans.

Essentially, single trip travel insurance is designed to mitigate the risks associated with traveling, offering a safety net that extends beyond the conventional travel bookings. It encompasses a wide range of potential mishaps, including trip cancellations, medical emergencies, evacuation, lost or delayed baggage, and travel delays. By securing single trip travel insurance, travelers can navigate through unexpected challenges with confidence, knowing that they have a reliable support system in place.

One of the key features of single trip travel insurance is its flexibility and customization. Travelers have the option to tailor their insurance coverage based on their specific needs and the nature of their journey. This could include adding extra coverage for adventurous activities, pre-existing medical conditions, or valuable belongings, ensuring that the policy aligns with the unique aspects of the trip.

Moreover, single trip travel insurance offers peace of mind by providing 24/7 assistance and support services, such as emergency medical referrals, legal assistance, and travel guidance. This proactive approach aims to alleviate the stress and uncertainties that may arise during travel, allowing individuals to focus on creating lasting memories and experiences.

As the travel landscape continues to evolve, single trip travel insurance remains a fundamental component of a well-planned and protected journey. Its comprehensive coverage and personalized approach make it an indispensable asset for travelers seeking assurance and security during their adventures.

Coverage Provided

Single trip travel insurance offers a comprehensive range of coverage to safeguard travelers against various unforeseen events and emergencies. The specific coverage provided may vary depending on the insurance provider and the chosen policy, but it typically includes the following key elements:

  • Trip Cancellation or Interruption: This coverage reimburses the non-refundable expenses if a trip is canceled or cut short due to covered reasons, such as illness, injury, or unforeseen circumstances.
  • Emergency Medical Expenses: Single trip travel insurance includes coverage for emergency medical treatment and hospitalization while traveling abroad, ensuring that individuals receive the necessary care without incurring exorbitant costs.
  • Travel Delay or Missed Connection: In the event of a delayed or missed connecting flight, train, or cruise due to reasons beyond the traveler’s control, this coverage provides reimbursement for additional expenses incurred, such as accommodation and meals.
  • Baggage and Personal Belongings: Coverage for lost, stolen, or damaged baggage and personal belongings during the trip, offering financial compensation to replace essential items and mitigate the inconvenience caused by such incidents.
  • Emergency Evacuation and Repatriation: In the case of a medical emergency or a natural disaster, this coverage ensures that travelers receive assistance in arranging emergency evacuation to the nearest adequate medical facility or repatriation to their home country.
  • Personal Liability: Protection against legal expenses and compensation for accidental injury or damage to third parties or their property, offering financial security and legal support while traveling.

Furthermore, single trip travel insurance may include additional optional coverage, such as adventure sports coverage for activities like skiing, scuba diving, or bungee jumping, as well as coverage for pre-existing medical conditions, trip curtailment, and rental car damage.

By encompassing a diverse array of coverage options, single trip travel insurance provides travelers with the assurance that they are protected against unforeseen events and emergencies, allowing them to embark on their journey with confidence and peace of mind.

Benefits of Single Trip Travel Insurance

Single trip travel insurance offers a multitude of benefits that contribute to a seamless and secure travel experience. Understanding these advantages can help travelers appreciate the value of this essential safeguard and make informed decisions when planning their next adventure. Some of the key benefits of single trip travel insurance include:

  • Financial Protection: By providing coverage for trip cancellations, medical emergencies, and unforeseen mishaps, single trip travel insurance safeguards travelers from incurring significant financial losses, ensuring that their investment in the trip is protected.
  • Peace of Mind: The assurance of having comprehensive coverage and 24/7 support services alleviates stress and uncertainties, allowing travelers to focus on enjoying their journey without worrying about potential mishaps.
  • Emergency Assistance: Single trip travel insurance offers access to emergency medical referrals, travel guidance, and support services, ensuring that travelers receive timely assistance and expert advice in challenging situations.
  • Customizable Coverage: Travelers have the flexibility to tailor their insurance policy to suit their specific needs, whether it involves adding coverage for adventurous activities, pre-existing medical conditions, or valuable belongings, thereby ensuring that the policy aligns with the unique aspects of the trip.
  • Convenience and Accessibility: The process of purchasing single trip travel insurance is straightforward and easily accessible, often available online or through travel agencies, providing a convenient means of securing essential protection for the journey.
  • Risk Mitigation: By mitigating the risks associated with travel, including medical emergencies, trip disruptions, and unforeseen events, single trip travel insurance enables travelers to navigate through challenges with confidence, knowing that they have a reliable safety net in place.

Moreover, the benefits of single trip travel insurance extend beyond financial and logistical aspects, encompassing the invaluable peace of mind and security that come with knowing that one is prepared for the unexpected.

Ultimately, single trip travel insurance serves as a vital tool for travelers to safeguard their well-being, investments, and experiences, ensuring that they can embark on their journey with confidence and tranquility, regardless of the destination or the nature of their travel plans.

How to Purchase Single Trip Travel Insurance

Securing single trip travel insurance is a straightforward process that offers travelers the flexibility to choose a policy that aligns with their specific needs and preferences. The following steps outline the typical process of purchasing single trip travel insurance:

  • Evaluate Your Needs: Before purchasing travel insurance, assess the specific requirements of your trip, including the destination, duration, activities planned, and any pre-existing medical conditions. Understanding these factors will help you determine the level of coverage needed for your journey.
  • Research Insurance Providers: Conduct thorough research to identify reputable insurance providers that offer single trip travel insurance. Compare the coverage options, policy features, and customer reviews to select a provider that meets your criteria for reliability and comprehensive protection.
  • Choose the Coverage: Select the coverage options that best align with your travel plans. Consider factors such as trip cancellation, medical expenses, baggage protection, and any additional coverage required for specific activities or belongings.
  • Obtain Quotes: Request quotes from multiple insurance providers to compare premiums, deductibles, and coverage limits. This step allows you to make an informed decision based on the cost-effectiveness and value offered by each policy.
  • Review the Policy Details: Carefully review the policy documents, including the terms and conditions, coverage exclusions, and limitations. Ensure that you understand the scope of coverage and any requirements or restrictions associated with the policy.
  • Purchase the Policy: Once you have selected a suitable single trip travel insurance policy, complete the purchase process through the insurance provider’s website, a licensed agent, or a travel agency. Provide the necessary information and payment details to finalize the policy acquisition.
  • Receive Confirmation and Documents: Upon purchasing the insurance policy, you will receive a confirmation of coverage along with the policy documents. It is essential to keep these documents easily accessible during your travels for reference in case of emergencies or claims.

It is important to note that the process of purchasing single trip travel insurance can vary based on the insurance provider and the channels through which the policy is obtained. Additionally, some credit cards and travel booking platforms offer the option to purchase travel insurance as part of the reservation process, providing added convenience for travelers.

By following these steps and exercising due diligence in selecting the right policy, travelers can acquire single trip travel insurance that offers comprehensive protection and peace of mind throughout their journey.

Single trip travel insurance stands as a vital asset for individuals, couples, and families embarking on a one-time journey, offering a safety net that extends beyond the conventional aspects of travel planning. The comprehensive coverage, flexibility, and peace of mind provided by this form of insurance make it an indispensable component of a well-protected and secure travel experience.

By understanding the essence of single trip travel insurance, including its coverage, benefits, and the process of acquisition, travelers can make informed decisions to ensure that their journeys are safeguarded against unforeseen events and emergencies. The financial protection, emergency assistance, and customizable coverage options offered by single trip travel insurance contribute to a seamless and secure travel experience, allowing individuals to explore new destinations with confidence and tranquility.

As the travel landscape continues to evolve, single trip travel insurance remains a fundamental tool for mitigating the risks associated with travel, ensuring that individuals can navigate through unexpected challenges without compromising their well-being or financial stability. The convenience of purchasing single trip travel insurance, coupled with its accessibility and tailored coverage options, empowers travelers to embark on their journeys with the assurance that they are prepared for the unexpected.

Ultimately, single trip travel insurance serves as a reliable companion, offering peace of mind and security throughout the duration of a specific journey. Whether it’s a leisurely vacation, a business trip, or an adventure-filled escapade, this form of insurance provides travelers with the confidence to embrace new experiences and create lasting memories, knowing that they are protected by a robust safety net.

By recognizing the value of single trip travel insurance and taking proactive steps to acquire comprehensive coverage, travelers can embark on their adventures with the freedom to immerse themselves in the wonders of travel, knowing that they have a reliable support system in place, ready to assist them in navigating through the unexpected twists and turns of their journey.

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Single Travel: Essential Tips for Planning a Solo Trip

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We are the editors of SmarterTravel! Together we have appeared in countless travel publications including ABC News, Huffington Post, Travel + Leisure, USA Today, and more. We dedicate our days to creating and producing expert travel content, including packing tips, general travel advice, destination inspiration, and helpful videos. Follow us across social media on YouTube , Pinterest , Facebook , Instagram , and Twitter or drop us a line to say hi at [email protected]!

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People who have never traveled alone often describe their first solo trip as an almost religious experience. To take in new surroundings unfiltered by the prejudices, tastes, or preferences of a traveling companion can be heady stuff. Solo travel gives you the chance to indulge yourself fully.

Of course, traveling alone has its perils too—such as safety concerns, loneliness, and the dreaded single supplement. But a little preparation and common sense can save you money and get you through the rough spots.

Why Travel Alone?

How to travel alone safely, how to travel alone as a woman, avoiding the single supplement, tips for solo dining.

  • When You’ve Had Enough of Solo Travel

The Best Solo Travel Websites

Solo travel can be the ultimate in self-indulgence; you can rest when you want and pour it on when you’re feeling ambitious. Another benefit is that your mistakes are your own, and your triumphs all the more exciting. There’s no worrying that your insistence on trekking all the way across town to a museum that was closed ruined your partner’s day; it’s your own day to salvage or chalk up to a learning experience.

Also, you can do exactly what you want to do—all the time. Always wanted to try surfing? Sign up for a class and go for it; there’s no one sitting on the beach feeling bored while you have the time of your life. Have no desire to see Niagara Falls? Just drive right by. For more benefits of solo travel, see 11 Reasons Why You Should Travel Alone at Least Once .

The 13 Best Places to Travel Alone

A young traveler with a map stands by the railing and looks at the historic city.

It’s perhaps the foremost question of the solo or single traveler: “Is solo travel safe?” Without a companion to watch your back, you are more vulnerable to criminals and scam artists, as well as simple health worries. But the saying “safety in numbers” isn’t always true—a solo traveler can blend in more easily than a group, and not drawing attention to yourself as a tourist is one way to stay secure.

Here are a few safety tips for traveling alone:

Do your homework before you arrive. Know how long it takes and how much it costs to get from the airport to your hotel or to the city center. Solo travelers are more likely to be “taken for a ride,” so ask the taxi driver for an estimated fare before you leave. If it’s considerably different from what you know to be true, take a different cab (or opt for a rideshare instead).

Choose the right accommodations. Book a hotel with a 24-hour front desk if you’ll be arriving late, so you don’t end up sleeping in your car or worse.

Trust yourself. If it doesn’t feel right, don’t do it.

Carry good identification —in more than one place. If you choose to wear a money belt , use it for storage and not as a purse. Constantly reaching under your shirt for money draws attention to it and defeats the purpose. Instead, keep your passport, extra stores of money, and other important documents tucked away, and use a theft-resistant bag or purse for carrying daily spending money.

Stick to open and public places , especially at night.

Exude confidence. Whether you’re on a street at home or 7,000 miles away, walking confidently and with direction is an effective technique for deterring unwanted attention, since appearing lost or confused can make you vulnerable. If you are lost, walk into a shop or restaurant and ask for directions there.

Avoid appearing like a tourist. Ditch the Disney T-shirt and don’t walk around with your face in a guidebook. (See 10 Things Not to Wear Abroad for more thoughts on this one.)

Leave valuables at home. Don’t draw attention to yourself by wearing flashy clothes or jewelry.

Lie a little. When asking for directions, don’t let on that you are alone: “Can you direct me to the museum? I have to meet a friend.”

Check your maps and transportation schedules before leaving your hotel/train/rental car/tourist office. A solo traveler who’s too absorbed in their phone can be a mark for unsavory types.

Leave a copy of your itinerary with a friend or family member at home, and stay in touch regularly via phone, text, video chat, or email.

Register with the State Department. For U.S. citizens traveling internationally, consider signing up for the free Smart Traveler Enrollment Program (STEP) , which could help the State Department assist you in case of emergency. If you’re from outside the States, see if your home country has a similar program.

Arrive during the day. Areas around bus and train stations can be scary and/or deserted, and small towns tend to shut down early. Veteran solo traveler Mara Rothman of San Francisco notes that plenty of beautiful towns can appear eerie at night, and locals who are genuinely trying to help you can appear unnecessarily threatening. Arriving during the day means you’ll be able to find a place to stay and get your bearings before dark.

Trust everyone and no one. One of the best reasons to travel alone is to meet new people, but this also makes you more vulnerable. It’s okay to hang out, travel, and share with new friends, but you might not want to ask them to hold your money. Scam artists can often be the most charming companions you’ll find; you want to be open-minded, but keep your guard up enough to ensure your safety.

10 Travel Safety Mishaps (and How to Avoid Them)

portrait of young stylish hipster woman walking on the street, wearing trendy outfit, straw hat, travel with backpack

Though some tips apply to just about every solo traveler, women traveling alone have their own set of safety concerns that most men don’t have to face. Here are a few tips to help you protect yourself.

Exercise hotel safety. At check-in, consider asking for a room near the elevator so you won’t need to walk down long, potentially ill-lit hallways to reach your room. When filling out guest registration forms, consider using your first initial instead of your name, and skip the “Mrs./Miss/Mr.” check box. Additionally, make sure the clerk writes down your room number instead of saying it out loud. This will prevent anyone in the vicinity from knowing where to find you later. Consider packing a door stop to wedge under the door in case the lock is unreliable.

Dress to blend in. To avoid attracting unwanted attention, dress as conservatively as the women you see around you. This doesn’t necessarily mean donning the traditional dress, but a good rule of thumb is to dress modestly. Think knee-length or longer skirts. Bare arms, shoulders, and legs are considered risqué in some countries, so do the research before you go and once you’re there. Note which body parts the local women cover and do the same.

Know when to buddy up. Seeking out company can help you have a safer and more enjoyable experience. Smaller hotels and hostels are great places to find like-minded travelers to explore new places with. And even when you can’t find someone to buddy up with, there are often ways to associate yourself with others so you’ll be less likely to be bothered. In some countries, there are women-only sections in trains and women’s waiting rooms at train stations. Sticking close to families on public transportation and in unfamiliar public markets is another technique some women use.

Combat harassment. Having a repertoire of harassment deterrents can be as important to women travelers as a sturdy pair of shoes and a passport. Not engaging with people who are bothering you can make you a less interesting target. If you want to avoid being approached during lulls in activity, such as while waiting for a train, carry a novel or keep your eyes on your phone to make yourself look busy and involved.

If a situation of harassment escalates, making a scene can sometimes be effective. Many societies place a high premium on respecting social norms, so drawing attention to harassment in a loud and clear manner may solve the problem. The sentence for “leave me alone” is a handy one to learn in the language of your destination.

What is the Safest Hotel Floor to Stay On?

Emerald Single Cabin on Emerald Star

Frequent solo travelers are all too familiar with the single supplement, which tour operators and cruise lines often tack onto your bill to make up for the fact that they’re not making money off a second occupant. The supplement can range anywhere from 25 to 100 percent of the trip cost, meaning that you could end up paying twice as much as someone traveling with a partner.

There are several ways to get around the single supplement. You can avoid it altogether by booking with a tour operator that doesn’t charge single supplements on most trips, such as Overseas Adventure Travel .

Many other tour operators, including G Adventures , Intrepid Travel , Exodus Travels , REI Adventures , Adventure Women , and Road Scholar , offer roommate matching. By finding you a roommate, the company maximizes its own profit off each room and saves you the single supplement. The catch is, of course, that you’ll have to share a room with a stranger. If you’re concerned, contact the tour operator and see what kind of procedures it uses to match roommates. Some pair people off at random, while others will try to put travelers of similar ages together.

Several cruise lines offer single staterooms on select ships, including Royal Caribbean , Norwegian Cruise Line , Cunard , and P&O Cruises .

You can sometimes save money by booking at the last minute. Tour operators eager to sell out their last few places may be willing to reduce their usual single supplement. Insight Vacations and Road Scholar are two companies that regularly discount or waive single supplements.

It’s not for everyone, but you may also want to consider staying in a hostel, which charges per bed rather than per room. Hostelling International properties tend to be reliably clean and secure, and they’re open to travelers of all ages. You can find more hostels and read reviews at HostelWorld.com .

3 Ways for Solo Travelers to Avoid Single Supplements

People are sitting at the outside terrace of a small cafe in the historic centre of Faro

Eating alone isn’t so bad. Many solo travelers (and frequent business travelers) hate dining by themselves, worried that they appear like some worn-out Willy Loman of the road. There’s even a name for it: solomangarephobia. (Occasionally the fear is justified—see Terror at the Table for One .) The following tips can help you overcome what for many travelers is the most unpleasant aspect of going it alone.

Chat with the service people. Waiters and waitresses are some of the best local color you’ll find.

Choose the right eatery. Cafe or outdoor dining is often attractive to single travelers; sitting alone with a book in a cafe isn’t as unusual as a table for one at a fancy restaurant. You can also opt for a counter seat or a seat at the bar. A restaurant booth can also provide some privacy.

Bring reading material. If you start to feel uneasy sitting alone and staring down at your food, you can crack open a book, whip out your phone, or read a magazine.

Eat in. If you don’t want to endure yet another public meal alone, use room service or order carry-out from a restaurant nearby.

Eat well. Just because you’re alone doesn’t mean you shouldn’t take time for sit-down meals, a leisurely cup of coffee, or a decadent dessert.

When You’ve Had Enough of Single Travel

The constant sensory input and vigilance of traveling alone can wear you down. If you feel your attention or your body flagging, don’t be afraid to back off your ambitious itinerary, slow the pace, and kick back for a bit.

When traveling abroad, seek out an expat bar—locals will often know where these are—where you can hang out and speak your native tongue with some fellow expatriates and travelers. When traveling in more familiar locales, a hot shower and a night in front of the tube in a nice hotel room can often give you enough of a reprieve to send you out eagerly the next morning.

How to Meet Other People When You’re Traveling Solo

Woman traveling alone on streets of Bangkok

Best Single Travel offers vacations, cruises, and weekend getaways for solo travelers of all ages.

Flash Pack leads small-group trips of single travelers in their 30s and 40s.

GAFFL , which stands for “Get a Friend for Life,” lets you find travel buddies to meet up with in your destination.

Intrepid Travel has dedicated solo trips as well as a roommate-matching program on the rest of its offerings, so you never have to pay a solo supplement if you don’t want to.

One Traveller is a U.K.-based company leading trips for the “mature single traveller” (aged 50+) to destinations in Europe, Asia, Africa, and the Americas.

Singles Travel International offers trips for solo travelers with an average age 50+. If the company can’t find you a roommate by the time you make your final payment, you can have a room to yourself for free.

Solos is a U.K.-based company offering a wide variety of solo-only trips around the globe.

Solo Traveler offers tips, resources, and destination guides for solo travelers.

Women on the Road offers tips and advice for women traveling alone.

Women Traveling Together is for women travelers, most of them age 50+ and unaccompanied, who prefer to be with a group of like-minded women. The company offers tours, retreats, and other getaways, complete with roommate matching.

Editor’s note: This story was originally published in 2017. It has been updated to reflect the most current information. Sarah Schlichter and Christine Sarkis contributed to this story. All of the products featured in this story were hand-selected by our travel editors. Some of the links featured in this story are affiliate links, and SmarterTravel may collect a commission (at no cost to you) if you shop through them. As an Amazon Associate, we earn from qualifying purchases.

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We hand-pick everything we recommend and select items through testing and reviews. Some products are sent to us free of charge with no incentive to offer a favorable review. We offer our unbiased opinions and do not accept compensation to review products. All items are in stock and prices are accurate at the time of publication. If you buy something through our links, we may earn a commission.

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Every single.

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Annual vs Single Trip Travel Insurance

Annual vs Single Trip Travel Insurance

Many people have started packing their luggage to airports and started travelling again. So are you too? But before your excitement kicks in, don’t leave out the most essential – travel insurance!

every single trip meaning

Travel insurance covers risk during travel against financial loss. It covers a range of possibilities such as loss of passport and personal belonging cover, loss of checked-in baggage, etc. When choosing a travel insurance policy, you will have two options if you want to buy an annual trip or a single trip cover.

So which one should you consider purchasing? Read on as we explain the differences between these two to help you make an informed decision.

Annual travel insurance

Annual travel insurance covers multiple trips for a year from the date the policy starts. The plan covers a whole year of trips, whether for business or pleasure, up to a certain maximum duration for each trip.

There will be a limit on the number of days you can travel for each trip depending on the insurers. You will often be allowed to select from 30, 45, or 60 days of cover for each trip.

Annual travel insurance plans are ideal for those who often travel within a year. It is affordable if you frequently travel as the policy is generally less expensive than insuring multiple trips individually.

Single trip travel insurance

Unlike annual travel insurance, a single trip policy covers you for a one-off holiday. The coverage period ends when you come home. You can choose which country you want to cover.

This type of policy is usually cheaper than an annual one. You are just paying for the number of days of your holidays.

However, please note the cost can add up if you go on several holidays each year and take out a single policy each time. A single policy can work out more expensive per trip compared to an annual policy.

What does annual vs single trip travel insurance cover?

Both types of travel insurance policy will typically cover:

*Note: Please note that the coverage may vary across insurers. Please check with your preferred insurance company.

Annual vs single trip travel insurance: Which one should you choose?

Annual vs Single Trip Travel Insurance

Your choice of travel insurance depends on your travel needs. Consider the number of trips and the total number of days you plan to travel for all trips in 12 months.

Annual coverage is ideal for you if you’re planning more than one trip. It is convenient to have a year-long travel insurance policy in place. You don’t need to worry about cover every time you book a flight.

However, if you are not looking forward to flying that often, you should opt for single-trip travel insurance.

Bjak is one of Malaysia’s biggest insurance comparison websites, offering policies from over 10 brands. Get your free insurance quote from Bjak today!

  • What Is Travel Inconvenience Coverage?
  • Do You Need Travel Insurance For Bus Trips?
  • What Is Travel Insurance Lifestyle Cover?

every single trip meaning

What is the difference between a Single Trip policy and a One Way policy?

A One Way policy is intended to cover 2 types of travel:

Emigrating to a country where you intend to live permanently

For Example: You're moving to Australia, permanently, but are travelling through Europe and then onto South East Asia before you arrive in Australia. You're moving to New Zealand, and are taking a direct flight. (A stopover of 48 hours anywhere in the world is included)

Returning to your home country permanently.

For Example: you've been in the UK or other EU country under a temporary working holiday visa, it has come to an end and you need cover for your flight back home.

If none of the above is applicable to you, please select Single Trip.

Please note all cover ceases upon arrival at final destination.

Big Cat Travel Insurance Services, a trading name of Flynow.com Ltd (registration No.FRN 745388)   is an Appointed Representative of Campbell Irvine Ltd (registration No.306242) who are authorised and regulated by the Financial Conduct Authority. You may check this on the Financial Services register www.fca.org.uk  or by contacting them on (0) 800 111 6768. © 2023 Big Cat Travel Insurance Services.  All rights reserved.

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List of automatically covered medical conditions that do not need to be declared

Acne, ADHD, Allergic reaction (Anaphylaxis) provided that you have not needed hospital treatment for this in the last 2 years, Allergic rhinitis, Arthritis (the affected person must be able to walk independently at home without using mobility aids), Asthma (the diagnosis must have been made when the affected person was under the age of 50, and the asthma be controlled by no more than 2 inhalers and no other medication), Blindness or partial sightedness, Carpal tunnel syndrome, Cataracts, Chicken pox - if completely resolved, Common cold or flu, Cuts and abrasions that are not self-inflicted and require no further treatment, Cystitis - provided there is no on-going treatment, Deafness, Diabetes (which is controlled by diet or tablets only), Diarrhoea and vomiting - if completely resolved, Eczema, Enlarged prostate - benign only, Essential tremor, Glaucoma, Gout, Haemorrhoids, Hay fever, Ligament or tendon injury - provided you are not currently being treated, Macular degeneration, Menopause, Migraine - provided there are no on-going investigations, Nasal polyps, PMT, RSI, Sinusitis - provided there is no on-going treatment, Skin or wound infections that have completely resolved with no current treatment, Tinnitus, Underactive Thyroid (Hypothyroidism), Urticaria, Varicose veins in the legs.

Important information

If you have a medical condition in addition to any of the automatically covered medical conditions, all conditions will be excluded from cover unless declared to the medical screening helpline.

What is classed as a medical condition?

a Any respiratory condition (relating to the lungs or breathing), heart condition, stroke, Crohn’s disease, epilepsy, allergy, or cancer for which you have ever received treatment (including surgery, tests or investigations by your doctor or a consultant/ specialist or prescribed medication).

b Any psychiatric or psychological condition (including anxiety, stress and depression) for which you have suffered which you have received medical advice or treatment or been prescribed medication for in the last five years.

c Any medical condition for which you have received surgery, in-patient treatment or investigations in a hospital or clinic within the last 12 months, or for which you are prescribed medication.

Any premium for medical screening quoted can be paid directly. This can be done either before or after taking out a policy with us. The policy and medical extension connect automatically, no reference numbers need to be exchanged.

Choosing not to declare a medical condition will not invalidate cover, but any costs incurred in relation to an undeclared condition will not be covered.

If making a declaration all medical conditions must be declared, you can't choose to only declare certain conditions.

Medical conditions can only be declared for up to 12 months at a time. A second declaration will have to be made after 12 months if necessary.

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By Briana Younger

Pop/R&B

October 5, 2017

Grief is unlike any other life experience. It is the process of feeling the spectrum of human emotion all at once: unbearable sorrow combined with profound joy to have known this person, immense love coupled with blinding anger that they’re gone. The weight of grief threatened to buckle Jhené Aiko after she lost her brother Miyagi in 2012, but she turned to music for respite. She turned to spiritual enlightenment, and she turned to drugs. Trip is the culmination of it all, hazily floating over a hefty 22 tracks.

As a concept album, Trip aims to translate the hallucinogenic highs of weed, LSD, and shrooms into sound. Befitting its length, these are highs that last for hours on end. The airiness of Aiko’s voice blends well into the spare, psychedelia-inspired productions courtesy of Dot Da Genius, Fisticuffs, and Amaire Johnson among others. Where her peers often drift towards dense electronica or hip-hop to inform their sounds and give them commercial appeal, Aiko keeps this music light and ambient, a space where she’s at her best. It’s all part of a larger multimedia project comprising an emotional short film , the album, and a forthcoming book of poetry. Aiko has completely opened herself up for this work, bravely mourning in public and exposing all the ways she tried and failed to do so in private. With that, Trip exists for its own sake and on its own terms; it’s a respectable undertaking, even if 90 minutes seems daunting. Trip is more committed to its narrative of self-discovery than churning out a hit, but there are a few potentials.

While the skating rink groove of “OLLA (Only Lovers Left Alive)” is the album’s most ostensibly pop-facing moment, the Swae Lee-assisted “ Sativa ” is the immediate standout. Lyrically, it’s a sexy party hookup anthem (“Why you make it so complicated?/Off the drink, we concentratin’/I know you won’t leave me hangin’,” goes the hook), but it ends up feeling like that moment when you’re too faded to actually complete the mission. It is bittersweet euphoria. These two tracks are some of the more dynamic within an album that can feel a bit one-note at times. It generally does well as chilled-out background music, but it’s also worthwhile as a focused listen, as some of Aiko’s most honest writing shows up here.

On “Jukai,” Aiko grapples with the concept of suicide, inspired by Japan’s Aokigahara forest. With “Nobody” and “Overstimulated,” she battles her demons of addiction. “Pop one, pop two, pop three, four pills/These things tell me how I should feel,” she sings on “Nobody,” convinced she can (or has to) handle her problems alone. “Overstimulated” captures the dizzying effects of stimulants like cocaine and Adderall, but there’s a seductive element in her lyrics that makes the high sound as fleeting as a noncommittal lover. Ultimately, all of this is built around the grief. Aiko’s constant search “for a brother’s love in every single man” ties into her hope that if she can just “get high enough,” she can reach him.

Towards the back end, the gloom begins to subside. Optimism sets in as the clarity from the trip materializes. “Sing to Me,” featuring Aiko’s daughter Namiko Love, is one of the album’s shining moments. The adoration the two share for each other is palpable as they sing back and forth—“mommy sing to me” and “Nami sing to me ”—over piano chords that, coincidentally, bring to mind Big Sean ’s “Memories.” It’s sentimental and effective; there’s nothing like the love of a child to clarify blurry visions of the future. “Frequency” is a hopeful prayer for liberation: “Free my city, freed my seed/Bless my situation, give me freedom/Bless the generation, give them mercy.” And on the rose-colored “Ascension,” Brandy’s feathery voice is a perfect complement to Aiko's. The production seems to twinkle as Aiko, “on her way to heaven,” finally makes her peace.

Trip works because it isn't just about self-medicating or journeying through a grief-ridden mind. Rather, it’s about all the places we go to escape from reality and ourselves. It's about the way vices can be found in everything from isolation to sex to outright gambling with life as we search for freedom. Aiko finds salvation in her own transparency and in the people, still alive, who give her a reason to carry on. It all comes back to sustaining the highest high that is love. Love and our insistence on it is the reason for every trip: the backdrop to all experiences, the strongest drug of all.

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The Canadian guide to annual multi-trip travel insurance

If you travel often, having to buy a new travel insurance plan every time can get costly and time-consuming. Instead, annual multi-trip travel insurance plans are a better way to cover your needs. This article tells you all about multi-trip travel insurance and why it’s likely your best bet.

every single trip meaning

What is travel insurance?

What is annual multi-trip travel insurance, how does annual multi-trip travel insurance work, what does annual multi-trip travel insurance cover, how much does annual multi-trip travel insurance cost, who can benefit most from multi-trip travel insurance.

  • Where can I buy annual multi-trip travel insurance?

Do you ever feel like some people know all the tricks to make travelling a breeze? They have packing cubes and luggage trackers. They collect travel points and know about ticket sales. They can always find a good restaurant, a SIM card, and all sorts of insider secrets.

There’s a very good chance that these savvy travellers have an annual multi-trip travel insurance policy. Well-seasoned travellers know that this kind of policy provides coverage on multiple trips throughout the year and is friendlier on their wallets than a single-trip policy.

Below, we’ll dig into what annual multi-trip travel insurance is and why it could be a good fit for you.

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Travel insurance offers a wide range of protection for travellers when they’re away from home. It can provide emergency medical coverage and some measure of protection in case of a delayed or cancelled trip. Some types of travel insurance even cover baggage loss or rental cars. And specialized super visa insurance helps cover medical emergencies for the visiting parents or grandparents of Canadian citizens and residents.

Those with travel insurance can feel safe knowing they’re protected in the event of any sort of travel hiccup. Some of the most common types of travel insurance include:

  • Travel medical insurance.  Covers any medical emergencies during your trip, including emergency dental treatment. Trip cancellation insurance.  Helps cover unexpected costs if your trip is cancelled before your departure. Trip interruption insurance.  Helps reimburse the cost of your trip if you unexpectedly have to cut your trip short after you’ve already departed.

There are many different types of Travel Insurance for students, foreign workers, snowbirds, super visa holders, and others travellers to/from/within Canada.

Why should I buy travel insurance?

Travel insurance lets you enjoy that exciting trip to Mexico without having to worry about what will happen if there’s an emergency.

While we’d all like to hope that an upcoming trip will be nothing but smooth sailing, the reality is that sometimes unexpected and unfortunate things can happen. Luggage can get lost. Flights can be delayed, forcing you to change plans. Or someone can end up in the hospital.

All of these things can cost thousands of dollars that you didn’t plan on spending. Travel insurance gives you peace of mind knowing that if something happens, you won’t be stuck footing a foreign medical bill or a last-minute hotel booking.

Does travel insurance cover multiple trips?

It can! Depending on the type of insurance you have, you can be covered for anything from a single weekend trip to multiple week-long excursions or whatever travel you have in mind.

Traditionally, when we think of travel insurance, we think of single-trip insurance. But there are other types of insurance that can better suit your needs and save you money.

For instance, you can get an annual travel plan to cover multiple trips instead of just one.

Annual multi-trip travel insurance is an insurance policy that is valid for a 12-month period of time and covers multiple trips within that timeframe.

With this type of policy, you don’t need to purchase a new policy prior to every trip. It’s a great type of travel insurance for people who travel more than a few times a year.

Multi-trip insurance spares you the hassle of buying travel insurance every single time you book a flight. This spares you from the awful last-minute panic of realizing you forgot to buy travel insurance when you’re already on the plane!

Plus, annual travel plans usually end up being cheaper than buying single-trip insurance if you take a lot of trips in one year. All in all, it’s the most convenient, affordable coverage option for those frequently on the go!

Annual multi-trip travel insurance works by providing you coverage for multiple trips you may take in a given year. When purchasing a policy, you’ll select how long you think your trips will be. In addition, you can choose the type of coverage you want as well as any add-on options (typically known as “ riders “). It’s as simple as that.

You can pick an annual plan that covers just medical treatment, or go for a multi-trip premium travel plan that gives more comprehensive coverage, including trip cancellation, baggage loss, etc. Plus, optional deductibles can help you lock in lower rates. For instance, choosing a deductible where you pay some costs upfront and the insurance provider takes care of the rest will usually lower the overall price of an annual multi-trip travel insurance policy.

There are tons of options available, so you can customize your plan based on your exact needs.

Your multi trip travel insurance coverage depends on the type of policy you chose to purchase and if your policy has any optional add-ons.

The most popular and comprehensive policies will cover:

  • Emergency medical expenses
  • Trip cancellation and interruption
  • Baggage loss, damage, or delay
  • Travel accident insurance

However, you can find policies for multi-trip travel medical, for multi-trip travel interruption, and other combinations. The coverage you have comes down to the policy you choose.

Does multi-trip cover COVID-19?

Annual travel insurance plans can cover COVID-related travel snags, but this depends on the insurance provider, public health recommendations, and your vaccination status.

For example, if you are not vaccinated against COVID-19, you might not be covered if you contract COVID and have to cancel your trip or receive medical care while travelling.

Or, if a travel advisory has been issued for the specific destination you travel to, COVID-related trip interruptions may not be covered.

However, most travel plans provide some level of coverage in the event you or your travel companion unfortunately contracts COVID and you have to quarantine.

Although COVID-related restrictions have been slowly easing, we still recommend that you confirm coverage with your insurance provider before purchasing a policy. You can also check in with the travel insurance professionals at PolicyAdvisor if you’re unsure. It can never hurt to ask first!

How many days can I travel with an annual multi-trip policy?

When buying an annual multi-trip policy, you can select the average duration of your trips to ensure the proper length of coverage.

So, if you tend to only travel for weekend trips, a policy that covers four days per trip would be great for you. If you are away from home for a week at a time, you’ll want a policy that covers seven-day trips. Or, if you travel for months on end, you should get a policy with 30 days of coverage.

Some plans can cover a maximum trip length of 180 days, so there’s bound to be coverage options for you no matter how long or short your trips are. Most policies allow you to customize the duration and purchase additional coverage for specific trips if you plan on taking a longer trip at any point throughout the year.

Be sure to chat with your advisor to figure out what type of coverage is best for you.

Annual multi-trip travel insurance lets you travel without worrying about whether you're protected if an emergency happens.

The cost of your annual multi-trip insurance is based on what kind of coverage you buy and your average trip duration. Some bare-bones policies can cost less than $50, while other, more comprehensive coverage can run upwards of $500. It completely depends on what you choose for your specific needs and expectations.

Is multi-trip travel insurance cheaper than single-trip?

If you travel more than a few times a year, purchasing a multi-trip travel insurance policy as opposed to multiple single-trip plans is a great way to save money.

For example, CAA emergency medical coverage for a single four-day trip is $22.50 and annual four-day multi-trip coverage is $45.81. So, for this coverage, if you’re planning on taking more than two four-day trips in a year, annual multi-trip coverage is cheaper.

You can expect a similar trend from most insurance providers. As a rule of thumb, you can expect single-trip travel insurance to cost 5% of your trip. Add that up several times a year and it becomes easy to see why a multi-trip plan might be easier on your wallet than individual policies.

every single trip meaning

Anyone who travels frequently can benefit most from multi-trip travel plans. Simply put, this type of travel insurance works best when it’s used to do precisely what the name describes: cover multiple trips in one year.

Multi-trip insurance is all about making it easy for frequent travellers to get as much coverage as they need without the hassle of re-applying every single time. So, if you have a few trips lined up over the course of the next 12 months, this type of plan would be a great fit for you.

The kind of travellers who may benefit most from annual multi trip insurance include:

✔️ Snowbirds

✔️ Athletes

✔️ Businesspeople

✔️ Remote workers

✔️ Families

Of course, this list isn’t exhaustive. There are tons of reasons why a multi-trip insurance policy may be the best plan for a given traveller.

Do I need multi-trip travel insurance?

It all depends on your unique circumstances. Annual travel insurance plans come with many benefits, but they aren’t for everyone.

The cost may not be worthwhile if you only take 1 or 2 quick trips per year. Or, if you travel infrequently and already have some other form of coverage, that may be perfectly adequate for your needs. For example, if you have a group travel insurance plan through your employer, and you only need to take a one-off weekend trip to the next province over, your group coverage may well work just fine.

Of course, we absolutely recommend that you still get travel insurance even for trips that are short in both duration and distance. But getting full annual multi-trip insurance may be a bit excessive for this type of travel plan.

If you’re wondering whether an annual multi-trip plan is right for you, reach out to us by chat or give us a call. We’re happy to help you assess your needs and determine what plan would work best!

Where can I buy multi-trip travel insurance?

Some of the biggest insurance companies in Canada have annual multi-trip travel plans that we can recommend, such as:

  • Allianz Global Assistance
  • 21st Century
  • Destination Canada

But you don’t have to call around looking for the best option – simply let us help! Connect with one of our travel insurance specialists to find the best annual multi-trip travel insurance policy for you and all your travel needs. Bon voyage!

  • Annual multi-trip travel insurance is a great way for frequent travellers to save money
  • Annual travel insurance plans can cover trips from 4 days to 180 days
  • Coverage can be basic or comprehensive, and you can choose your deductibles

Find this informative? Share it with someone you care about.

The information above is intended for informational purposes only and is based on PolicyAdvisor’s own views, which are subject to change without notice. This content is not intended and should not be construed to constitute financial or legal advice. PolicyAdvisor accepts no responsibility for the outcome of people choosing to act on the information contained on this website. PolicyAdvisor makes every effort to include updated, accurate information. The above content may not include all terms, conditions, limitations, exclusions, termination, and other provisions of the policies described, some of which may be material to the policy selection. Please refer to the actual policy documents for complete details. In case of any discrepancy, the language in the actual policy documents will prevail. All rights reserved.

If something in this article needs to be corrected, updated, or removed, let us know. Email  [email protected] .

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every single trip meaning

StarsInsider

StarsInsider

The welcome signs of every US state (and their meaning)

Posted: January 20, 2024 | Last updated: January 22, 2024

<p>Welcome signs serve as indicators of having crossed state lines. They are also important tools in marketing a state to visitors. Some US states have really interesting signage; many feature <a href="https://www.starsinsider.com/lifestyle/220309/the-surprising-history-behind-every-state-nickname" rel="noopener">nicknames</a> and slogans, and also make reference to the region's unique landmarks and visitor attractions. So, how do you want to be greeted? </p> <p>In this gallery you'll find the welcome signs for all 50 US states, and the meaning behind them. Click on. </p><p>You may also like:<a href="https://www.starsinsider.com/n/102559?utm_source=msn.com&utm_medium=display&utm_campaign=referral_description&utm_content=572689en-en"> Danger Will Robinson! Le attrazioni turistiche più pericolose al mondo</a></p>

Welcome signs serve as indicators of having crossed state lines. They are also important tools in marketing a state to visitors. Some US states have really interesting signage; many feature nicknames and slogans, and also make reference to the region's unique landmarks and visitor attractions. So, how do you want to be greeted? 

In this gallery you'll find the welcome signs for all 50 US states, and the meaning behind them. Click on. 

You may also like: Danger Will Robinson! Le attrazioni turistiche più pericolose al mondo

<p>Alabama state's welcome sign makes reference to the 1974 song 'Sweet Home Alabama' by southern rock band Lynyrd Skynyrd.</p><p><a href="https://www.msn.com/en-us/community/channel/vid-7xx8mnucu55yw63we9va2gwr7uihbxwc68fxqp25x6tg4ftibpra?cvid=94631541bc0f4f89bfd59158d696ad7e">Follow us and access great exclusive content every day</a></p>

Alabama state's welcome sign makes reference to the 1974 song 'Sweet Home Alabama' by southern rock band Lynyrd Skynyrd.

<p>This Alaska welcome sign features a map as well as a refence to the Klondike-Alaska Gold Rush. The state is home to a plethora of natural wonders, including the historic Fortymile River Region and Denali, the tallest mountain in North America.</p><p>You may also like:<a href="https://www.starsinsider.com/n/164853?utm_source=msn.com&utm_medium=display&utm_campaign=referral_description&utm_content=572689en-en"> These actors were heartthrobs in their youth </a></p>

This Alaska welcome sign features a map as well as a refence to the Klondike-Alaska Gold Rush. The state is home to a plethora of natural wonders, including the historic Fortymile River Region and Denali, the tallest mountain in North America.

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<p>The 48th state is known for the majestic Grand Canyon, and its welcome sign reflects that. Around five million people visit this natural wonder each year.</p><p><a href="https://www.msn.com/en-us/community/channel/vid-7xx8mnucu55yw63we9va2gwr7uihbxwc68fxqp25x6tg4ftibpra?cvid=94631541bc0f4f89bfd59158d696ad7e">Follow us and access great exclusive content every day</a></p>

The 48th state is known for the majestic Grand Canyon, and its welcome sign reflects that. Around five million people visit this natural wonder each year.

<p>Arkansas is the only state where diamonds are actively mined. Arkansas state law requires all front seat passengers to wear seatbelts (as well as those under 16 in all seats), hence the slogan. </p><p>You may also like:<a href="https://www.starsinsider.com/n/189437?utm_source=msn.com&utm_medium=display&utm_campaign=referral_description&utm_content=572689en-en"> Weird food Aussies eat that leave the rest of the world dumbfounded </a></p>

Arkansas is the only state where diamonds are actively mined. Arkansas state law requires all front seat passengers to wear seatbelts (as well as those under 16 in all seats), hence the slogan. 

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<p>This sign features California golden poppies, one of the natural symbols of The Golden State.</p><p><a href="https://www.msn.com/en-us/community/channel/vid-7xx8mnucu55yw63we9va2gwr7uihbxwc68fxqp25x6tg4ftibpra?cvid=94631541bc0f4f89bfd59158d696ad7e">Follow us and access great exclusive content every day</a></p>

This sign features California golden poppies, one of the natural symbols of The Golden State.

<p>Colorful Colorado is home to magnificent scenery, including hot springs, mountains, and the tallest sand dune in America. </p><p>You may also like:<a href="https://www.starsinsider.com/n/217858?utm_source=msn.com&utm_medium=display&utm_campaign=referral_description&utm_content=572689en-en"> The most radical celebrity transformations </a></p>

Colorful Colorado is home to magnificent scenery, including hot springs, mountains, and the tallest sand dune in America. 

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<p>The state where you'll find Mark Twain's house and one of the world's largest maritime museums is full of surprises, according to the slogan. </p><p><a href="https://www.msn.com/en-us/community/channel/vid-7xx8mnucu55yw63we9va2gwr7uihbxwc68fxqp25x6tg4ftibpra?cvid=94631541bc0f4f89bfd59158d696ad7e">Follow us and access great exclusive content every day</a></p>

Connecticut

The state where you'll find Mark Twain's house and one of the world's largest maritime museums is full of surprises, according to the slogan. 

<p>The bug of the First State is the ladybug, which can also be called a "small wonder."</p><p>You may also like:<a href="https://www.starsinsider.com/n/246846?utm_source=msn.com&utm_medium=display&utm_campaign=referral_description&utm_content=572689en-en"> These gorgeous actresses are in their 70s and beyond </a></p>

The bug of the First State is the ladybug, which can also be called a "small wonder."

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<p>Florida is known as the Sunshine State. The sign attempts to capture what Florida is about—sun and palm trees! P.S. The sun might just be an orange, which would also make sense given that Florida produces around 70% of the country's citrus fruits. </p><p><a href="https://www.msn.com/en-us/community/channel/vid-7xx8mnucu55yw63we9va2gwr7uihbxwc68fxqp25x6tg4ftibpra?cvid=94631541bc0f4f89bfd59158d696ad7e">Follow us and access great exclusive content every day</a></p>

Florida is known as the Sunshine State. The sign attempts to capture what Florida is about—sun and palm trees! P.S. The sun might just be an orange, which would also make sense given that Florida produces around 70% of the country's citrus fruits. 

<p>Georgia's welcome sign makes reference to Hoagy Carmichael's and Stuart Gorrell's 1930 song 'Georgia on My Mind,' which was successfully covered by Ray Charles in 1960.</p><p>You may also like:<a href="https://www.starsinsider.com/n/261671?utm_source=msn.com&utm_medium=display&utm_campaign=referral_description&utm_content=572689en-en"> Celebs reveal the stories behind their stage names</a></p>

Georgia's welcome sign makes reference to Hoagy Carmichael's and Stuart Gorrell's 1930 song 'Georgia on My Mind,' which was successfully covered by Ray Charles in 1960.

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<p>The Aloha state doesn't have an official state sign, but there are a few signs spread out across the islands, like this one welcoming visitors to the historic town of Hana.</p><p><a href="https://www.msn.com/en-us/community/channel/vid-7xx8mnucu55yw63we9va2gwr7uihbxwc68fxqp25x6tg4ftibpra?cvid=94631541bc0f4f89bfd59158d696ad7e">Follow us and access great exclusive content every day</a></p>

The Aloha state doesn't have an official state sign, but there are a few signs spread out across the islands, like this one welcoming visitors to the historic town of Hana.

<p>Idaho is known as the Gem State because it's home to a number of different minerals. The slogan is also used as a figurative expression for Idaho's natural beauty. </p><p>You may also like:<a href="https://www.starsinsider.com/n/286504?utm_source=msn.com&utm_medium=display&utm_campaign=referral_description&utm_content=572689en-en"> Fascinating facts you didn’t know about Disney parks</a></p>

Idaho is known as the Gem State because it's home to a number of different minerals. The slogan is also used as a figurative expression for Idaho's natural beauty. 

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<p>Fun fact: Despite the slogan, Abraham Lincoln was not actually born in Illinois. The former US president did however call Illinois home, having moved to Springfield at age 21.</p><p><a href="https://www.msn.com/en-us/community/channel/vid-7xx8mnucu55yw63we9va2gwr7uihbxwc68fxqp25x6tg4ftibpra?cvid=94631541bc0f4f89bfd59158d696ad7e">Follow us and access great exclusive content every day</a></p>

Fun fact: Despite the slogan, Abraham Lincoln was not actually born in Illinois. The former US president did however call Illinois home, having moved to Springfield at age 21.

<p>Indiana's welcome sign makes reference to the state's location at the junction of four major Interstate Highways. </p><p>You may also like:<a href="https://www.starsinsider.com/n/295349?utm_source=msn.com&utm_medium=display&utm_campaign=referral_description&utm_content=572689en-en"> The most extravagant treasures ever found</a></p>

Indiana's welcome sign makes reference to the state's location at the junction of four major Interstate Highways. 

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<p>The state slogan was launched in 1999 but as of 2023 it's being phased out and replaced with a new 'Iowa, Freedom to Flourish' sign. </p><p><a href="https://www.msn.com/en-us/community/channel/vid-7xx8mnucu55yw63we9va2gwr7uihbxwc68fxqp25x6tg4ftibpra?cvid=94631541bc0f4f89bfd59158d696ad7e">Follow us and access great exclusive content every day</a></p>

The state slogan was launched in 1999 but as of 2023 it's being phased out and replaced with a new 'Iowa, Freedom to Flourish' sign. 

<p>Kansas' welcome sign features a sunflower, which is the official <a href="https://www.starsinsider.com/lifestyle/195531/keep-america-weird-strangest-facts-about-each-state" rel="noopener">state</a> flower.</p><p>You may also like:<a href="https://www.starsinsider.com/n/306032?utm_source=msn.com&utm_medium=display&utm_campaign=referral_description&utm_content=572689en-en"> The world's most incredible historic gold artifacts</a></p>

Kansas' welcome sign features a sunflower, which is the official state flower.

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<p>Illinois may be "The Land of Lincoln," but Kentucky was the US president's birthplace. The state welcome sign also makes reference to the famous horse race, the Kentucky Derby.</p><p><a href="https://www.msn.com/en-us/community/channel/vid-7xx8mnucu55yw63we9va2gwr7uihbxwc68fxqp25x6tg4ftibpra?cvid=94631541bc0f4f89bfd59158d696ad7e">Follow us and access great exclusive content every day</a></p>

Illinois may be "The Land of Lincoln," but Kentucky was the US president's birthplace. The state welcome sign also makes reference to the famous horse race, the Kentucky Derby.

<p>The state welcome sign can be read in both English and French, due to Louisiana's bilingual heritage. </p><p>You may also like:<a href="https://www.starsinsider.com/n/359973?utm_source=msn.com&utm_medium=display&utm_campaign=referral_description&utm_content=572689en-en"> The world's most beautiful flower fields to visit</a></p>

The state welcome sign can be read in both English and French, due to Louisiana's bilingual heritage. 

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<p>The Pine Tree State is the go-to place for lobster. Maine's slogan used to be 'Vacationland.'</p><p><a href="https://www.msn.com/en-us/community/channel/vid-7xx8mnucu55yw63we9va2gwr7uihbxwc68fxqp25x6tg4ftibpra?cvid=94631541bc0f4f89bfd59158d696ad7e">Follow us and access great exclusive content every day</a></p>

The Pine Tree State is the go-to place for lobster. Maine's slogan used to be 'Vacationland.'

<p>The state welcome sign features the state flag as well as the state flower, the black-eyed Susan.</p><p>You may also like:<a href="https://www.starsinsider.com/n/410687?utm_source=msn.com&utm_medium=display&utm_campaign=referral_description&utm_content=572689en-en"> Surprising uses for apple cider vinegar</a></p>

The state welcome sign features the state flag as well as the state flower, the black-eyed Susan.

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<p>The Massachusetts welcome sign sports two symbols of the state: the chickadee and the mayflower.</p><p><a href="https://www.msn.com/en-us/community/channel/vid-7xx8mnucu55yw63we9va2gwr7uihbxwc68fxqp25x6tg4ftibpra?cvid=94631541bc0f4f89bfd59158d696ad7e">Follow us and access great exclusive content every day</a></p>

Massachusetts

The Massachusetts welcome sign sports two symbols of the state: the chickadee and the mayflower.

<p>Michigan's amazing shoreline attracts visitors and locals alike, keen to experience the Great Lakes. </p><p>You may also like:<a href="https://www.starsinsider.com/n/438306?utm_source=msn.com&utm_medium=display&utm_campaign=referral_description&utm_content=572689en-en"> Amber Tamblyn, David Cross share how couples therapy helped both on- and off-screen</a></p>

Michigan's amazing shoreline attracts visitors and locals alike, keen to experience the Great Lakes. 

You may also like: Amber Tamblyn, David Cross share how couples therapy helped both on- and off-screen

<p>This arty welcome sign was created by University of Minnesota students. </p><p><a href="https://www.msn.com/en-us/community/channel/vid-7xx8mnucu55yw63we9va2gwr7uihbxwc68fxqp25x6tg4ftibpra?cvid=94631541bc0f4f89bfd59158d696ad7e">Follow us and access great exclusive content every day</a></p>

This arty welcome sign was created by University of Minnesota students. 

<p>The state welcome sign makes reference to the Mississippi Delta, the birthplace of Blues and therefore the "Birthplace of America's Music."</p><p>You may also like:<a href="https://www.starsinsider.com/n/464771?utm_source=msn.com&utm_medium=display&utm_campaign=referral_description&utm_content=572689en-en"> Actors who didn't live to see their final films</a></p>

Mississippi

The state welcome sign makes reference to the Mississippi Delta, the birthplace of Blues and therefore the "Birthplace of America's Music."

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<p>The first journalism degree in the world was offered by the University of Missouri. Missouri has a lot of neighbor states. In fact, eight in all. </p><p><a href="https://www.msn.com/en-us/community/channel/vid-7xx8mnucu55yw63we9va2gwr7uihbxwc68fxqp25x6tg4ftibpra?cvid=94631541bc0f4f89bfd59158d696ad7e">Follow us and access great exclusive content every day</a></p>

The first journalism degree in the world was offered by the University of Missouri. Missouri has a lot of neighbor states. In fact, eight in all. 

<p>Montana' state welcome sign features a mountain, a reference to the natural beauty of its landscape. </p><p>You may also like:<a href="https://www.starsinsider.com/n/489980?utm_source=msn.com&utm_medium=display&utm_campaign=referral_description&utm_content=572689en-en"> Foods that help thin the arteries</a></p>

Montana' state welcome sign features a mountain, a reference to the natural beauty of its landscape. 

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<p>Arbor Day was founded in Nebraska, hence the reference.  </p><p><a href="https://www.msn.com/en-us/community/channel/vid-7xx8mnucu55yw63we9va2gwr7uihbxwc68fxqp25x6tg4ftibpra?cvid=94631541bc0f4f89bfd59158d696ad7e">Follow us and access great exclusive content every day</a></p>

Arbor Day was founded in Nebraska, hence the reference.  

<p>The driest state in America is also the Silver State. A reference to the historical silver rush days features on the state welcome sign. </p><p>You may also like:<a href="https://www.starsinsider.com/n/493533?utm_source=msn.com&utm_medium=display&utm_campaign=referral_description&utm_content=572689en-en"> Celebrity kids who have dated other celebrity kids</a></p>

The driest state in America is also the Silver State. A reference to the historical silver rush days features on the state welcome sign. 

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<p>One of the 13 colonies to declare independence from England, New Hampshire emphasizes the importance of freedom in its sign. The French <em>Bienvenue</em> is aimed at the many Canadians who visit the state.</p><p><a href="https://www.msn.com/en-us/community/channel/vid-7xx8mnucu55yw63we9va2gwr7uihbxwc68fxqp25x6tg4ftibpra?cvid=94631541bc0f4f89bfd59158d696ad7e">Follow us and access great exclusive content every day</a></p>

New Hampshire

One of the 13 colonies to declare independence from England, New Hampshire emphasizes the importance of freedom in its sign. The French Bienvenue is aimed at the many Canadians who visit the state.

<p>The Garden State earned its name because the state's economy was once mostly based on agriculture.  </p>

The Garden State earned its name because the state's economy was once mostly based on agriculture.  

<p>New Mexico's colorful welcome sign makes reference to the state flag colors, as well as its agriculture, illustrated by red and green chilies.</p><p><a href="https://www.msn.com/en-us/community/channel/vid-7xx8mnucu55yw63we9va2gwr7uihbxwc68fxqp25x6tg4ftibpra?cvid=94631541bc0f4f89bfd59158d696ad7e">Follow us and access great exclusive content every day</a></p>

New Mexico's colorful welcome sign makes reference to the state flag colors, as well as its agriculture, illustrated by red and green chilies.

<p>The nickname "The Empire State" dates back all the way to 1785. George Washington described New York "the Seat of the Empire" in a letter to the New York Common Council.</p>

The nickname "The Empire State" dates back all the way to 1785. George Washington described New York "the Seat of the Empire" in a letter to the New York Common Council.

<p>North Carolina takes great pride in its military and veterans communities, and this is reflected on the state's welcome sign. </p><p><a href="https://www.msn.com/en-us/community/channel/vid-7xx8mnucu55yw63we9va2gwr7uihbxwc68fxqp25x6tg4ftibpra?cvid=94631541bc0f4f89bfd59158d696ad7e">Follow us and access great exclusive content every day</a></p>

North Carolina

North Carolina takes great pride in its military and veterans communities, and this is reflected on the state's welcome sign. 

<p>North Dakota has different signs, depending on where you enter the state. This one makes reference to the Red River Valley region. </p>

North Dakota

North Dakota has different signs, depending on where you enter the state. This one makes reference to the Red River Valley region. 

<p>The Buckeye State keeps it simple with this sign. Ohio is the birthplace of seven United States presidents.</p><p><a href="https://www.msn.com/en-us/community/channel/vid-7xx8mnucu55yw63we9va2gwr7uihbxwc68fxqp25x6tg4ftibpra?cvid=94631541bc0f4f89bfd59158d696ad7e">Follow us and access great exclusive content every day</a></p>

The Buckeye State keeps it simple with this sign. Ohio is the birthplace of seven United States presidents.

<p>Oklahoma is one of the states with the largest population of Native Americans. It's also home to the National Cowboy & Western Heritage Museum.</p>

Oklahoma is one of the states with the largest population of Native Americans. It's also home to the National Cowboy & Western Heritage Museum.

<p>This sign can be found on Interstate 5, when travelling from California to Oregon. It alludes to the state's lush forests.</p><p><a href="https://www.msn.com/en-us/community/channel/vid-7xx8mnucu55yw63we9va2gwr7uihbxwc68fxqp25x6tg4ftibpra?cvid=94631541bc0f4f89bfd59158d696ad7e">Follow us and access great exclusive content every day</a></p>

This sign can be found on Interstate 5, when travelling from California to Oregon. It alludes to the state's lush forests.

<p>The slogan on the state's welcome sign was added in 2004. It's a reminder of Pennsylvania's importance in American history, including the signing of the Declaration of Independence in 1776.</p>

Pennsylvania

The slogan on the state's welcome sign was added in 2004. It's a reminder of Pennsylvania's importance in American history, including the signing of the Declaration of Independence in 1776.

<p>The Ocean State is a popular destinations for those looking to enjoy activities such as sailing, fishing, and surfing. </p><p><a href="https://www.msn.com/en-us/community/channel/vid-7xx8mnucu55yw63we9va2gwr7uihbxwc68fxqp25x6tg4ftibpra?cvid=94631541bc0f4f89bfd59158d696ad7e">Follow us and access great exclusive content every day</a></p>

Rhode Island

The Ocean State is a popular destinations for those looking to enjoy activities such as sailing, fishing, and surfing. 

<p>"Smiling Faces, Beautiful Places" is what one expects to find in the Palmetto State.</p>

South Carolina

"Smiling Faces, Beautiful Places" is what one expects to find in the Palmetto State.

<p>The state welcome sign makes reference to its iconic landmark, Mount Rushmore, where the faces of US presidents George Washington, Thomas Jefferson, Theodore Roosevelt, and Abraham Lincoln, can be found sculpted in rock. </p><p><a href="https://www.msn.com/en-us/community/channel/vid-7xx8mnucu55yw63we9va2gwr7uihbxwc68fxqp25x6tg4ftibpra?cvid=94631541bc0f4f89bfd59158d696ad7e">Follow us and access great exclusive content every day</a></p>

South Dakota

The state welcome sign makes reference to its iconic landmark, Mount Rushmore, where the faces of US presidents George Washington, Thomas Jefferson, Theodore Roosevelt, and Abraham Lincoln, can be found sculpted in rock. 

<p>The slogan on the state's sign is a reference to the War of 1812, when thousands of Tennessee men volunteered to fight the British.</p>

The slogan on the state's sign is a reference to the War of 1812, when thousands of Tennessee men volunteered to fight the British.

<p>Everything is bigger in Texas, including the state's reminder to drive responsibly as one crosses state lines. </p><p><a href="https://www.msn.com/en-us/community/channel/vid-7xx8mnucu55yw63we9va2gwr7uihbxwc68fxqp25x6tg4ftibpra?cvid=94631541bc0f4f89bfd59158d696ad7e">Follow us and access great exclusive content every day</a></p>

Everything is bigger in Texas, including the state's reminder to drive responsibly as one crosses state lines. 

<p>Utah is home to amazing scenery, a fact reflected in the state's welcome sign. Zion National Park, Arches National Park, and Bryce Canyon National Park, are some of the state's most popular destinations. </p>

Utah is home to amazing scenery, a fact reflected in the state's welcome sign. Zion National Park, Arches National Park, and Bryce Canyon National Park, are some of the state's most popular destinations. 

<p>Vermont's welcome sign is a good example of the image matching the slogan. Want to convey green mountains? You got it.</p><p><a href="https://www.msn.com/en-us/community/channel/vid-7xx8mnucu55yw63we9va2gwr7uihbxwc68fxqp25x6tg4ftibpra?cvid=94631541bc0f4f89bfd59158d696ad7e">Follow us and access great exclusive content every day</a></p>

Vermont's welcome sign is a good example of the image matching the slogan. Want to convey green mountains? You got it.

<p>Virginia's welcome sign features both the state's bird and the state's flower, i.e. the cardinal and the American dogwood.</p>

Virginia's welcome sign features both the state's bird and the state's flower, i.e. the cardinal and the American dogwood.

<p>The only state that is named after a president is also known as The Evergreen State, because of its verdant scenery.  </p><p><a href="https://www.msn.com/en-us/community/channel/vid-7xx8mnucu55yw63we9va2gwr7uihbxwc68fxqp25x6tg4ftibpra?cvid=94631541bc0f4f89bfd59158d696ad7e">Follow us and access great exclusive content every day</a></p>

The only state that is named after a president is also known as The Evergreen State, because of its verdant scenery.  

<p>The slogan "Wild and Wonderful" was added to the state's welcome signs in 2007. It encapsulates what West Virginia is all about. </p>

West Virginia

The slogan "Wild and Wonderful" was added to the state's welcome signs in 2007. It encapsulates what West Virginia is all about. 

<p>These rustic-looking Wisconsin welcome signs are made from redwood. The logs mention "Recreation," "Industry," and "Agriculture."</p><p><a href="https://www.msn.com/en-us/community/channel/vid-7xx8mnucu55yw63we9va2gwr7uihbxwc68fxqp25x6tg4ftibpra?cvid=94631541bc0f4f89bfd59158d696ad7e">Follow us and access great exclusive content every day</a></p>

These rustic-looking Wisconsin welcome signs are made from redwood. The logs mention "Recreation," "Industry," and "Agriculture."

<p>Wyoming's welcome sign includes the slogan "Forever West." Home to Yellowstone National Park, among other attractions, it's easy to see how the untamed wilderness of the state attracts visitors. </p> <p>Sources: (Reader's Digest) (Condé Nast Traveler) (Next Luxury) (New-York Historical Society) </p> <p>See also: <a href="https://www.starsinsider.com/food/552499/the-favorite-comfort-food-of-every-us-state">The favorite comfort food of every US state</a></p>

Wyoming's welcome sign includes the slogan "Forever West." Home to Yellowstone National Park, among other attractions, it's easy to see how the untamed wilderness of the state attracts visitors. 

Sources: (Reader's Digest) (Condé Nast Traveler) (Next Luxury) (New-York Historical Society) 

See also: The favorite comfort food of every US state

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‘I wasn’t built to work 9 to 5 every single day’: These Gen Z bosses introduced slump hour, siestas, chilled one-to-ones, and flattened structures because they’re tired of formal corporate customs

Shot of a young businesswoman sleeping at her desk in an office

While some might scoff at young staff’s aversion to a rigid working pattern , a glance to anthropology might prove Gen Z has a point when they complain about traditional workplace schedules.

Sleep experts, for example, are concerned about the impact of forcing a human to wake up at a certain time—and subsequently back to sleep—as opposed to allowing a person’s body clock to synchronize with natural daylight hours.

When an employee gets to work, science also suggests individuals can’t concentrate nonstop.

In her book “ Attention Span : A Groundbreaking Way to Restore Balance, Happiness and Productivity,” Gloria Mark, a professor of informatics at the University of California, outlines that in 2004 her research into average attention span found humans could focus on a screen for approximately two-and-a-half minutes.

“Some years later, we found attention spans to be about 75 seconds. Now we find people can only pay attention to one screen for an average of 47 seconds,” she told CNN .

It’s unsurprising, then, that a survey of 10,000 employees found that 45% of workers tasked with an eight-hour day actually work just half of that, spending the rest of their time surfing the internet, scrolling social media, or making a coffee.

These findings might have hit upon a notion Gen Z has been trying to explain to their cross-generational peers .

Young bosses told Fortune they’re “wired differently” after growing up in a Western world where avoiding screens, smartphones, and social media is virtually impossible.

However, the foundations of today’s global economy are built on traditional, corporate careers where labor logs on and clocks out day in, day out.

To allow complete flexibility of workforces could make forecasting impossible, productivity more difficult to measure, and cause friction in communication.

The Gen Z founders Fortune spoke to want to meet somewhere in the middle: building businesses where everyone is focused on an ultimate ambition, but have the autonomy within that to form their working days.

‘This cannot be the concept any longer’

While Australian founder Milly Bannister’s TikTok page is full of fun, tongue-in-cheek takes on being a Gen Z entrepreneur, the 27-year-old’s platform acts as a segue into her life-changing work.

Bannister leads a team of five out of Sydney and runs the charity ALLKND.

Her organization is working to prevent the number of youth suicides in Australia, where 350 people ages 18 to 24 take their lives every year —more than the number of people who die on the road.

@millyrosebannister Replying to @Andy Nieves Part 2 💀 #genz #boss #workplace #taylorswift #taylorsversion #midnightstaylorswift #australia ♬ original sound – MILZ

While content creation is a useful opener for Bannister, helping those battling with mental health is her “purpose.”

Her insight into the struggles facing Gen Z pushed her to roll out policies in her own organization that support individual well-being.

For Bannister it may be something as simple as not scheduling meetings immediately after lunch. “We call it ‘slump hour,’” she tells Fortune in a video interview.

This flexibility extends throughout the working day. Sometimes she takes a siesta in the middle of the afternoon, eats a square meal, and then sits back down at her laptop and works into the night.

“Especially as a mental health org it’s like: ‘What do you need to be able to function your best?’” Bannister said.

“If you need to go home and then punch something out at 11 p.m. after you’ve had a four-hour nap, go for it. As long as the work gets done it doesn’t matter to me.

“I was not made to work 9 to 5 every single day, I cannot focus for that long. This cannot be the concept any longer. It needs to be more flexible than that,” Bannister added.

Using the corporate ladder for firewood

While many in the workforce may have felt the same, not all have had the opportunity to change the way they work.

Bannister says that she and her Gen Z peers are willing to scrap the corporate ladder entirely if it means building a structure that works for them.

The difference between Gen Z and their predecessors, Bannister added, is the largest the workforce has ever encountered.

She reasoned: “We are the first generation to grow up online and our brains, as a result of that, are wired completely differently. The way that we learn and participate in society and communicate with each other is completely different.”

This is an area where fellow founder Jenk Oz comes in, courtesy of his news and culture website Thred, and its adjoining full-service media and consulting branch.

Oz, 18, launched the London-based business when he was just 15 to give a platform to the news his peers truly wanted to see—whether it’s tech, culture, style, hustles, or change-makers.

His insight—and his site’s 350,000 page views a month—led the likes of Microsoft and Ford to get in touch, asking for advice on how to engage with his generation.

One of the earliest members of Google’s Gen Z council, Oz has still sought to get experienced talent on board—hiring his Goldman Sachs and UBS-alum mom as CFO to help lead the staff of 34.

As well as shaking up the boardroom courtesy of close familial relationships, Oz also isn’t interested in being someone’s “boss.”

As he looks across his office while chatting to Fortune , he claims any bystander would be unable to tell which individuals held senior roles.

“There’s this whole onslaught of companies being run by Gen Z,” Oz said. “Gen Z runs people like they would like to be run. Because there are so many Gen Z creators, they’re able to lay the foundation from the bottom up as opposed to changing the traditional workplace.

“There’s a desire to be heard on a higher frequency and better quality level. This idea of having a quarterly or twice-yearly meeting about how you’re doing doesn’t really work with Gen Z.”

As a result, Oz sits down with his team members on a casual basis weekly, encourages them to work flexibly, and to see him as a sounding board as opposed to a founder.

“I’ve had conversations with people and said, ‘Oh, do you want to show your manager?’ And they’re like: ‘No, I’m a bit scared of them. I can’t really talk to them,’” Oz recalls. “That’s so bizarre to me. I really want to change that and get rid of any hierarchies.”

Why reach the summit?

Another issue Gen Z has with the corporate 9-to-5 is that social media transparency has lifted the lid on the reality, and they don’t like what’s underneath.

As Meagan Loyst, the 1997-born founder of investment community GenZ VCs, puts it, “The corporate content most widely being shared [on social media] at the moment is layoffs,” where individuals are posting the moment they’re called onto Zoom to be told their contract is terminated.

Already primed for corporate disillusion thanks to the pandemic, Gen Zers are watching not only people their age be let go, but also peers senior to them who have spent decades with a company.

There are two responses to this, says Loyst. The first: “You pair that with the troubles globally, cost of living, and you just question: ‘Why do we even bother? I’m just going to take the job that gives me the most money and the best work-life balance and go from there.’”

The second, and Loyst’s camp: “I’m going to do as much as I possibly can so that I can own my future.”

Disillusion with work—or as some may see it, a work-shy tendency — isn’t a fair stereotype to brand across all young talent, the founders feel.

As Oz puts it, “It’s very easy to generalize Gen Z, but no generation is a monolith. Gen Z, of all generations, is clumped into a group and generalized massively. It’s borderline frustrating.”

Peers have “grouped 14- to 27-year-olds together,” Oz adds, but said this is a problem because “kids in their GSCE year (ages 15–16) are very different and work different levels of hard…to someone who’s in their A-Levels (ages 17–18), or their gap year, or their first year of university. Every couple of years you hit a different milestone.”

And while “there are lazy people within them—I’m by no means saying people aren’t lazy—what’s annoying is that especially at our age there are different milestones, and that will massively change,” he explained.

“ On a fiscal level it changes who you live with , whether you’re paying rent, your education level, spending priorities—all those things massively change. So these misconceptions of being lazy and having no sense of direction is generally quite unfair.”

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Watch CBS News

How to travel around the Francis Scott Key Bridge collapse in Baltimore: A look at the traffic impact and alternate routes

By Rohan Mattu

Updated on: March 27, 2024 / 7:50 PM EDT / CBS Baltimore

BALTIMORE -- The collapse of the Francis Scott Key Bridge in Baltimore early Tuesday  led to a major traffic impact for the region and cut off a major artery into and out of the port city. 

A bridge column was hit by a large container ship around 1:30 a.m., sending bridge workers and vehicles into the Patapsco River. A water search for six missing workers turned to a recovery effort Tuesday night.

Drivers are told to prepare for extra commuting time until further notice.

Locator map showing the typical traffic routes of cargo vessels passing beneath the bridge and the trajectory Dali followed prior to the allision.

Alternate routes after Francis Scott Key Bridge collapse

Maryland transit authorities quickly put detours in place for those traveling through Dundalk or the Curtis Bay/Hawkins Point side of the bridge. The estimated 31,000 who travel the bridge every day will need to find a new route for the foreseeable future. 

The outer loop I-695 closure shifted to exit 1/Quarantine Road (past the Curtis Creek Drawbridge) to allow for enhanced local traffic access. 

The inner loop of I-695 remains closed at MD 157 (Peninsula Expressway). Additionally, the ramp from MD 157 to the inner loop of I-695 will be closed. 

Alternate routes are I-95 (Fort McHenry Tunnel) or I-895 (Baltimore Harbor Tunnel) for north/south routes. 

Commercial vehicles carrying materials that are prohibited in the tunnel crossings, including recreation vehicles carrying propane, should plan on using I-695 (Baltimore Beltway) between Essex and Glen Burnie. This will add significant driving time.   

10.jpg

Where is the Francis Scott Key Bridge? 

The Key Bridge crosses the Patapsco River, a key waterway that along with the Port of Baltimore serves as a hub for East Coast shipping. 

The bridge is the outermost of three toll crossings of Baltimore's Harbor and the final link in Interstate 695, known in the region as the Baltimore Beltway, which links Baltimore and Washington, D.C. 

The bridge was built after the Baltimore Harbor Tunnel reached capacity and experienced heavy congestion almost daily, according to the MDTA. 

Tractor-trailer inspections

Tractor-trailers that now have clearance to use the tunnels will need to be checked for hazardous materials, which are not permitted in tunnels, and that could further hold up traffic. 

The MDTA says vehicles carrying bottled propane gas over 10 pounds per container (maximum of 10 containers), bulk gasoline, explosives, significant amounts of radioactive materials, and other hazardous materials are prohibited from using the Fort McHenry Tunnel (I-95) or the Baltimore Harbor Tunnel (I-895).  

Any vehicles transporting hazardous materials should use the western section of I-695 around the tunnels, officials said. 

Rohan Mattu is a digital producer at CBS News Baltimore. Rohan graduated from Towson University in 2020 with a degree in journalism and previously wrote for WDVM-TV in Hagerstown. He maintains WJZ's website and social media, which includes breaking news in everything from politics to sports.

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  7. Complete Solo Travel Guide: How to Travel Alone Like a Pro

    SOLO TRAVEL MEANING. The definition of 'solo travel' is simple - it describes all the trips and travels on which one embarks completely alone, without having a single travel companion. A person decides to travel single, chooses a particular destination or trip itinerary alone and books the flight or train tickets and accommodation on her ...

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  17. The Ultimate Guide to Planning a Solo Trip: 20 Tips You Need

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  23. The welcome signs of every US state (and their meaning)

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  24. 'I wasn't built to work 9-to-5 every single day': These Gen Z bosses

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  25. How to travel around the Francis Scott Key Bridge collapse in Baltimore

    The estimated 31,000 who travel the bridge every day will need to find a new route for the foreseeable future. The outer loop I-695 closure shifted to exit 1/Quarantine Road (past the Curtis Creek ...