Travel Insurance For Couples

Is there any better feeling than leaving life's stresses behind and jetting off for a relaxing break with your partner? Whether you and your beau like to relax by the pool in Spain or take to the piste in Switzerland, purchasing a travel insurance policy is just as important as packing your passport.

If you are travelling with your other half, it's not just amazing memories you get to share with each other, you can also share a travel insurance policy. A couples travel insurance policy may be a budget-friendly alternative to separate policies, meaning you could have more money to spend on cocktails and calamari.

What is couples travel insurance?

Couples travel insurance is a joint policy that covers both you and your partner on your travels. It can work out cheaper than buying two separate policies and may take some of the hassle out of making a claim (should you need to), as you will only need to deal with one insurance provider.

When getting a joint travel insurance policy, you and your partner will usually be offered the same amount of cover, this means both of you would stand to get the same amount of pay-out should you make a claim.

Do we have to travel together?

You don't need to be joined at the hip to benefit from a joint travel insurance policy. Many policies will allow you to travel separately, but as always, it's important to check the policy details before purchase.

Do we have to live together?

Yes - to qualify for couples travel insurance, you both need to be 18 or over, be in a relationship and live at the same address. However, you don't have to be married to get couples travel insurance.

What does travel insurance cover?

There are several situations most insurance policies will cover you for, prior to and during your trip:

Medical expenses

This will normally help towards covering the costs of medical treatment you may need if you get ill or injured on holiday, and repatriation if you need to be flown home to the UK. Without travel insurance, you could incur huge bills which you may not be able to afford to pay.

Cancellation of your trip

If you have to cancel your trip because you or someone you are travelling with falls ill, a travel insurance policy can help you cover the cost so you don't lose out financially. Don't forget to read through the policy terms and conditions as they include a list of the reasons for cancellation that you can claim for, and the maximum amount they will pay out as well as any excess payment you'll be responsible for.

Kissing couple
"To qualify for couples travel insurance, you both need to be 18 or over, be in a relationship and live at the same address. However, you don't have to be married."
Couple at the
"Should you find yourself in need of medical assistance but don't speak the local language, having travel insurance could be invaluable."

Travel disruption

Travel insurance policies may include reimbursement for holiday disruptions, such as involuntary abandonment or missed departures, delayed or cancelled fights or accommodation.

Lost or stolen luggage and belongings

Your travel insurance policy can cover the cost of replacing lost or stolen belongings. Many policies will also pay for damaged luggage. Remember to check your policy to see what items it will pay out for, and the maximum amount you can claim in each case.

Help in an emergency

Should you find yourself in need of medical assistance but don't speak the local language, having travel insurance could be invaluable. Many insurers have a 24-hour helpline you can call for advice, such as where to go for treatment or how you can get home early if you need to.

Personal liability

Sometimes accidents will happen when we're abroad and you may find yourself liable to pay damages to a fellow holiday maker. Personal liability can help towards covering you in these situations.

Are there any exclusions for couples travel insurance?

Every policy varies and there are always exclusions to consider. Some common exclusions include:

Pre-existing medical conditions

You need to tell your insurer about any illness, disease or injury you have, recent or historic. This can include conditions such as asthma, diabetes or heart conditions to name a few. Failure to disclose a pre-existing medical condition could result in your policy being null and void.

Extreme sports

If you and your partner are thrill-seekers, you'll need to make sure your activity of choice is covered by your travel insurance policy. This includes, skiing, snowboarding, bungee jumping, basically anything with the potential to land you in hospital.

Certain locations

If you travel to a country the Foreign Office has advised against visiting, you will not usually be covered. If you're unsure whether this applies to your destination, check the FCO website for advice.

Natural disasters and terrorism

These can range from 'Acts of God' such as storms, hurricanes and floods to acts of terrorism.

Drugs and alcohol

Indulging in a cocktail or two forms part of a relaxing getaway for many. But you should be aware that your provider may refuse a claim for accidents or illnesses that occurred due to alcohol or drug misuse.

What is considered to be 'excessive' alcohol consumption can vary from one provider to the next, so check your policy documents to check your provider's stance on this. Nobody expects you to be teetotal on holiday but try not to go overboard or you risk more than just a holiday hangover!

Separate vs joint policies

Taking out a joint travel insurance policy could work out cheaper than buying two separate policies, but there are a few instances where this may not be the case.

If one of you has a pre-existing medical condition, separate policies may work out cheaper. This is because this individual is more likely to fall ill on holiday, so the insurer will see them as a higher risk - bumping up the price of the policy.

If one of you is aged over 65, you may be better off purchasing two separate policies. A traveller over 65 could push the price up for the other member of the party and the insurance may cost more than the price of individual policies.

Getting a quote

Using a comparison site such as Compare Cover will allow you to compare the cost of joint and separate policies quickly and easily to see which is right for you both.

As with all insurance policies, price isn't everything. The most important thing to look for is the level of cover your policy provides. It's important that you pick a policy with enough cover for your particular trip, so don't be tempted to go for the cheapest option.

Also, don't leave sorting out your travel insurance to the last minute! It's wise to get your travel insurance as soon as you book your holiday in case your trip gets cancelled or you are unable to go on holiday due to unexpected ill health or a family emergency, for example.

With Compare Cover, you can compare a range of travel insurance options in minutes so you can relax knowing you and your partner are covered against any holiday mishaps.

Man on beach
"If one of you has a pre-existing medical condition, separate policies may work out cheaper."
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