Sharing stuff is just one of the perks of being in a relationship. Shared meals, shared experiences, shared expenses… coupledom can often widen your options and benefits. And when it comes to travel insurance being a pair can offer up more travel advantages than perhaps you may realise!
Typically, a couple’s travel insurance policy is cheaper than buying two separate policies. A joint policy doesn’t mean scrimping on cover either. You will each receive exactly the same benefits and levels of cover as you would by purchasing two separate policies. When it comes to ‘two for one’ value you can’t beat a joint policy!
How much can you save?
We compared the 45-day annual travel insurance policy with one of our highest-rated providers. For a 12-month limited worldwide policy (so everywhere except the USA and Canada):Two separate policies for two 30-year-olds: $576.96
Two 30-year-olds on the same policy: $378.48
Savings: $198.48 (35%)
You can also save on a single policy, although the discounts are often smaller. For a month-long stay in Bali:
Two separate policies for 30-year-olds: $180.70
Two 30-year-olds on the same policy: $171.67
Savings: $9.03 (5%)
Share the love with a duo policy
Whether you’re a married couple, travel buddies, siblings or long lost acquaintances, travel insurance doesn’t discriminate. So long as you’re travelling together most insurance companies will allow you to purchase joint cover. A joint policy also means that if one person falls ill or has to cancel the trip for unforeseen reasons, you’ll both be covered.
Want to bulk up your holiday spend? A duo couple’s policy can be a great way to save your pennies. Additionally, if you’ll be spending much of the year globetrotting, buying an annual frequent traveller policy makes far more financial sense than buying multiple policies a year. A good degree of savvy, and the use of a travel insurance comparison can help you make big savings, quick smart.
Annual multi trips – can couples travel separately?
| Insurer | Underwriter | Covered? | Conditions | Buy Now |
|---|---|---|---|---|
 1300 Insurance |
Allianz Australia Insurance Limited |  |
The main policyholder can take trips without the secondary person, but not the other way around. | |
 1Cover
|
Certain underwriters at Lloyd's | |
As long as all persons are listed on the policy you are covered regardless if you are not travelling together for a group policy – but for a family policy you must be travelling together. | |
 Allianz |
Allianz Australia Insurance Limited |  |
The main policyholder can take trips without the secondary person, but not the other way around. | |
 Amex
|
Chubb Insurance Australia Limited | |
As long as all persons are listed on the policy you are covered regardless if you are not travelling together. | |
 Australia Post |
Zurich Australian Insurance Limited | |
As long as all persons are listed on the policy you are covered regardless if you are not travelling together. | |
 Australian Seniors |
ACE Insurance Limited | |
The main policyholder can take trips without the secondary person, but not the other way around. | |
 Boomers
|
Allianz Australia Insurance Limited | |
The main policyholder can take trips without the secondary person, but not the other way around. | |
 Budget Direct
|
Auto & General Services Pty Ltd | |
As long as all persons are listed on the policy you are covered regardless if you are not travelling together. | |
 Bupa Australia |
CGU Insurance Ltd | |
The main policyholder can take trips without the secondary person, but not the other way around. | |
 Columbus Direct
|
Certain underwriters at Lloyd's | |
As long as all persons are listed on the policy you are covered regardless if you are not travelling together. | |
 Cover-More |
Zurich Australian Insurance Limited | |
As long as all persons are listed on the policy you are covered regardless if you are not travelling together. | |
 Downunder
|
Certain underwriters at Lloyd's | |
The main policyholder can take trips without the secondary person, but not the other way around. | |
 Easy Travel Insurance |
Zurich Australian Insurance Limited | |
As long as all persons are listed on the policy you are covered regardless if you are not travelling together. | |
 Fast Cover
|
Hollard Insurance Company Pty Ltd | |
As long as all persons are listed on the policy you are covered regardless if you are not travelling together. | |
 Go insurance |
Certain underwriters at Lloyd's | |
If you have paid the premium for Go Plus cover, each insured person named on the certificate will be covered if they travel independently of other named insured persons. | |
 Insure4Less |
Certain underwriters at Lloyd's | |
As long as all persons are listed on the policy you are covered regardless if you are not travelling together. | |
 InsureandGo
|
Mitsui Sumitomo Insurance Company Limited | |
The main policyholder can take trips without the secondary person, but not the other way around when purchased as a couple. | |
 Medibank Private |
Zurich Australian Insurance Limited | |
As long as all persons are listed on the policy you are covered regardless if you are not travelling together. | |
 No Worries Insurance
|
Chubb Insurance Australia Limited | |
As long as all persons are listed on the policy you are covered regardless if you are not travelling together. | |
 Online Travel Insurance
|
Allianz Australia Insurance Limited | |
The main policyholder can take trips without the secondary person, but not the other way around when purchased as a couple. | |
 SCTI |
Southern Cross Benefits Limited | |
Cover for when you are travelling together, and cover for when one person is travelling and the other remains in Australia. | |
 Sure Save |
XL Insurance Company SE | |
As long as all persons are listed on the policy you are covered regardless if you are not travelling together. | |
 Tick Insurance
|
Mitsui Sumitomo Insurance Company Limited | |
The main policyholder can take trips without the secondary person, but not the other way around when purchased as a couple. | |
 Travel Insurance Direct |
Certain underwriters at Lloyd's | |
As long as all persons are listed on the policy you are covered regardless if you are not travelling together. | |
 Travel Insurance Saver
|
Pacific International Insurance | |
Adults listed on the policy can travel separately, children must be be accompanied by an Adult listed on the policy. Consider the PDS and TMD from TIS and if the policy is right for you. | |
 Travel Insuranz
|
Berkshire Hathaway Speciality Insurance | |
As long as all persons are listed on the policy you are covered regardless if you are not travelling together. | |
 Virgin Money
|
Allianz Australia Insurance Limited | |
As long as all persons are listed on the policy you are covered regardless if you are not travelling together. | |
 Webjet
|
Allianz Australia Insurance Limited | |
The main policy holder can take trips without the secondary person, but not the other way around when purchased as a couple. | |
 Westpac |
Allianz Australia Insurance Limited | |
As long as all persons are listed on the policy you are covered regardless if you are not travelling together. | |
 Woolworths |
Hollard Insurance Company Pty Ltd | |
As long as all persons are listed on the policy you are covered regardless if you are not travelling together. | |
 Zoom
|
Certain underwriters at Lloyd's | |
As long as all persons are listed on the policy you are covered regardless if you are not travelling together. |
General Advice Warning: The contents of this article were accurate at the time of writing. Insurers change their policies from time to time, so some information may have changed. You should always read the Product Disclosure Statement of your chosen insurer to understand what is covered and what isn't. The information provided is of a general nature only and does not take into account any personal objectives, financial situation or needs. Before making a decision you should consider the appropriateness of the information having regard to your personal circumstances.
Frequent fliers save with annual cover
Should you travel a few times a year as a pair it could benefit you to take out an annual multi-trip policy. However, not all multi-trip policies have specified cover for duos. For instance, 1Cover’s multi-trip policy only applies to singles and families, meaning cover would only apply to you, your spouse, partner and your dependants. If you’re planning to travel with a sibling or friend a few times a year insurers like Worldcare have got you covered.
Pre-existing conditions
Pre-existing medical conditions could pose a potential stumbling block for couples looking to purchase joint insurance. Failure to declare these when buying cover could invalidate any claim you make leaving you and your partner staring down huge medical costs. To avoid any financial pitfalls, be sure to notify your insurer of any illnesses or conditions that could potentially jeopardize your cover.
The truth about luggage limits
Be warned, what may look like a nice fat luggage limit sum on your insurance policy may not be what it seems! A single item limit will often apply to any claims made for loss, theft or damage to your possessions while you’re travelling. For instance, a maximum claim limit of $750 may apply to your brand new laptop, or wedding ring, despite its value being far higher. To ensure you’re not left out of pocket should your valuables go missing be sure to check that the single item limits on your policy satisfy your needs.
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