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Couples travel insurance

02 June, 2017 By Eugene Wylde

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?


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

Couples Travel Insurance FAQs

Is couples travel insurance cheaper?

Generally speaking, most insurers offer a small discount of between two and five percent when you have two people on the same single trip policy. Discounts are often higher though when you choose an annual policy - the benefits can be more than 30%. Compare travel insurance prices today to find out. 

Can you travel separately on couples travel insurance?

Yes, you can travel separately on most couples travel insurance policies, provided that you're both listed on the certificate of insurance and your destinations and dates cover your individual trips.

Who is the best travel insurance company?

Which is the best travel insurance company will depend entirely on you and your circumstances. Not all brands cover the same things, so it's important that you shop around. Check whether your policy covers pre-existing conditions, the adventure activities you're doing, any age limits they have, and of course whether the price of their travel insurance meet your budget.

Is couples travel insurance per person?

This depends on the insurer. When you quote through, you'll see the price for everyone together, rather than the price per person.

Contributor Eugene Wylde

Eugene Wylde

Eugene is the king of insurance! Having spent more than ten years raising awareness on the importance of holiday protection, he is a self-confessed insurance geek extraordinaire when it comes to the world of travel cover. Eugene loves helping people save time, worry and loads of money with the right policy at the right price. His ideal holiday is any one where he has a pina colada in his hand. Salut!

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