Travel insurance for couples

Average customer rating: 4.3/5

A guide to travel insurance for couples

Last updated March 8, 2024
Written by Tiana Lee-Collins
Reviewed by Adrian Taylor

Expert tips for finding the right travel insurance policy for you and your travel partner

Our Executive General Manager of General Insurance at Compare the Market, Adrian Taylor, has some top tips for helping couples pick a suitable travel insurance policy.

Adrian Taylor
Executive General Manager – General Insurance

Consider what inclusions you want cover for

When choosing your policy, consider both you and your partner’s circumstances to help ensure you have adequate cover for the both of you. This may include cover for medical expenses, travel delays, cancellations and more. Depending on your destination, you may want to consider additional cover for cruises, winter sports or adventures.

Check your claim limits to ensure you’re covered correctly

Since there are two of you on the policy, you should check the claim limits to ensure you have the right level of cover. For example, if your airline loses both of your luggage, is your claim limit high enough to cover you both? It’s a good idea to choose a policy with comprehensive cover for higher claim limits.

Consider increasing your excess for a lower premium

If you want to reduce your premium, consider choosing a higher excess on your policy. But remember that your excess is what you pay out of pocket if you need to make a claim, so always choose a manageable excess amount.

What is travel insurance for couples?

Couple with travel insurance in Fiji

Travel insurance for couples is intended to cover two people under one policy and can often work out cheaper than two individual policies. It’s suitable for any two travel companions sharing the same itinerary on their trip, depending on the insurer’s eligibility criteria. Most insurers will allow family or friends travelling together for the entire trip to purchase just one policy to cover both individuals.

If you and your trip partner are frequent travellers, you may also opt for an annual multi-trip policy for couples, which allows you to be covered for any number of trips during a 12-month period. On the other hand, a single trip policy can cover you for one trip lasting up to 12 months.

Choosing the right level of cover is a smart step for travelling pairs and can provide assurances on your health, plans and possessions. Like other types of travel insurance, travel insurance for couples can typically be broken down into three levels of cover:

  • Basic or saver. This protection may cover medical expenses, as well as limited dental treatment, luggage and personal liability cover. Or, if you choose a basic medical-only policy, you’ll usually receive a high amount of medical cover and emergency assistance, but nothing else.
  • Mid-range or standard. Additional coverage for medical expenses, dental treatment, luggage, cancellation and delays, as well as personal liability cover.
  • Comprehensive. Higher level cover for the inclusions in a standard policy, and may come with additional inclusions such as rental vehicle excess cover.

Understanding travel insurance for couples

What’s the difference between a single and couple’s travel insurance policy?

What’s included in a travel insurance policy for couples

Common exclusions and helpful information

While having the appropriate level of cover for you and your travelling companion is a step in the right direction, there are some exclusions you should be aware of when taking out travel insurance for couples. Similar to other policies, some activities and circumstances may affect your cover. As such, reading and understanding your PDS to know exactly what you are and aren’t covered for is essential.

Common exclusions include:

Does travel insurance for couples have to be with your spouse/partner?

Can you travel separately from your partner for any duration of your trip?

Meet our travel insurance expert, Adrian Taylor

Adrian Taylor
Executive General Manager – General Insurance

As the Executive General Manager of General Insurance, Adrian Taylor believes in educating customers about the importance of travel insurance so that anyone can kick back and make the most of their time away from home. While no one wants a disrupted holiday, a suitable travel insurance policy can provide a financial safety net for yourself, your belongings and your trip in case things go wrong.