Find the right deals on couples travel insurance
Compare your options with us. Simples!
Compare your options with us. Simples!
The key to enjoying a healthy relationship often involves doing things together – and travelling with one another is no exception. Whether it’s your husband, wife, or partner; exploring the world alongside your significant other can strengthen bonds while sharing some of life’s most treasured memories.
Not only is pairing up a great way of seeing the sights abroad, it’s also a good way of exploring affordable travel insurance options. Couples holiday insurance is designed to cover travellers who may be faced with unexpected emergencies, which can potentially lead to hefty expenses that are outside of their control.
Whether it’s a quick getaway, a multi-trip holiday, or honeymoon, finding the right cover for the two of you is important, and it may save you money.
Travelling as a couple is unlike roaming the globe solo. There’s twice the company, and you’re both responsible for keeping your trip on track.
Couples travel insurance isn’t just an option for lovebirds; it’s also available to travel companions who are sharing the same itinerary on their trip. Most insurance providers will allow friends or family members to purchase joint cover if they are travelling together.
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, couples travel insurance typically includes three levels of cover:
Covers you for medical costs up to a limited amount, limited dental treatment, basic luggage and travel documents cover (capped).
Additional coverage costs for medical (capped), standard dental treatment, standard luggage and travel documents cover (capped).
Premium cover for medical costs (capped), high level cover for dental treatment, top luggage and travel documents cover (capped).
Depending on what level of cover you and your acquaintance choose, common claims on travel insurance policies relate to medical expenses, theft/loss of property, and cancellations/delays.
If you become unwell or injured on holiday, having cover for medical expenses can include hospital accommodation, surgery, dental, and prescription medication.
Reimbursement for damaged, lost, or stolen luggage and personal possessions. You should always report an incident to your insurer, the airline and local police within 24 hours.
Generally covers expenses related to travel plans that are affected by illness or unforeseen circumstances. Postponed flights, missed holiday tours, and cancellations are common occurrences with travel, and you may require cover for unanticipated accommodation, food, and transportation when things don’t go to according to plan.
The main difference between acquiring a couples travel insurance policy to that of two single policies is the costs involved. Couples are likely to save money and time for choosing to be under one inclusive policy, rather than two separate policies.
We’ve compared the same three policies from different insurance companies for singles and couples travel insurance below:
These prices are a guide only, and were generated for one single and one couple’s policy for a 21 day trip to France and Italy during Jan 2018.
As you can see, it may be beneficial to look at covering both of you under one policy, and it will save you time in doing so. Depending on what level of cover, and what insurance provider you choose, selecting the right couples travel insurance policy may help ease the burden of having two separate policies.
There are many benefits of being under one policy, particularly if you choose a higher level of cover such as comprehensive. Some common benefits may include:
In 2016-17, more than 1,700 Aussies ended up in hospital abroad – a fear many travellers share. Thailand – the most visited country for Aussie tourists – saw the highest number of travel insurance claimable incidents of all.
It’s little wonder that Aussies need protection when they’re abroad, and insurance can offer peace of mind, so that you don’t become a statistic yourself. In fact, a 2017 smartraveller.gov.au survey found that 94% of Australians with travel insurance felt at ease knowing they were covered.
The Department of Foreign Affairs listed the five most visited countries by Australians in 2016-17 as:
Last year there were almost 2,500 Australian passports reported as lost overseas, with more than 2,100 passports reported stolen. These figures tend to highlight the importance of having travel insurance, and the amount of people reliant on such an essential aspect of travelling.
While having the appropriate level of cover for you and your beloved half is a step in the right direction, there are some exclusions you should be aware of when taking out travel insurance. Similar to other policies, there are activities and circumstances that may affect your cover; therefore, the importance of understanding your product disclosure statement (PDS) is paramount.
Common exclusions include:
You will not be covered if you:
Be aware that pre-existing medical conditions can impact the cost of your desired insurance cover. Couples should ensure they always disclose and declare a pre-existing medical condition to their insurer.
Yes. Most policies offer a maximum benefit amount that can be claimed. Refer to your policy brochure or insurer if you require further information or are unsure of any particulars.
Yes. If you or your partner has a pre-existing medical condition, you need to declare it to your insurer, as it may affect your policy.
In most cases, you need to be in a relationship, and you generally have to reside at the same address as each other in order to be eligible for couples travel insurance.
Yes. There are more affordable policy options for couples travelling on an extended 12 month period. There are some further conditions and exclusions depending on your insurer.
Policy brochures typically state that your departure and arrival dates need to be the same, as does your destinations. Some insurers may allow you to take separate flights, as long as the dates and destinations are both the same.
Travelling as a couple shouldn’t have to be worrisome. Let’s face it; more important things like trekking the Andes, or visiting that favourite spot in Bali should be the only thing on your mind when holidaying. However, if plans do take a turn for the worse, seeking the right level of cover is a wise decision, and it gives you the peace of mind you’ll need to fully appreciate your trip away.
If you and your partner are travelling abroad, it’s a good idea to search from a variety of different policies. With Compare the Market’s travel insurance comparison service, you can find a suitable policy in just minutes, from multiple providers. Simples.
We do not compare all travel insurers or products in the market. Any advice given above is general and does not take into account your objectives, financial situation or needs. You should consider whether the advice is suitable for you and your personal circumstances, and before you make any decision about whether to purchase a product, you should read the PDS for that product.
For more information about the range of insurers and products we compare, how our service works, and how we make our money (remembering that the service is free for you to use), click here and read our Financial Services Guide (Car, Home and Travel Insurance Products). A number of the travel insurance brands on our panel are arranged by Auto & General Services Pty Ltd ACN 003 617 909 on behalf of the insurer Auto & General Insurance Company Limited ACN 111 586 353, both of which are related entities of Compare the Market Pty Ltd. Our relationship with those companies does not impact the integrity of our comparison service, and we continue to work hard to encourage brands that do not currently participate on our comparison service to come on board.
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