Explore Travel Insurance

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.

What is Couples Travel Insurance?

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.

What’s the difference between singles and couples travel insurance?

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:

Single PolicyBasicMid-RangeComprehensive
Insurer 1$40.82$63.95$88.95
Insurer 2$54.76$66.75$91.65
Insurer 3$57.80$92.60$107.80
Couples PolicyBasicMid-RangeComprehensive
Insurer 1$73.47$115.11$160.12
Insurer 2$95.84$116.82$160.40
Insurer 3$109.90$175.90$176.30

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.

  • Basic: $9.17
  • Mid-Range: $12.92
  • Comprehensive: $26.66

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.

 Benefits of couples travel insurance

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:

  • Cover for medical and hospital expenses: Peace of mind in case you or your partner fall ill or injure yourselves overseas.
  • Cost/time effective: Save time and money under one policy. Less stress with cover documents as one policy number applies for the both of you.
  • Accidental death benefit: An amount paid if you pass away during your travels.
  • Rental vehicle excess: Excess fees paid for by insurer in case of a car accident.
  • Loss of income and permanent disability: Some policy brochures offer benefits if you are injured abroad and can’t return to work for a period of time.
  • Transportation arrangements: Generally paid if your flight or transport is cancelled or delayed, and will arrange necessary transportation to get you where you are heading.
  • Optional cover for adventure sports and activities: Handy for couples venturing to places where the risk of injury is heightened (i.e. snowboarding and adventure holidays).

Interesting facts about Aussies abroad

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:

  1. Thailand,
  2. Indonesia,
  3. United States of America,
  4. Vietnam, and
  5. France.

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.

Common exclusions and helpful information

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:

  • Base jumping,
  • Injured while partaking in winter sports (usually you’ll need to pay extra for this),
  • Riding a motorcycle or diving without a licence, and
  • Your hotel/tour operator goes into financial receivership.

You will not be covered if you:

  • Undertake in illegal activities (break the law),
  • Are under the influence of drugs and alcohol,
  • Ignore official government warnings (natural disasters or civil unrest), and
  • Leave your possessions unsupervised.

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.

Is there a maximum benefit for damaged/lost items?

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.

Do pre-existing medical conditions affect your polciy?

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.

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

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.

Is there annual travel insurance for couples?

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.

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

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.

Comparing couples travel insurance with us

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.

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