Not only is pairing up a great way of seeing the sights abroad, but it’s also a good way of exploring affordable travel insurance options. Joint travel insurance policies are designed to cover two travellers with the same itinerary against a range of unexpected emergencies that can arise on a trip, which can often lead to hefty expenses.
Whether it’s a quick getaway, a multi-trip holiday or your honeymoon, finding the right cover for the two of you is important and may save you money.
Travel insurance for couples is intended to cover two people under one policy and can often work out cheaper than two individual policies. Travel insurance for couples isn’t just an option for lovebirds, either; it may be available to any 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:
Just as with regular travel insurance cover, travel insurance for couples will cover you for many potential overseas incidents that could cost you money, particularly if you choose comprehensive couples cover. You could potentially have a cheaper premium and save time by dealing with just one couples policy rather than two single policies. Some common comprehensive policy benefits may include:
Limits, sub-limits and inclusions will vary between policies and insurers. Always check the Product Disclosure Statement (PDS) to ensure your policy covers you for all that you need.
The main difference between a travel insurance policy for two people and purchasing two single policies is the costs involved. Couples are likely to save money and time by choosing one inclusive policy, rather than two separate policies.
Depending on what level of cover and insurance provider you choose, selecting a couples travel insurance policy may ease the burden of having two separate policies. You can both know exactly what you’re covered for, and there will be no surprises if you need to make a claim overseas.
If you’re travelling with your partner, you might be after a romantic getaway. Here are some of the most romantic destinations in the world.
Known as the city of love, Paris has idyllic cobble-stoned streets, quaint cafes and breathtaking architecture. Or, if you want to hop off the beaten path, Gordes in Provence is a picturesque French village overlooking fields of lavender, the perfect destination for a quiet, romantic holiday.
A popular honeymoon destination, the white-washed buildings and sandy beaches of Greece make for a relaxing trip abroad. While Santorini is the go-to destination for many couples, Greece has a number of gorgeous islands, each more beautiful than the last.
If you’re looking for a dreamy location to lounge by the water and soak up the sun, then Fiji might be for you. You could enjoy your own private beach on Yasawa Island, take a scenic helicopter ride over gorgeous terrain or relax in any number of five star resorts.
Italy is a dream honeymoon location for couples wanting architectural wonder and fine wine. Ride down the canals in a Venetian gondola or stroll through the Vatican hand-in-hand. For those wanting a little peace and quiet, Positano provides the perfect chance to soak up the Italian sun.
Tropical beaches, stunning cityscapes and a new culture and cuisine – all of this and more can be found in Thailand. With frequent boat tours, there’s no need to limit yourself to visiting only one island when you can experience all this country has to offer.
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:
You should also be aware that pre-existing medical conditions can impact the cost of your desired insurance cover. Couples should always disclose a pre-existing medical condition to their insurer, who will decide whether they can cover your condition.
Yes, most policies offer a maximum amount that can be claimed for damaged or lost items. Refer to your PDS or insurer if you require further information or are unsure of any particulars.
Not necessarily. In most cases, travel insurance can be purchased for family members or friends travelling together, provided they have the same itinerary. In cases where travel insurance for couples isn’t available, you may be able to take out a group insurance policy.
Travel insurance policies typically state that your departure and arrival dates must be the same as the person you’re travelling with, as do your destinations. Some insurers may allow you to take separate flights, as long as the dates and destinations are both the same. It’s more common, though, for both travellers to have the same itinerary.
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, your best friend or even your cousin are travelling abroad, it’s a good idea to obtain quotes for a variety of different policies. With our free travel insurance comparison service, you can find policies from a range of providers in just minutes. Simples.
