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 treasured memories together.
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 travellers who may be faced with unexpected emergencies, 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 it may save you money.
Travelling as a couple is unlike roaming the globe solo. You’ll have company, and you’re both responsible for keeping your trip on track. Travel insurance for couples is intended to cover two people under one policy and can often work out cheaper than two single policies.
Travel insurance for couples isn’t just an option for lovebirds; it’s also available to travel companions sharing the same itinerary on their trip. Most insurers will allow family or friends who are travelling together for the entire trip to purchase just one policy to cover both individuals.
You may also opt for annual travel insurance for couples – which allows you to be covered for a 12-month period, for any number of trips up to a certain maximum trip duration.. For example, you may purchase an annual travel insurance policy with a maximum trip duration limit of 30 days, and then travel as many times as you like in a 12-month period and be covered by this policy as long as the trip length isn’t over 30 days for any trip.
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:
|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).|
|Medical expenses||Theft/loss of property||Cancellations and delays|
|If you become unwell or injured on holiday, having cover for medical expenses can include hospital accommodation, surgery, dental (up to certain sublimits) 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.|
You may require cover for unanticipated accommodation, food, and transportation when things don’t go according to plan. Always check the Product Disclosure Statement (PDS) to ensure you have all the cover you need.
The main difference between acquiring a travel insurance policy for two people and purchasing 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.
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.
There are many advantages of being under one policy, particularly if you choose a higher level of cover, such as comprehensive. For example, your policy could potentially have a cheaper premium and you could save time by dealing with just one policy. Some common comprehensive policy benefits may include:
In 2018 and 2019, the Australian Government’s Department of Foreign Affairs and Trade assisted 1,506 Australians who were hospitalised overseas.1 The top countries where people were hospitalised abroad included the United States, Thailand, Vietnam, Indonesia and New Caledonia.1
What’s more, results from the Insurance Council of Australia & DFAT Smartraveller Advisory Awareness Report found that in 2018 and 2019, 10% of Aussies who travelled abroad weren’t insured.2 Around 75% of these people said they didn’t take out insurance because they thought they’d be safe.
According to tourism research Australia, the top-visited countries by Australians in 2019 were:3
But in terms of countries Aussies were searching for online, based on country pages for the Department of Foreign Affairs and Trade, were:1
In 2019, 39,790 passports were reported lost or stolen.3 The countries overseas where most passports were reported lost included the United States, United Kingdom, New Zealand and China. These figures tend to highlight the importance of having travel insurance and the number 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. As such, the importance of reading and understanding your product disclosure statement (PDS) to know exactly what you are and aren’t covered for is paramount.
Common exclusions include:
You will also 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 amount that can be claimed for damaged or lost items. Refer to your Product Disclosure Statement (PDS) 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.
You usually don’t need to be in a relationship to purchase travel insurance for couples. In most cases, travel insurance can be purchased for family members or friends travelling together, providing 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.
Policy brochures typically state that your departure and arrival dates need to be the same, 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.