So you’re thinking about travelling as a couple? One of the most important things when planning your trip is to find good couples’ travel insurance (also known as joint travel insurance).
What Is Couples’ Travel Insurance?
Couples’ travel insurance is a joint policy for couples that are travelling together. Comprehensive policies are designed to give you that peace of mind when you’re travelling, in case anything goes wrong.
It works just the same as an individual policy, but covers both of you!
Is It Cheaper To Get Travel Insurance As A Couple?
Travelling can be a big expense, so you’re going to want to cut costs wherever possible
Often taking out travel insurance as a couple rather than individual policies can actually save you money in the long run, that’s if you and your partner meet certain conditions.
For example, the price will depend on the level and type of coverage that you require – if you’re planning on including winter sports, it may actually be cheaper to get two individual policies.
You’ll also need to take into account any pre-existing medical conditions of either person, as this could push the price above that of two individual policies.
Like most insurance policies, prices often fluctuate. But it’s great to know that you can save money travelling together.
What Are The Restrictions?
Certain companies have a number of restrictions that apply to their policies, even down to what constitutes a couple, and who is eligible. It’s always best to check the terms and conditions of where you’re purchasing your travel insurance from.
If you’re planning a more extreme trip like skiing, a lot of policies won’t cover it on their standard package, so it’s important you check what’s covered.
What happens if you split up? Well, unfortunately, the more basic policies won’t have you covered in the event of a breakup, however, some more expensive ones will cover this!
How does couple’s travel insurance work?
As couple travel insurance is very similar to a regular policy, you’ll need to be covered for the same things – it pretty much works the same way. You’ll want your insurance to cover a few different areas:
- Medical Cover – help towards covering the cost of medical treatments.
- Cancellation Cover – cover if the trip is cancelled.
- Personal Belongings – cover for lost or stolen luggage or belongings.
- Delays – cover for any delays.
- Personal Liability – cover for any accidents that may happen when you’re away.
Other Things To Know
If you travel often, it may be worthwhile getting annual coverage. Generally speaking, if you’re planning on travelling more than once or twice, annual cover may be best.
It’s also worthwhile remembering that the cheapest policy may not be the best.
Do you have to be married to get couples’ travel insurance?
For most policies, you need to be in a relationship, over 18, and living together. Some policies may even state that you need to have been living together for a certain amount of time. So, make sure you check the fine print before you buy!
Can you travel separately on couple travel insurance?
Yes, you can usually travel individually on most couples’ travel insurance policies (always check the terms and conditions to be safe).
How do you find the best travel insurance policies?
It’s always best to shop around and compare a range of policies. You can use comparison sites such as Money Supermarket and GoCompare to compare the pros and cons of each policy.
Just make sure you check the small print to ensure there are no unwanted restrictions and it covers everything you have planned for your trip.
Don’t forget to check out the rest of our couple’s travel tips and recommendations.