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Couples' travel insurance
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What is couples’ travel insurance?
Simply put, a couples’ policy provides travel insurance for people who travel as a couple. Also known as joint travel insurance, it covers both you and your partner on one policy, so you won’t have to take out two separate policies.
There are several different types of cover couples can get, including:
Single trip travel insurance – covers you for a one-off holiday
Annual multi-trip cover – could work out cheaper if you travel abroad twice or more every year
Long stay travel policy – covers you for travel across multiple destinations for extended periods of time, usually anywhere between 90 days to 18 months
Over 70s travel insurance – this provides specialist cover that can include pre-existing conditions and even additional medical cover
To qualify, you both need to be aged 18 or over, living together at the same address, and in a relationship with each other.
What is and isn't covered by couples' travel insurance?
With MoneySuperMarket you can get couples travel insurance from £41.58
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Couples’ travel insurance covers:
Medical treatments – this could be hospital bills and any extra expenses, as well as repatriation to the UK for treatment if needed. The level of cover depends on the country you’re visiting – to work out how much cover you’ll need, consider the cost of healthcare in your destination, as well as the cost of returning home in a medical emergency
Baggage and personal belongings – covers your stuff for damage, loss and theft. Check for any single-item limits, though, particularly if you’re travelling with costly items – this is the maximum amount that will be paid towards a single item
Cancellations – if an accident or illness prevents you from travelling, or the holiday provider goes bust, you can get your money back. This is usually the value of your holiday, including any pre-booked activities
Travel delays and disruptions – there is legislation in place to help make sure that airlines take care of and compensate passengers for significant delays. But if they won’t or can’t, then your policy may be able to provide some protection
Lost or stolen passport – as with personal belongings, most travel insurance policies will cover lost or stolen passports, or at least any replacement fees. In some cases, they will cover extra costs incurred by a missing passport, such as an extra night in a hotel while you wait for an emergency travel document
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Couples’ travel insurance doesn’t cover:
Pre-existing medical conditions – for health issues like cancer or diabetes, you’ll need a specialist policy. You must declare your condition when applying for travel insurance. Otherwise, you risk invalidating any claim you make, leaving you and your partner to cover any medical costs yourselves
Extreme sports – you’ll likely need to get a specialist policy that covers sports like skydiving, skiing or rock climbing. Check carefully to see what your policy covers – you may need to pay more to extend your policy to cover a certain activity
Certain locations – many policies won’t cover you if you’re going to a dangerous country. If you’re going on a cruise, you’ll also need to specify this
Disasters and delays – rare events like natural disasters or acts of terrorism aren’t typically covered. Even delayed flights aren’t always covered – check to see if your policy includes these more common situations
Drug or alcohol misuse – if an incident was caused by substance abuse or intoxication, the insurance provider may reject your claim
Can I travel separately with couples’ travel insurance?
That depends on your policy – but yes, many policies will still cover you if you travel separately. This can come in handy if you often travel overseas to visit family but can’t always go together, or if you’re travelling separately for work or with friends.
Many annual multi-trip policies will cover independent travel. Still, it’s worth checking the terms and conditions of your cover, just to make sure.
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Our expert says…
We get it. You’re only away for a couple of nights, or you’re not even leaving the country. It’ll be fine. Except when it isn’t. And when things go wrong away from home, they can get expensive quickly, especially if the mishap is a medical one. The good news is that travel insurance is easy to arrange, and if you’re off on a cosy couples weekend, teaming up on cover could save you even more cash.
Kate Hughes Money & Savings Expert
Is it cheaper to get travel insurance as a couple?
Getting couples’ travel insurance can sometimes be cheaper, but not always. In some instances, it’s better to get individual policies, whether that’s because it works out cheaper or it provides better cover.
For example, if you or your partner have a pre-existing medical condition, it’s better to get individual policies. Not only will it provide the proper amount of cover, it’ll likely be cheaper – as the added risk of a medical condition may push the price of premiums up for both people.
Why compare travel insurance with MoneySuperMarket?
Whether you need worldwide cover, a single trip, or a multi-trip policy, at MoneySuperMarket, we’re here to make sure your holiday planning is a breeze. Here’s what you’ll get:
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Flexible to suit your plans
Get fully comprehensive cover for as long as you need it, whether that's one day or a few months, or single trip or multi trip policy
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Quick and easy to use
Simply pop in a few details about where you’re off to next, pick the best deal for you and get insured for your next trip.
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Save money
Compare quotes from the UK's leading travel insurance providers and filter through a range of policies that match your needs as well as your budget.
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Guides and expert tips for couples travel insurance
Keep up to date and find out all you need to know with our latest guides.
Ready to compare? Here's what to do next
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Tell us about yourself
Give a few details about you, your travel plans, preferred level of cover, and what you need cover for
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We’ll do the legwork
We’ll put together a list of travel insurance quotes, so you can pick one that works for you
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You’re on your way
Once you’ve chosen, you can purchase your policy and you’ll be covered for your trip
Why should I get couples’ travel insurance?
Taking out a couples’ travel insurance policy is a great way to save money, as it could work out cheaper than two separate policies.
Other ways to save include opting for annual holiday insurance, especially if you expect to go on two or more trips during the 12-month term, as well as shopping around for the best deal.
Don't automatically choose the cheapest option without checking the cover provided, though. This could prove to be a false economy should you need to make a claim.
Do I have to be married or in a civil partnership to get couples’ travel insurance?
No, you don’t have to be married or in a civil partnership to be eligible. The requirements for couples’ travel insurance are that you should be adults (over 18 years of age), in a relationship, and cohabiting (i.e. living together at the same address).
Can I get travel insurance for couples if we don't live together?
To qualify for couples’ travel insurance, you must be living at the same address as your partner.
However, there are other options if you don’t live with your partner, including:
Honeymoon insurance – specifically for couples going on their honeymoon, this policy should cover cancellations, journey delays and disruptions, trip interruptions, medical treatments, and even certain extreme sports
Group travel insurance – you don’t need to live with your partner to take out group travel insurance, which covers everything a standard travel insurance policy offers. In fact, some group travel insurance policies cover more activities, though there can also be upper age limits in place – be sure to check
Can we go skiing on our joint travel policy?
Winter sports cover is usually excluded from standard travel insurance policies. So, if you’re a couple that enjoys hitting the slopes, you’ll have to pay for additional cover.
Some providers will offer that additional coverage, but you may prefer to purchase an additional policy specifically for winter sports.
Does a couples’ insurance policy insure against break-ups?
Travel insurance can’t save you from heartbreak. However, it can help make sure that you’re not wildly out of pocket if something goes wrong.
Most couples’ policies won’t cover the cost of cancelling a trip in the event of a split, but certain, more expensive, policies do. As ever, check the fine print before you buy.
How do I compare travel insurance for couples?
The best way to find competitive travel insurance is to compare deals with MoneySuperMarket. All you have to do is provide us with a few details about you, your partner and where you’re going, and we will find a range of options for you to pick from.
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Reviewed on 12 Dec 2025 by
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