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Travel insurance for couples

How couples can save money on their travel insurance

If you are heading overseas with your partner, it often proves a lot cheaper to take out joint travel insurance that covers both of you rather than two separate policies

By Mehdi Punjwani

Published: 24 March 2020

Looking for travel insurance?

What is couples’ travel insurance?

Simply put, couples’ travel insurance provides insurance for people who travel as a couple.

Can you travel separately with couples’ travel insurance?

Crucially, a joint travel insurance policy covers both partners when they want to travel independently, because not every trip away can be a romantic getaway.

Do you have to be married/in a civil partnership to get couples’ travel insurance?

The requirements for couples’ travel insurance is that you should be adults (over 18 years of age), in a relationship and cohabiting – living together at the same address – to be eligible.

Why should we get couples’ travel insurance?

Taking out a couples’ travel insurance policy is a great way to save money because it could work out cheaper than two separate policies.

Other ways to save include opting for annual/multi-trip cover if you expect to go on two or more trips during the 12-month term and, of course, shopping around for the best deal.

Don't automatically choose the cheapest option without checking the cover provided though, as this could prove to be a false economy should you need to make a claim.

What should couples’ travel insurance cover against?

As always, the range of cover varies according to the provider and there may be different levels of cover.

Keep an eye out for:

●     Cancellation cover: Make sure that you’re adequately protected in case you’re unable to go on your trip, due to accident or illness or the holiday provider going bust

●     Medical cover: Go for coverage around the £2 million mark, so that you don’t have to worry about medical bills due to illness or accidents

●     Delay cover: There is legislation in place to help make sure that airlines take care of and compensate passengers for significant delays but if they are won’t or can’t, then your policy may be able to provide some protection

●     Personal belongings cover: It’s important to get your possessions protected against theft, loss and damage. As you may be travelling with any number of costly items including multiple internet-enabled devices like tablets or phones, cameras and clothes, make sure than the coverage amount for a single item is enough to reimburse you

When looking for cover, be aware that a common exclusion that might be applicable to travel insurance for couples is pre-existing medical conditions. These must be declared when you apply for travel insurance or you risk invalidating any claim you make, leaving you and your partner to cover any medical costs yourselves.

Can we go skiing on our joint travel policy?

Winter sports cover is usually excluded from standard travel policies, so if you’re a couple that enjoys hitting the slopes, then 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, but 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.

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.

Looking for travel insurance?