What is couples travel insurance?
As the name suggests, couples travel insurance covers both you and your partner while travelling aboard. To qualify for couples insurance you need to be two adults aged 18 or over who live at the same address and are in a relationship. Policies vary between providers, but standard travel insurance for couples usually includes:
- Medical cover: if the worst comes to the worst and you need taking care of, medical cover will help to ensure you won’t be left with a hefty hospital bill. You’ll usually be covered for around £2 million in medical expenses.
- Personal belongings: from pricey laptops to fancy designer sunglasses, your personal belongings are often covered for damage, loss, and theft.
- Cancellation cover: cancellation cover means you won’t be out of pocket if you’re forced to shelve your holiday plans because your travel provider lets you down or you have an accident or illness which prevents you from travelling. Cancellation cover would usually be equal to the value of your holiday, including pre-booked excursions, activities, and extras.
- Travel delay/disruption cover: if your flight is delayed then your first port of call should usually be the airline or if for example your hotel isn’t finished you should contact your tour operator. It is their responsibility to compensate you for the cost of the disruption caused. If they are not compensating you for the disruption you should then call your insurer.
Some insurance companies won’t cover you for absolutely every eventuality, so always be eagle-eyed when you’re buying your policy to make sure you’ve got the right cover. If you’re heading off on a specific type of holiday such as a ski trip, then some providers offer tailor-made packages that are better equipped for the slopes.