A simples guide

Couples travel insurance

Whether you’re off on a chic city break, an adrenaline-packed adventure holiday, or a week of beach-based R&R, travel insurance is a no brainer for most tourists. If you’re jetting off with your significant other however, then couples travel insurance can be a budget-friendly alternative to the regular kind.


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.

Do you have to travel together for couples travel insurance?

With couples travel insurance, travelling separately is allowed with some policies. This can be particularly useful if you regularly visit family overseas and can’t always go together, or if you’re travelling alone or with friends.

Can I save money by taking out a couple’s policy?

Going on holiday is pricey enough, so it’ll come as jolly good news that opting for couples travel insurance can save you money. However, if one of you have a pre-existing condition then it can be cheaper to buy separate policies so it’s worth getting a comparison for both to see which could be cheaper.

If you get around a bit (the world that is), then it’s also possible to make further savings with annual/multi-trip policies over single ones.

While cheap travel insurance for couples is tempting, the lowest-priced deals don’t always offer the best cover – and can sometimes end up costing you more money if things don’t go to plan. A good policy should tick all your boxes, as well as your budget so make sure you compare policies before buying the policy that suits you best.

two drinks
deck chairs

Are there any common exclusions for couples travel insurance?

Exclusions are the things an insurance provider won’t provide, so you should certainly be keeping your eyes peeled for them. The ones that regularly pop up include:

Pre-existing medical conditions: if you’ve got a dodgy knee or problematic organs, you may be considered by some providers as too big a risk to insure. Fortunately there are providers out there that do cover people with pre-existing medical conditions.

- Extreme sports: not all insurers will take the fall if a bungee jump goes disastrously wrong. Whether it’s skiing, white-water rafting, or even skydiving, adrenaline junkies will sometimes need to seek out policies that specifically cater for extreme sports.

- Certain Locations: from dangerous countries to plush cruise liners, not all every insurance policy will cover you everywhere. If you’re opting for a cruise, you need to select the cruise option when completing your quote.

- Delays and disasters: you could easily create a list as long as the Bayeux tapestry when it comes to potential travel mishaps. Surprisingly though, some of the least anticipated things aren’t always covered by insurers. These can range from ‘Acts of God’ (storms, floods, tornados etc.) to acts of terrorism. The same can also be true of more common eventualities, such as delayed flights. Make sure your policy doesn’t exclude any of the more likely ones.

Time to compare

At comparethemarket.com we don’t mess around. We’ve rounded up top deals on travel insurance for couples from some of the best travel insurance providers around, and made them all quick and easy to compare. So have a gander today to find your perfect policy – bon voyage!

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