What exactly is couples travel insurance?

To qualify for couples travel 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 – this 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 expense 
• 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 that 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 be the airline or if, for example, your hotel isn’t finished you should contact your tour operator. It’s their responsibility to compensate you for the cost of the disruption caused. If they’re not compensating you for the disruption you should call your insurance provider

Some insurance companies won’t cover you for absolutely every eventuality, so always be careful when you’re buying your policy to make sure you’ve got the right cover for your needs. 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.