Travel Insurance for Couples

If you’re planning a vacation or other trip this year, there is a good chance you’ll be traveling with your significant other. Roughly 37% of trips are taken with a partner alone and no other family. 

But while traveling as a couple has an array of benefits, there are risks. This is why travel insurance for couples is so important. It allows you both to be covered for unexpected expenses with the convenience of only having a single insurance policy. 

What is Couples Travel Insurance?

Couples travel insurance refers to partners covered under the same travel insurance policy. 

Joint travel insurance can come in two forms:

• Travel insurance – Available to US residents traveling international or domestically. Can cover additional insureds on the same policy regardless of relationship, though the details of the coverage will differ by plan.
• Travel medical insurance – Available to anyone traveling internationally. Can cover a spouse on the same policy. Availability of coverage for a significant other or domestic partner under the same policy can differ by plan. 

What Does Couples Travel Insurance Cover?

• Travel insurance for couples can cover unexpected trip cancellation, travel delay, trip interruption, baggage loss/delay, and emergency medical coverage.
• Travel medical insurance for couples can cover emergency medical care, emergency medical evacuation, trip interruption (with some plans), and repatriation of remains.
• The exact coverage will vary by plan. You can get full details by reading the plan’s policy certificate.

Exclusions on Couples Policies

While couples travel insurance policies offer convenience and cost savings, they also come with specific exclusions that travelers should understand before purchasing.

• Pre-Existing Medical Conditions: Most couples' policies do not cover claims arising from pre-existing medical conditions unless these are declared and explicitly included in the policy. This can apply to both travelers, meaning coverage might be denied if a condition wasn't disclosed during the application process.
• Definition of a Couple: Insurers often define a couple as two people over 18, living together, and in a committed relationship for at least six months. Failing to meet these criteria can void your policy. For example, some insurers may not recognize non-cohabiting partners.
• Activity Exclusions: Certain high-risk activities like extreme sports, scuba diving beyond specific depths, or adventure travel may not be covered. Travelers engaging in such activities must purchase additional coverage to avoid uncovered incidents.
• Traveling Separately: Some policies require both insured individuals to travel together for coverage to apply. If one partner travels independently, any claims arising from that trip may not be valid.
• Age-Based Costs and Limitations: Policies often calculate premiums based on the older partner’s age. Additionally, older travelers may face restrictions or higher costs for comprehensive coverage, potentially impacting claims eligibility.

To avoid unexpected complications, carefully read the policy terms, and ask your insurer for clarification on exclusions. Tailoring your policy to match your needs ensures smooth travels with your partner.

What About Travel Insurance for Couples that Live Separately?

When purchasing travel insurance, you can typically add another person to the policy when getting coverage regardless of their relation. This means there is no issue insuring your boyfriend, girlfriend, spouse, fiancé, or friend on the same policy. 

With travel medical insurance, it can be more complicated. Most plans will only allow you to list immediate family members such as your spouse and may require proof of legal partnership. In these cases the best thing to do is simply insure the other person under their own separate policy.

How to Get Travel Insurance for Couples

You can purchase travel insurance for couples or travel medical insurance for couples right here on our website. It only takes a few moments to fill out the quote form, after which you can get free quotes instantly and purchase online in minutes.

Frequently Asked Questions About Travel Insurance for Couples

Can you get travel insurance as a couple?

You can certainly get travel insurance as a couple or travel medical insurance as a married couple on our website. Just fill in the quote form, compare plans online, and purchase in minutes.

How much does couples travel insurance cost?

Looking for cheap travel insurance for couples? The cost of travel insurance for couples will depend on several factors including the ages of both insureds, the details of the trip, and the specific plan purchased. Get free quotes and compare plans today to find the perfect couples travel insurance online for both of you.

Can You Travel Separately on Couples Travel Insurance?

Whether couples can travel separately under a joint travel insurance policy depends on the specific terms of the insurer. Many policies require both travelers to begin and end the trip together for coverage to apply. If one partner travels independently, their claims may be denied unless the policy explicitly allows separate travel. To avoid issues, confirm with your insurer whether individual travel is covered. For frequent independent travelers, purchasing individual policies might provide better flexibility and peace of mind.

Are There Also Policies for Groups and Families?

Yes, many insurers offer group and family travel insurance policies tailored to larger parties. Family policies typically cover two adults and their dependent children under a single plan, providing convenience and cost savings. Group policies, on the other hand, are designed for non-related individuals traveling together, such as friends or colleagues. These plans often offer similar coverage to individual policies but with added perks for managing multiple travelers. Be sure to compare options to ensure the policy suits your group’s unique needs.