Couples travel insurance

What is couples travel insurance?

Couples travel insurance covers both you and your partner under one travel insurance policy. You might also hear it referred to as joint travel insurance.

You can get couples travel insurance if you're both over 18 and live at the same address. It works in the same way as regular travel insurance, but there's less admin as you're covered under 1 policy instead of 2.

Like individual travel insurance, a couples' policy can cover you for things like medical bills, lost luggage and travel cancellation. You can also buy single-trip and annual travel insurance for couples, so you can choose which policy type fits your needs.

So whatever travel you're up to, from a city break to a honeymoon, you can get couples travel insurance to cover those unexpected mishaps.

Is couples travel insurance cheaper than individual policies?

Generally, it's cheaper to buy a joint policy than individual ones. But, it's always worth comparing prices to make sure you're getting the best deal.

There are a few factors that are worth considering when buying travel insurance that might make individual policies a more suitable option:

• Medical conditions: If you or your partner has a medical condition, this can raise the overall price of your travel insurance. In this case, it might be cheaper to get individual policies instead of couples travel insurance.
• The value of your belongings: Typically, the cover limits on couples travel insurance are split between you. So, £1,000 of baggage cover means £500 each. If you're travelling with expensive items, this might not be enough cover. So, it might be more worthwhile getting individual policies to ensure you're getting appropriate cover.
• Travelling separately: If you're a frequent traveller, there's a chance you might decide to go on the occasional trip without your partner. For example, if you have family abroad or you're going away with friends. Annual couples travel insurance often allows solo travel, but consider your destinations. If you're likely to travel somewhere that requires worldwide travel insurance and your partner is unlikely to leave Europe, individual policies might be cheaper.

Can I travel alone on a couples policy?

This will depend on your policy, but many annual travel insurance policies will allow you to travel without your partner. If you're buying single-trip travel insurance, you're unlikely to be covered to travel alone.

The benefits of couples travel insurance

Whether couples travel insurance is the right choice for you and your partner will depend on your personal circumstances. But, there are a few benefits of this type of cover:

• Simplified claims process: With couples travel insurance, you only have to deal with one insurer and one claims process. So, if something happens and you need to make a claim, that's less admin work for you!
• Fewer policy documents: It's always a good idea to take a copy of your polciy documents with you when you travel. With couples travel insurance, this means just needing to keep track of one set.
• Cost-saving: Joint travel insurance policies are often cheaper than individual ones.