Couples travel insurance
Getting travel insurance for couples could save you as much as 56%.
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Important:Travel insurance rules continue to change as a result of the coronavirus pandemic. We’re working hard to keep up and make sure our guides are up to date, however some information may not be accurate during the pandemic. It’s even more important to double-check all details that matter to you before taking out cover. Please know that some policies may not be available through Finder at this time. Here are some helpful tips:
- If you're buying a policy today, it's unlikely that you'll be covered for border closures
- If your travel plans go against government advice, your policy will most likely be voided and you won't be covered
It's a given that you'll look out for each other while travelling, so why not let travel insurance do some of the heavy lifting? Couples travel insurance is a convenient and often cheaper way for you to protect your holiday.
Keep reading to find out more about couples travel insurance and where you can find the deepest discounts by taking out cover for two.
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You don’t have to be a couple to get couples cover
A couples policy is essentially just a discount for having two people covered on one policy, and in most cases, each person will get all the same benefits they would have gotten if they had taken out their own individual policies.
The best thing is, not all insurers require you to be in a romantic relationship in order to get couples cover (which is also sometimes called duo cover). In fact, most insurers will allow you to book a couples policy with any other adult you are travelling with.
This can be any of the following:
- A friend
- A housemate
- A romantic partner
- A relative
However, all insurers are different, so you'll have to read the product disclosure statement (PDS) to ensure that you're eligible. Here are some requirements you may encounter:
- Same itinerary. This is the only requirement you'll see across the board. The only way you can get through most online applications is by entering a single set of departure and return dates. Some insurers take it further and spell out a minimum percentage of time you and the other person must travel together on the trip.
- Same home address. Most of the time when you apply online, you're asked for a single address. Some make it clear that this is for the "primary policyholder", indicating that it is OK for your travelling partner to reside elsewhere. This probably holds true for those insurers who don't make this "primary policyholder" distinction (especially if it's not prohibited in the PDS), but you're better off contacting the insurer just in case.
- Partner relationship. A small percentage of insurers will allow you to purchase two individual policies at the same time without a discount, but will apply a discount if you indicate that the other adult is your romantic partner. You'll need to check with the insurer to find out how they make this determination.
As previously mentioned, it is easy for you and any other adult traveller with the same arrival and departure dates to book a duo policy through most providers' websites, including those that offer discounts. Very few of these insurers ask any follow-up questions or make any other stipulations within their PDS about the nature of the relationship.
That said, it's always a good idea to check with the insurer if you are unsure about your eligibility.Back to top
Most insurers will let you and your travelling partner buy your policies together, but not all of them offer a discount. So we did a little digging around to find out where you can save the most. We got sample quotes from all of the providers in the finder.com.au panel using the following criteria:
- Travellers ages: Both aged 35
- Policy region: Worldwide
- Trip duration: Two weeks
We recorded the cost of a basic policy for a single traveller, and then re-ran the search for both travellers.
The results? A large majority of the providers will offer you a discount when you purchase two plans together, but it ranges from as little as 3% off to as much as 37% off.
Use the table below to find out how much you could save.
|Brand||Cost for single||Cost for couple||Savings|
|Online Travel Insurance||$95.39||$152.64||24.99%|
|Travel Insurance Saver||$151.03||$295.65||2.01%|
Note: prices are correct as of September 2019
What if you or your travelling partner has a pre-existing condition?
If you or your travelling partner has a pre-existing condition that isn't listed in the insurers' "automatically covered" category, that person needs to declare it and may need to answer a questionnaire and/or undertake a medical assessment.
At that point, the insurer will say one of three things:
- They'll cover the condition at no extra cost
- They'll cover it for an additional premium
- They won't cover it at all
If the insurer won't cover the pre-existing condition at all or you or your travel companion decides not to pay an additional premium, then you won’t be able to claim for anything related to that condition. This will not impact the cost or benefits associated with the other traveller's policy in any way.
If you or your travelling partner fails to declare a pre-existing medical condition, any claim that person makes as a result of that condition could be refused. When in doubt, declare anything you are unsure of. The insurer will lead you in the right direction.
Questions you might have about couples cover
Picture: Guilherme Kardel, licensed under Creative Commons Attribution-NonCommercial-ShareAlike 2.0 Generic (image cropped) Picture: Shutterstock
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