Couple on holiday with a map

Couples Travel Insurance

Heading abroad with your significant other? Why not get travel insurance that's built for two?

Planning a romantic getaway? Maybe it's just time for a holiday. Whatever the reason, make sure you've protected your trip with travel insurance. Better still, if there's the two of you going, why not take out couple travel insurance? 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 how much you can save by taking out cover for two.

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How does duo travel insurance actually work?

If you’re planning a trip with your significant other, taking out a couples travel insurance policy can save you both time and money. Couples travel insurance can cover you and your travel companion on a single policy. You and your partner will receive the same benefits you would have if you had taken out separate policies, but you get a discount on your premium since there is less administration for the insurer. Couples travel insurance is an option with most Australian travel insurers and it’s a convenient solution for couples travelling together.

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Who offers joint travel insurance

All of the providers in the travel insurance panel offer joint cover. However, some of them provide couples travel insurance at a discounted rate. We got sample quotes from all of the providers in the panel with the following assumptions:

  • Travellers age: 35
  • Policy region: Worldwide
  • Trip duration: Two weeks

We recorded the cost of all of the basic policies from each provider, repeated the same quote query for two travellers of the same age and found that you could save almost 15% by getting couples travel insurance versus two single policies.

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BrandCost for singleCost for coupleSavingApply
Fast Cover$41.10$78.104.99%Get quote
Online Travel Insurance$42.21$71.7515.01%Get quote
iTrek$45.10$85.695.00%Get quote
Virgin Travel Insurance $55.36$96.9012.48%Get quote
Travel-Insuranz-Logo-v2$57.95$110.115.00%Get quote
Go-Insurance-Logo-v2$59.45$118.900.00%Get quote
Zoom Travel Insurance$59.50$113.055.00%Get quote
insure4less$70.95$127.7110.00%Get quote
Webjet Travel Insurance$74.62$126.8615.00%Get quote
No Worries Travel Insurance Logo$72.78$142.652.00%Get quote
1 cover travel insurance logo$73.42$146.840.00%Get quote
american-express-logo$76.00$144.504.93%Get quote
budget-direct-feature$109.29$142.7634.69%Get quote
worldcare travel insurance logo$86.62$147.2415.01%Get quote
Travel Insurance Direct$90.00$169.006.11%Get quote
SCTI$93.00$181.002.69%Get quote
columbusdirect$99.00$188.105.00%Get quote
insureandgo-logo-v2$101.21$182.1710.00%Get quote
boomers-travel-insurance$111.56$189.6515.00%Get quote
travel insurance saver logo$112.00$224.000.00%Get quote
skiinsurance ski travel insurance logo$181.14$362.280.00%Get quote

Note: prices are correct as of September 2017

What are the key benefits of couples cover?

  • Convenience. Not only is getting your travel insurance more convenient at the time of purchase, it’s also more convenient should anything go wrong. Both you and your travel partner have one emergency helpline to call and one set of policy details to remember.
  • Savings. In most cases, it’s cheaper to take out couples cover than if you both had separate policies.
  • Offered by most insurers. Couples travel insurance is available from most Australian travel insurance brands, which means you have plenty of choices when it comes to cover. Check out the table below for a list of providers that offer couples travel insurance.
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Joint travel insurance hurdles

Keep an eye out for the following traps and potential problems when you’re shopping for a couples travel insurance policy:

  • Pre-existing conditions. If you or your partner have a pre-existing condition, it could impact the cost of your policy. If either of you fails to declare a pre-existing medical condition, any claim you or your partner make as a result of that condition could be refused.
  • Exceeding the valuables limit. When reading the product disclosure statement (PDS) of your policy, check what limit applies to cover for lost, stolen and damaged valuable items. If the benefit amount is lower than you need, check with your insurer to see if you are able to purchase additional cover.
  • Not spending enough of your trip together. In order to qualify for a couples travel insurance policy, you’ll need to check whether your provider requires you and your travelling companion to spend a minimum duration of the trip together. Some policies will only require you to spend 50% of the trip together while others may require you to travel together for the entire journey.
  • Who you can travel with. Some insurers will not offer a joint policy to siblings or friends travelling together. Check the fine print.
  • Choosing the cheapest option available. Price is an important factor when buying travel insurance but it shouldn’t be the only thing you consider. Shop around, compare a range of policies and read the PDS to find out what is and isn’t covered.
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Common questions about couples cover

  • If both my wife are on the same policy, are the benefit amounts the same as if we had separate cover? While this will depend on the insurer, generally your benefit amount will not be affected.
  • Is there a maximum benefit for lost/damaged items that will be paid? Yes. As with all policies there is a maximum benefit that can be paid. You should consult the relevant duo travel insurance product disclosure statement for the benefit limits and sub-limits.
  • Are we both covered if we travel separately for some parts of the trip? Generally if you want to be covered by one policy your departure and arrival date need to be same. Though you can take separate flights your destination needs to be the same.
  • Do they have to be a spouse? In order to get couples travel insurance you generally need to be a couple and live at the same address. If you live separately you may not be able to select a policy as a couple.
  • What if one of us has a pre-existing condition? You need to declare all pre-existing conditions. If one of you have a pre-existing condition this may affect the cost of your policy. However, only the person with the pre-existing condition will be excluded from claiming for that pre-existing condition.
  • What benefits are there for the travelling companion if one traveller passes away or is hospitalised? Yes, most policies will cover you for additional expenses incurred as the result of death or injury to your travel companion.
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Is there annual travel insurance for couples?

Yes, annual travel insurance covers you for all the trips you embark on across a 12-month period.

Benefits of annual travel insurance for couples

  • One policy for two people
  • Save time by removing the need to shop around for cover before each trip
  • Some policies are cheaper

Drawbacks of annual travel insurance for couples

  • Not all insurers provide cover at a discounted rate
  • You’ll need to check the fine print on who qualifies as a couple for an annual multi-trip policy
  • There may be exclusions around whether or not you can only travel as a couple

Compare policies and apply for couples travel insurance

Picture: Guilherme Kardel, licensed under Creative Commons Attribution-NonCommercial-ShareAlike 2.0 Generic (image cropped) Picture: Shutterstock

Richard Laycock

Richard is the insurance editor at He is on a mission to make insurance easier to understand.

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