Couple on holiday with a map

Couples travel insurance

Travelling as a duo? Purchase your insurance together and see if you can save.

There's nothing better than a holiday with a significant other or a good mate. It's truly a shared experience, from the early planning stages to years later when you're reminiscing over all the old photos.

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.

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You could save up to 35% by taking out a couples policy

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.

BrandCost for singleCost for coupleSavings
Fast Cover$45.70$86.805.03%
Online Travel Insurance$54.33$86.9220.01%
itrek$45.10$85.695.00%
Virgin$56.47$98.8212.50%
Travel Insuranz$62.95$119.615.00%
Zoom$59.50$113.055.00%
Insure4Less$69.95$125.9110.00%
1Cover$73.42$146.840.00%
American Express$80.50$152.505.28%
Budget Direct$94.08$119.0336.74%
WorldCare$81.98$139.3615.00%
Travel Insurance Direct$90.00$169.006.11%
Southern Cross$93.00$181.002.69%
Columbus Direct$99.00$188.105.00%
InsureandGo$66.26$119.2610.01%
Travel Insurance Saver$112.00$224.000.00%

Note: prices are correct as of 15 March 2018

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

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 finder, and has been wrangling insurance Product Disclosure Statements for the last 4 years. When he’s not helping Aussies make sense of the fine print, he can be found testing the quality of Aperol Spritzes in his new found home of New York. Richard studied Journalism at Macquarie University and The Missouri School of Journalism, and has a Tier 1 certification in General Advice for Life Insurance. He has also been published in CSO Australia and Dynamic Business.

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