Travel insurance for couples | Simples! (2024)

The main difference between a travel insurance policy for two people and purchasing two single policies is the costs involved. Couples are likely to save money and time by choosing one inclusive policy, rather than two separate policies.

Depending on what level of cover and insurance provider you choose, selecting travel insurance for couples may ease the burden of having two separate policies. You can both know exactly what you’re covered for, and there will be no surprises if you need to make a claim overseas.

Just as with regular travel insurance cover, travel insurance for couples will cover you for many potential overseas incidents that could cost you money, particularly if you choose comprehensive couples cover. You could potentially have a cheaper premium and save time by dealing with just one couples policy rather than two single policies. Some common comprehensive policy benefits may include:

• Cover for medical and hospital expenses.If you or your partner becomes unwell or injured on holiday, you could be covered for medical expenses such as hospital accommodation, medical treatment, dental (up to certain sub-limits) and prescription medication.
• Accidental death benefit and repatriation.If you or your partner suffers a medical emergency and needevacuationout of the country, this often-substantial bill can be covered by your policy. Furthermore, if the worst were to happen and either of you pass away during your travels, your remains can be repatriated back to Australia.
• Theft and loss of property.Reimbursem*nt for damaged, lost or stolen luggage, valuables, personal belongings, credit cards or cash. You should always report an incident to your insurer, the airline and local police within 24 hours.
• Cancellations and delays.Cover for expenses related to travel plans that are affected by illness or unforeseen circ*mstances. Postponed flights, missed holiday tours and trip cancellations are common occurrences with travel.
• Personal liability.If you or your partner damage a person’s property or injure someone, your travel insurance can pay for your legal expenses. However, never admit to guilt before speaking with your insurer, or your claim may be rejected.
• Rental vehicle excess.Your insurer can cover the excess fees for your rental car in case of a car accident.
• Loss of income and permanent disability.Some policies offer benefits if you’re injured abroad and can’t return to work for some time.
• Optional cover for adventure sports and activities.Handy for couples venturing to places where the risk of injury is heightened (e.g. if you needski and snowboarding coveroradventure cover).

Limits, sub-limits and inclusions will vary between policies and insurers. Always check the Product Disclosure Statement (PDS) to ensure your joint policy covers you for all that you need. You should also read the Target Market Determination (TMD) to check your suitability of the policy.

• Injuries sustained while partaking in a potentially risky physical activity (although many activities may be included inadventure cover)
• Injuries while partaking in winter sports (usually you’ll need to pay extra forwinter sports cover)
• Riding a motorcycle or driving without a licence
• Your hotel or tour operator going into financial receivership
• Undertaking illegal activities (breaking the law)
• Being under the influence of drugs and alcohol
• Ignoring official government warnings (natural disastersor civil unrest)
• Leaving your possessions unsupervised.

You should also be aware thatpre-existing medical conditionscan impact the outcome of your claim. Both members of the couple should always disclose any pre-existing conditions to their insurer, who will decide whether they can cover the condition, potentially for an extra premium.

It’s also important to understand that a couple’s policy won’t cover any dependent children. If it’s a family trip, it might be worth looking at afamily policyinstead.