Key takeaways
- Couples travel insurance can be cheaper than 2 single policies - up to 30% less.
- It can cover you for medical expenses, cancellations, lost luggage and more.
- Lots of brands will cover you for the same limits as a single travel insurance policy.
What does couples travel insurance cover?
Medical expenses
Couples travel insurance covers emergency medical and hospital expenses for both travellers, including treatment, medication, and hospital stays. Many policies offer high or unlimited coverage for overseas emergencies, ensuring both partners are protected against unexpected health issues.
Delays and cancellations
If your trip is unexpectedly delayed or cancelled due to unforeseen circumstances, couples insurance can reimburse you for pre-paid, non-refundable expenses. This may include accommodation, activities, and transport costs. Some policies also cover additional expenses incurred due to travel delays, such as meals and accommodation.
COVID-19 expenses
Many travel insurance policies now include some level of COVID-19 coverage. This can encompass medical expenses if you contract COVID-19 during your trip, as well as cancellation costs if you need to cancel due to COVID-related reasons. However, coverage varies between insurers, so it's essential to check the policy details.
Luggage and personal belongings
Couples travel insurance typically covers lost, stolen, or damaged luggage and personal items for both travellers. This can include reimbursement for essential items if your luggage is delayed. Be aware that there may be per-item limits and overall claim limits, so valuable items might need additional coverage.
Do you need to be a couple to get couples cover?
No, you don't need to be a formal 'couple' to get a couples travel insurance discount. A better name for it might be 'joint travel insurance' instead. It's just that couples are the most regular travellers that buy travel insurance that covers multiple people.
But yes, if you are travelling with a buddy, your mum or someone you met at the pub, you can get a combined travel insurance police, and potentially score a bit of a discount. No romance required.
Is couples travel insurance worth it?
Couple travel insurance, or just joint travel insurance, is normally cheaper than getting two single policies. However, that's not always the case. Below are a bunch of quotes I pulled from Finder for a trip to Bali, with one or two 30 year old travellers in November 2024.
As you can see, not all insurance providers offer a discount for multiple people.
Brand | Policy | Single Cost | Couple Cost | Saving |
---|---|---|---|---|
Insure & Go* | Gold | $89.53 | $161.15 | 10.0% |
Southern Cross | International Comprehensive - Single Trip | $70.20 | $140.39 | 0.0% |
medibank | International Comprehensive Single Trip | $100.00 | $195.00 | 2.5% |
fastcover | Comprehensive | $87.99 | $158.99 | 9.7% |
Tick* | Top | $73.15 | $131.66 | 10.0% |
ahm | International Comprehensive | $67.00 | $98.00 | 26.9% |
Wise & Silent* | Discovery - Ultimate | $74.12 | $103.86 | 29.9% |
nib | Comprehensive | $155.14 | $292.00 | 5.9% |
Travel Insuranz | Deluxe | $61.14 | $122.28 | 0.0% |
travel protect | Explorer + Rental Vehicle Excess | $134.53 | $166.76 | 38.0% |
Travel Insurance Direct | The Works | $127.92 | $191.00 | 25.3% |
Stella | Comprehensive + Rental Vehicle Excess | $134.25 | $179.22 | 33.3% |
*Finder exclusive discount.
Are benefits the same with couples travel insurance?
This depends on the insurer and the plan type. Most insurers will treat each adult separately and offer both adults equal benefit limits across the board. A small number of insurers will offer each adult equal benefit limits on most items, but will impose a combined limit on certain items like rental vehicle excess and personal liability. However, in most cases, you are getting the equivalent of two individual policies with the discount in price being the only difference.
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