By
Jonathan Owen 
If you book holidays as a duo, there’s a good chance you’ve wondered whether couples travel insurance is actually worth it, or whether you should just buy two separate single policies and call it a day.
This guide breaks down the real-world benefits, who couples cover tends to suit best, and the common scenarios where two single policies can be the smarter choice. (Because “couples” in life is complicated enough. Your insurance doesn’t need to be.)
Couples travel insurance is a single travel insurance policy designed to cover two people travelling together. The exact eligibility rules and definitions can vary by insurer, so it’s always worth checking the policy wording before you buy.
One set of documents. One renewal date. One place to check cover levels, emergency numbers, and exclusions. If you’re travelling together, it’s simply easier to manage one policy than keep two separate ones aligned.
Couples cover is often priced to be competitive versus buying two separate policies, especially when you’re matching dates, destinations, and cover levels. It’s not guaranteed to be cheaper every time, but it’s frequently worth comparing.
With two separate policies, it’s surprisingly easy to end up with different cover levels (or different add-ons) without realising. A couples policy can make it simpler to keep protection consistent across both travellers.
If your goal is to get travel insurance sorted quickly (before you get distracted by hotel upgrades and airport lounge fantasies), couples cover can reduce the back-and-forth and speed up the buying process.
Couples travel insurance is generally a strong fit when you:
There are times where two separate policies can make more sense, for example:
If you and your partner take several trips a year (together or separately), it may also be worth looking at annual travel insurance and comparing the overall value versus multiple single-trip purchases.
Cover depends on the level you select and the policy terms, but couples travel insurance typically includes core travel protection such as medical and emergency assistance, cancellation and curtailment, and cover for baggage or personal belongings (subject to eligibility criteria, exclusions, and limits).
Important: Always review what’s included (and what isn’t), particularly for pre-existing medical conditions, activities/sports, valuables, and any destination-specific requirements. Terms and conditions apply.
Use this quick checklist before you buy:
If you’re travelling together and want one policy that covers you both, start here:
Or, if you already know what you want, go straight to:
Not always. Couples cover can be better value in many cases, but pricing depends on factors like destination, trip length, cover level, and individual circumstances. It’s best to compare like-for-like cover before deciding.
Not necessarily, but definitions vary between insurers. Check the policy wording to understand who qualifies as a “couple” for that specific product.
Many couples policies are designed for travelling together. If you expect to take separate trips, you may be better suited to individual cover or an annual option. Always check the policy terms and eligibility criteria.
If you’re only travelling once, a single trip policy may be sufficient. If you take multiple trips in a year, annual travel insurance may offer better overall value and convenience, depending on your travel pattern.
You’ll typically need to declare medical conditions during the quote journey. Eligibility, terms, and exclusions can apply, so it’s important to answer medical questions accurately and review the policy details.
Start a quote, choose the cover level that fits your trip, and make sure both travellers’ details are correct. You can begin here: get a travel insurance quote.
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