Couples travel insurance: convenient and cost saving cover (2024)

Please Note - If you are cruising around Australia you need to select Pacific.
With Regions, variances can apply for Bali, Indonesia, Japan and Middle East.
You are not required to enter stop-over countries if your stop-over is less than 48 hours.

Single Trip|Annual Multi-Tripi

Sharing stuff is just one of the perks of being in a relationship. Shared meals, shared experiences, shared expenses… coupledom can often widen your options and benefits. And when it comes to travel insurance being a pair can offer up more travel advantages than perhaps you may realise!

Typically, a couple’s travel insurance policy is cheaper than buying two separate policies. A joint policy doesn’t mean scrimping on cover either. You will each receive exactly the same benefits and levels of cover as you would by purchasing two separate policies. When it comes to ‘two for one’ value you can’t beat a joint policy!

How much can you save?

We compared the 45-day annual travel insurance policy with one of our highest-rated providers. For a 12-monthlimited worldwide policy (so everywhere except the USA and Canada):

Two separate policies for two30-year-olds: $576.96
Two 30-year-olds on the same policy: $378.48
Savings: $198.48 (35%)

You can also save on a single policy, although the discounts are often smaller. For a month-long stay in Bali:

Two separate policies for 30-year-olds: $180.70
Two 30-year-olds on the same policy:$171.67
Savings: $9.03 (5%)

Share the love with a duo policy

Whether you’re a married couple, travel buddies, siblings or long lost acquaintances, travel insurance doesn’t discriminate. So long as you’re travelling together most insurance companies will allow you to purchase joint cover.A joint policy also means that if one person falls ill or has to cancel the trip for unforeseen reasons, you’ll both be covered.

Want to bulk up your holiday spend? A duo couple’s policy can be a great way to save your pennies. Additionally, if you’ll be spending much of the year globetrotting, buying an annual frequent traveller policy makes far more financial sense than buying multiple policies a year. A good degree of savvy, and the use of a travel insurance comparison can help you make big savings, quick smart.

Annual multi trips – can couples travel separately?

Insurer	Underwriter	Covered?	Conditions	Buy Now
1300 Insurance	Allianz Australia Insurance Limited		The main policyholder can take trips without the secondary person, but not the other way around.
1Cover BUY	Certain underwriters at Lloyd's		As long as all persons are listed on the policy you are covered regardless if you are not travelling together for a group policy – but for a family policy you must be travelling together.	Go To Insurer
Allianz	Allianz Australia Insurance Limited		The main policyholder can take trips without the secondary person, but not the other way around.
Amex BUY	Chubb Insurance Australia Limited		As long as all persons are listed on the policy you are covered regardless if you are not travelling together.	Go To Insurer
Australia Post	Zurich Australian Insurance Limited		As long as all persons are listed on the policy you are covered regardless if you are not travelling together.
Australian Seniors	ACE Insurance Limited		The main policyholder can take trips without the secondary person, but not the other way around.
Boomers BUY	Allianz Australia Insurance Limited		The main policyholder can take trips without the secondary person, but not the other way around.	Go To Insurer
Budget Direct BUY	Auto & General Services Pty Ltd		As long as all persons are listed on the policy you are covered regardless if you are not travelling together.	Go To Insurer
Bupa Australia	CGU Insurance Ltd		The main policyholder can take trips without the secondary person, but not the other way around.
Columbus Direct BUY	Certain underwriters at Lloyd's		As long as all persons are listed on the policy you are covered regardless if you are not travelling together.	Go To Insurer
Cover-More	Zurich Australian Insurance Limited		As long as all persons are listed on the policy you are covered regardless if you are not travelling together.
Downunder BUY	Certain underwriters at Lloyd's		The main policyholder can take trips without the secondary person, but not the other way around.	Go To Insurer
Easy Travel Insurance	Zurich Australian Insurance Limited		As long as all persons are listed on the policy you are covered regardless if you are not travelling together.
Fast Cover BUY	Hollard Insurance Company Pty Ltd		As long as all persons are listed on the policy you are covered regardless if you are not travelling together.	Go To Insurer
Go insurance	Certain underwriters at Lloyd's		If you have paid the premium for Go Plus cover, each insured person named on the certificate will be covered if they travel independently of other named insured persons.
Insure4Less	Certain underwriters at Lloyd's		As long as all persons are listed on the policy you are covered regardless if you are not travelling together.
InsureandGo BUY	Mitsui Sumitomo Insurance Company Limited		The main policyholder can take trips without the secondary person, but not the other way around when purchased as a couple.	Go To Insurer
Medibank Private	Zurich Australian Insurance Limited		As long as all persons are listed on the policy you are covered regardless if you are not travelling together.
No Worries Insurance BUY	Chubb Insurance Australia Limited		As long as all persons are listed on the policy you are covered regardless if you are not travelling together.	Go To Insurer
Online Travel Insurance BUY	Allianz Australia Insurance Limited		The main policyholder can take trips without the secondary person, but not the other way around when purchased as a couple.	Go To Insurer
SCTI	Southern Cross Benefits Limited		Cover for when you are travelling together, and cover for when one person is travelling and the other remains in Australia.
Sure Save	XL Insurance Company SE		As long as all persons are listed on the policy you are covered regardless if you are not travelling together.
Tick Insurance BUY	Mitsui Sumitomo Insurance Company Limited		The main policyholder can take trips without the secondary person, but not the other way around when purchased as a couple.	Go To Insurer
Travel Insurance Direct	Certain underwriters at Lloyd's		As long as all persons are listed on the policy you are covered regardless if you are not travelling together.
Travel Insurance Saver BUY	Pacific International Insurance		Adults listed on the policy can travel separately, children must be be accompanied by an Adult listed on the policy. Consider the PDS and TMD from TIS and if the policy is right for you.	Go To Insurer
Travel Insuranz BUY	Berkshire Hathaway Speciality Insurance		As long as all persons are listed on the policy you are covered regardless if you are not travelling together.	Go To Insurer
Virgin Money BUY	Allianz Australia Insurance Limited		As long as all persons are listed on the policy you are covered regardless if you are not travelling together.	Go To Insurer
Webjet BUY	Allianz Australia Insurance Limited		The main policy holder can take trips without the secondary person, but not the other way around when purchased as a couple.	Go To Insurer
Westpac	Allianz Australia Insurance Limited		As long as all persons are listed on the policy you are covered regardless if you are not travelling together.
Woolworths	Hollard Insurance Company Pty Ltd		As long as all persons are listed on the policy you are covered regardless if you are not travelling together.
Zoom BUY	Certain underwriters at Lloyd's		As long as all persons are listed on the policy you are covered regardless if you are not travelling together.	Go To Insurer

General Advice Warning: The contents of this article were accurate at the time of writing. Insurers change their policies from time to time, so some information may have changed. You should always read the Product Disclosure Statement of your chosen insurer to understand what is covered and what isn't. The information provided is of a general nature only and does not take into account any personal objectives, financial situation or needs. Before making a decision you should consider the appropriateness of the information having regard to your personal circ*mstances.

Frequent fliers save with annual cover

Should you travel a few times a year as a pair it could benefit you to take out an annual multi-trip policy. However, not all multi-trip policies have specified cover for duos. For instance, 1Cover’s multi-trip policy only applies to singles and families, meaning cover would only apply to you, your spouse, partner and your dependants. If you’re planning to travel with a sibling or friend a few times a year insurers like Worldcare have got you covered.

Pre-existing conditions

Pre-existing medical conditions could pose a potential stumbling block for couples looking to purchase joint insurance. Failure to declare these when buying cover could invalidate any claim you make leaving you and your partner staring down huge medical costs. To avoid any financial pitfalls, be sure to notify your insurer of any illnesses or conditions that could potentially jeopardize your cover.

The truth about luggage limits

Be warned, what may look like a nice fat luggage limit sum on your insurance policy may not be what it seems! A single item limit will often apply to any claims made for loss, theft or damage to your possessions while you’re travelling. For instance, a maximum claim limit of $750 may apply to your brand new laptop, or wedding ring, despite its value being far higher. To ensure you’re not left out of pocket should your valuables go missing be sure to check that the single item limits on your policy satisfy your needs.