Who is a couple’s travel insurance policy suitable for?
A couple’s travel insurance policy is suitable for, well couples! But bear in mind the eligibility criteria mentioned above. When buying your couple’s travel insurance, you may also find that the policy is available on both single trip and multi trip insurance, but which one is more suited to you and your partner?
A couple’s single trip policy is perfect if you are looking at taking a one-off trip lasting a week or so. If you and your partner have several trips booked within a twelve-month period you may find it is more cost-effective to buy a couple’s multi trip policy.
A couple’s multi-trip policy will cover unlimited trips to and from the UK (and within the UK) for twelve-months but be sure to check the single trip duration limit; most travel insurers cover up to 31-days per trip, however some only offer 24 days, whereas others will offer as many as 45 or 60-days per trip, so something to check on the policy you buy.
Adventurous couples (or just couples that want to holiday for longer than your usual two or three weeks) should look at a couple’s longstay policy. These policies are designed to cover trips that are one month or longer and can last up to two years.
What is covered under my couple’s travel insurance policy?
When buying your travel insurance it is important to remember there is no one size fits all. The cover available under your couple’s travel insurance policy will depend solely on the travel insurer and selected policy. Having said that, most travel insurers will offer cover for cancellation, personal possessions and medical expenses as standard – just be sure to check the cover limits are suitable for your trip.
If you and your partner are planning to take part in a few activities whilst you’re away, make sure they are covered under your travel insurance. Most couples travel insurance policies will cover a select amount of activities as standard and offer activity packs for those that are a little riskier, which can be added to most policies for an additional premium. Whilst it may not be compulsory to buy cover for your activity, if you required emergency medical attention as a result of the activity and didn’t have the appropriate cover you will have to pay all associated expenses.
Whilst we’re speaking about activities, we all have spontaneous moments – right?! Some travel insurers will allow you to add on activities on an ad-hoc basis once you have left the country – and will only charge a premium for the person taking part in the activity. Something to consider when looking for a travel insurance provider.
On the other hand, if you and your partner just want to lounge on the beach and indulge in book or two, that’s fine too – just remember the sun cream!
Whilst you’re exploring on holiday it is likely you will want to snap some memories to show others when you return home. But wait, is that smart phone covered? Gadgets, including phones, camera’s, music players and laptops, etc., are not usually covered as standard; there are a few travel insurers that will offer this cover but most will ask for an additional premium to be paid for a gadget extension. If you are taking gadgets with you, you can check if these are covered for any theft, loss or damage outside of the UK under your travel insurance. If not, and you would like cover on yours and your partners gadgets under your travel insurance, make sure you check the single article limit (the cover may state ‘up to £1,500’ but this is usually broken down into single article limits where each item i.e. smart phone/camera has a limit of £500.00) as it may not be high enough to cover your gadgets. Also, look out for age limits – some travel insurance companies will not cover gadgets that are over two years old.
It is important to note, both you and your partner don’t necessarily need to be insured under the same policy but by buying a couple’s travel insurance policy you can ensure that if one of you needed to cancel the holiday or need to return home early you would both be covered – this may not be the case if you were to buy cover with separate insurers.
Depending on your health, you or your partner may need to complete a medical declaration. The medical declaration can be completed by either you or your partner but if you are completing it on their behalf you must make sure you have their permission and have accurate, up to date medical information. Once you have completed the quote, the documents will be sent through to you so it may be worth checking them through with your partner just to make sure.
