Couples Travel Insurance Costs & Savings Update 2025
Is a couple's travel insurance cheaper?
Often a more affordable option than buying two separate plans, couples travel insurance—joint travel insurance—can involve. Under this kind of policy, one single plan covers both couples. According to nerdWallet's research, travel insurance usually covers around 7% of your vacation expenses. This comes to almost $70 for insurance on a $1,000 trip. Still, depending on several variables, expenses can run between 4% and 16%. Insuring a $1,000 vacation combined can save two travelers more than obtaining two separate insurance. Pre-existing medical issues, however, can complicate things and might make individual insurance more reasonably priced. It is advisable to evaluate quotes for both possibilities constantly.
What do couples' travel insurance cover?
Usually, couples' travel insurance covers the same ground as personal plans. These often include medical expenditures (frequently about $10 million), luggage cover (with possible single-item limits), cancellation cover (generally up to the value of the trip), and travel delay or interruption protection. Specific plans might additionally call for particular coverages, including cruises, adventure sports, or COVID-19-associated medical bills. To be sure what is included, go over the policy specifics. Exclusions usually include pre-existing conditions (unless declared and covered), extreme activities (unless specified), some locations, and events connected to drug or alcohol abuse.
Can you travel separately on a couples policy?
While some annual multi-trip rules let partners travel apart, single-trip rules usually call for both people to travel together. For example, Columbus Direct's single-trip policy calls for shared travel; its annual multi-trip policy permits independent travel. A yearly plan would be more suited if you intend to travel separately. Usually, one should constantly review the specific policy.
Do you and your partner have to live together?
Travel insurance coverage for most couples requires both partners to live in the same place. If you live apart, a group travel insurance plan could be appropriate. Another alternative, especially for married couples who might not yet live together, is honeymoon trip insurance.
Real-world examples and costs
Cedar Tree Insurance quotes a joint coverage at $21.25 before discounts for a five-day vacation to Rome for a couple of years, compared to more expenses for two separate policies. Likewise, for a family of four traveling eight days to Spain, a shared Cedar Tree policy quotes $49.25. Comparetravelinsurance.com.au claims that two 30-year-olds staying together for a month in Bali might save 5% by buying a combined coverage. While annual multi-trip coverage averaged £60, data from Confused.com shows the average cost of a single-trip travel insurance policy in August 2024 was £22.
Tips for finding cheap couples travel insurance
The most reasonably priced choice depends on comparing quotations from several companies. Comparison tools abound on websites such as Squaremouth, TravelInsurance.com, and InsureMy Trip. Reviewing current coverage under credit cards, health insurance, or homeowner's insurance helps you avoid purchasing duplicate coverage. If you travel several times a year, think about an annual plan. To cut the rate, ensure prepaid, nonrefundable trip expenditures. Medical-only insurance can be less expensive than complete plans if you do not need cancellation coverage.
Considerations for seniors
Because of higher medical risk, older visitors can pay higher premiums. Still, numerous businesses specialize in travel insurance for seniors, including IMG, which provides policies covering visitors up to 99 years old. Travel Guard also offers elders customized coverage alternatives. Recall that Medicare usually does not pay medical bills outside the United States.
Travel medical insurance for international trips
Travel medical insurance is crucial for overseas travel since domestic health insurance usually excludes treatment abroad. With rates averaging $50 and coverage up to $1 million, companies like GeoBlue specialize in reasonably priced worldwide medical insurance. Seven Corners provides varied coverage levels for primary and secondary travel medical policies. Trawick International is another choice with a solid worldwide physician network and coverage of up to $2 million for medical evacuation.
| Provider | Couples Policy Price | Individual Policy Price | Savings | Coverage Type | Medical Coverage | Cancellation Coverage | Baggage Coverage | Pre-existing Conditions | CFAR | Other Notable Benefits/Features |
|---|---|---|---|---|---|---|---|---|---|---|
| Staysure | Often cheaper than two individual policies (not always) | Starts at ~£20 for single trip | Automatic discount (couples/families at same address) | Single Trip, Annual Multi-Trip | Unlimited (Comprehensive and Signature), £5m (Basic) | £500-£10k (depending on plan) | £300-£5k (depending on plan) | Must be declared | Available | Covers COVID-19, No upper age limit, Optional extras (Gadget, Golf, Winter Sports, etc.), 20% off with code NWYR20 |
| Compare the Market | £4.05-£25.98 (examples given) | £2.05-£9.75 (examples given) | Up to 35% (example given) | Single Trip, Annual Multi-Trip, Backpacker | Up to £15m | Up to £7,500 | Up to £3,000 | Must be declared, specialist cover available | Available (some plans) | Free eSIM with roaming data, add-ons available |
| Asda | Cheaper than two individual policies | Starts at ~£5-£10 | Automatic discount if same address | Single Trip, Annual Multi-Trip | Up to £20m (Value), Unlimited (Superior) | Covers Coronavirus diagnosis/quarantine | Up to £2,000 | Considered, medical screening | Available (some policies) | Up to three kids go free |
| Columbus Direct | Potentially cheaper than 2 individual policies | From £2.69 (single), £22 (annual)* | Potentially cheaper than 2 individual policies | Single Trip, Annual Multi-Trip | £15m | £5,000 | £750-£2,500 (depending on policy) | Considered | Available (on some policies) | 150+ sports & activities covered, Free airport lounge access (1+ hour delay), optional Winter Sports cover |
| InsureandGo | Potentially cheaper | Starts at less than £10 | Up to 20% | Single Trip, Annual Multi-Trip | Unlimited (Black level) | Up to £10,000 (Black level) | Up to £5,000 (Black level) | Considered | Available (on some policies) | 50+ sports & activities, optional Natural Disaster cover, 24/7 emergency helpline |
| Freely | Discounted (up to 20% when travelling together) | From $4/day (Essentials) | Up to 20% | Single Trip, Multi-Trip | Unlimited (Overseas Explorer) | Customizable | Customizable | Must be declared (some automatically covered) | Available (on some policies) | Add-ons and Daily Boosts for activities, 24/7 support, app available |
| Cedar Tree Club | £17-166.20 (examples given) | From £9.95 (single), £45 (annual) | 20% for Gold Members | Single Trip, Annual Multi-Trip | £15,000,000 | £5,000 | £2,000 | Must be declared | Available (some policies) | Compared prices to other providers (Virgin Money, Insure & Go, Columbus Direct, Post Office) |
| loveit coverit | Often cheaper than individual policies | From £5.60* | Up to 10% | Single Trip, Annual Multi-Trip | £1 million-£15 million (depending on policy) | £1,000-£5,000 (depending on policy) | £750-£2,500 (depending on policy) | Must be declared | Not specified | 150+ sports and activities covered free, Optional Winter Sports cover, Free airport lounge access (1+ hour delay), Doctor Please! app (24/7 doctor access) |
| Fast Cover | Available, same benefits as individual policies | From less than $5/day | 5% or more | Single Trip, Annual Multi-Trip | Unlimited | Unlimited | Up to $15,000 | Medical screening available, can increase premiums | Available | Optional Snow Sports, Adventure Pack, Motorcycling Pack, Bicycle Pack |
| Nationwide | Available (single trip policies only) | From $8/day (single trip), $59/year (annual) | Potentially cheaper | Single Trip, Annual, Cruise | Up to $100,000 (Choice Cruise) - $250,000 (Luxury Cruise) | Up to 100% of nonrefundable trip costs (Choice Cruise) | Up to $2,500 (Choice Cruise) - $2,500 (Luxury Cruise) | Waiver available (Choice & Luxury Cruise) | Available on some plans | Nationwide Perks program (discounts and savings), Free online quotes, Annual plans from $59, Pet coverage available |
| Insured Nomads | Available | $145.60+ /month | Discounts often available | Long-term, Expat, Routine & Emergency Care | Up to $2,000,000 (World Explorer), Customizable (Connect) | Included (Guardian plans) | Included (Guardian plans) | Acute onset covered | Included in Guardian 500 Plus | Mental health and telemedicine coverage, customizable deductible, Optional Adventure Sports, Global Nomad Pass, Priority Pass, McAfee Total Protection |
