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Couples travel insurance

Couples travel insurance

Compare couples travel insurance quotes from £7.38*

Choose from single-trip, multi-trip or backpackers travel policies
Tailor your policy with a range of add-ons
Compare quotes from up to 47¹ trusted UK travel insurers

*The cheapest single trip policy based on 2 adults aged 30, with no previous medical conditions travelling in Spain for 1 week. Confused.com data, June 2024.
**eSIM comes with pre-funded credit and the amount of data received in exchange, will vary based on the specific country you select. Compatible devices only. T&C's apply.
¹Correct as of July 2024

What is couples travel insurance?

Couples travel insurance, also known as joint travel insurance, is a type of policy designed to cover 2 people travelling together.

It's the same as regular travel insurance. But, it covers both people under one policy. For a couple to qualify, both individuals must be over 18 years old and living at the same address.

Couples' travel insurance can be useful when both travelers have an issue, like delayed flights or lost luggage. You can choose what type of travel insurance policy best suits your needs. For example, single-trip, annual and backpackers' insurance.

How to compare couples travel insurance quotes

Tell us about your trip

Share a bit about your trip, like where you're headed, your travel dates, and if you're going solo or together.

Tell us about your cover

Let us know if you need any extra cover or have any pre-existing medical conditions.

Compare quotes

We'll show you travel insurance quotes from trusted UK providers. Pick the policy that suits you best.

When comparing quotes with Confused.com, the costs shown are for both individuals together, not per person.

What our travel insurance expert says

"Couples' travel insurance can often be cheaper comapred to buying individual policies. But if one of you has a pre-existing medical condition, it might be a different story. It's always a good idea to compare quotes to see what's best for you both."

Alvaro Iturmendi - Confused.com travel insurance expert

Alvaro Iturmendi Travel insurance expert

What does couples travel insurance cover?

Exactly what's covered can differ between providers, so it's important to review the details of the policy carefully before buying your insurance.

What's normally covered:

Medical treatment: Anyone listed on your policy will be covered for emergency medical treatment while you're on your trip.
Cancellation cover: Provides cover for your flights or accommodation if you need to cancel your holiday unexpectedly.
Theft, accidental damage, or loss: If your personal possessions or baggage go missing or are damaged while you're on holiday. Note that in most cases the maximum amount is shared between both travellers. So, for £1000 cover, you might only get £500 each.
Emergency repatriation: If you or anyone listed on your policy falls ill or is seriously injured during your trip and needs to return home.
Travel disruption: If you're unable to make your onward travel plans because of bad weather, strikes, or mechanical issues.

What's normally excluded:

Travelling against FCDO advice: If you travel to a country that the FCDO advises against, you won't be covered. This includes countries with travel warnings or any safety and security concerns.
Pre-existing medical conditions: Any medical conditions that aren't declared when you buy your policy won't be covered. You might need a specialist policy for these conditions.
Incidents involving drugs or alcohol: Any injuries that have occurred while under the influence won't be covered.
Known events: This includes natural disasters. If an event like this occurs before you buy your policy and you still travel, you won't be covered.
Extreme sports or activities: Activities like scuba diving or skiing usually require a specialist activity travel insurance or winter sports policy. If you want to play a lot of golf on your trip, you'll need specialist golf cover.

Some conditions won't be covered by all providers, so a specialist policy might be needed.

Is couples travel insurance cheaper than taking out individual policies?

When considering cost, a couple's policy can be cheaper than two individual policies:

Single-trip travel insurance: You could get a couples' single-trip travel policy for £7.38*, while an individual policy is £5.21².
Annual travel insurance: You could get a couples' annual European policy for £18.45³, while for an individual it's £10.85⁴.

However, if one person has a pre-existing medical condition, a joint policy could cost more than 2 individual policies. For example, a joint single-trip policy with one partner declaring anxiety as a medical condition is £13.67⁵, while an annual policy is £26.57⁶.

Ultimately, the right cover is more important than the cheapest policy. Having enough cover for your specific needs is a priority.

²The cheapest single trip policy based on 1 adult aged 30, with no previous medical conditions travelling in Spain for 1 week. Confused.com data, June 2024.
³The cheapest annual policy based on 2 adults aged 30, with no previous medical conditions travelling in Europe. Confused.com data, June 2024.
⁴The cheapest annual policy based on 1 adult aged 30, with no previous medical conditions travelling in Europe. Confused.com data, June 2024.
⁵The cheapest single trip policy based on 2 adults aged 30, with one person listing anxiety as a medical condition, travelling in Spain for 1 week. Confused.com data, June 2024.
⁶The cheapest annual policy based on 2 adults aged 30, with one person listing anxiety as a medical condition, travelling in Europe. Confused.com data, June 2024.

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What if me and my partner don't live together?

To qualify for a couples travel insurance policy, you need to live at the same address. If you don't, consider other options like group travel insurance.

Can I travel alone on a couples policy?

Whether you can travel alone on a couple's policy depends on the specific terms of the policy. Some annual policies allow solo travel. This can be useful if you're planning trips with friends or visiting family abroad without your partner. Always check the policy details to understand what's covered.

Why use Confused.com to compare couples travel insurance quotes?

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Need more help?

Do we have to be married or in a civil partnership to get couples travel insurance?

No, you don't need to be married or in a civil partnership. The requirements are simple. Both people must:

Be over 18
Live together
Be in a relationship

Types of travel insurance

Family travel insurance

Means you can get one policy that covers everyone, rather than buying individual policies.

European travel insurance

It will cover you for any holidays that you've got planned in Europe this year.

Long stay travel insurance

Is the perfect policy for those who plan to travel for an extended period.

Over 50's travel insurance

Allows you to easily get a quote for travellers over the age of 50.

Worldwide travel insurance

Will cover you for travel to multiple locations around the world.

Activity travel insurance

Will cover you if you’re planning an action-filled sports trip. <style> </style>

Pregnancy travel insurance

Helps provide peace of mind for any unexpected problems while away. <style> </style>

Ski travel insurance

Is a specialist winter sports policy that covers you against slope injuries.

Travel insurance guides

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