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Couples travel insurance

Compare couples travel insurance quotes from £4.05*

Choose from single-trip, multi-trip or backpackers travel policies
Tailor your policy with a range of add-ons
Compare quotes from up to 44¹ trusted UK travel insurers

*The cheapest price for a single-trip travel insurance policy. Based on 2 30-year-olds with no previous medical conditions travelling to France for 3 nights. Confused.com data - November 2024.
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¹Correct as of October 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 travellers 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 insurance, annual travel insurance and backpackers travel insurance.

So, if you're booking a weekend away and are looking for city break insurance, or you're buying your honeymoon insurance, a joint travel insurance policy could be worth considering!

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.

Helpful tip: 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 travel insurance normally covers:

Medical expenses cover: Anyone listed on your policy will be covered for emergency medical treatment while you're on your trip.
Travel cancellation cover: Provides cover for your flights or accommodation if you need to cancel your holiday unexpectedly.
Baggage cover: Offers cover if your personal possessions or baggage are lost, damaged or stolen. Note that in most cases, the maximum amount is shared between travellers. So, for £1,000 cover, you might only get £500 each.
Emergency repatriation cover: If you or anyone listed on your policy falls ill or is seriously injured during your trip, your travel insurance will cover the costs associated with getting you home for treatment.
Travel disruption cover: If you're unable to make your onward travel plans because of bad weather, strikes, or mechanical issues.

Typical travel insurance exclusions:

Travel 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 and terrorism. If an event occurs before you buy your policy and you still travel, you won't be covered for any incidents.
Extreme sports or adventure activities: Activities that are considered risky generally need enhanced activity travel insurance, like water sports travel insurance or extreme sports travel insurance.

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 couples policy can be cheaper than two individual policies:

Single-trip travel insurance: You could get a couples' single-trip travel policy for £4.05*, while an individual policy is £2.05².
Annual travel insurance: You could get a couples' annual European policy for £18.30³, while for an individual it's £9.75⁴.

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 £5.80⁵, while an annual policy is £25.98⁶.

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

²The cheapest price for single-trip travel insurance. Based on 1 adult aged 30 with no pre-existing medical conditions, travelling in France for 3 nights. Confused.com data, November 2024.
³The cheapest price for European annual travel insurance. Based on 2 adults aged 30 with no pre-existing medical conditions. Confused.com data, November 2024.
⁴The cheapest price for European annual travel insurance. Based on 1 adult aged 30 with no pre-existing medical conditions. Confused.com data, November 2024.
⁵The cheapest price for single-trip travel insurance. Based on 2 adults aged 30, where one individual declares anxiety as a pre-existing medical condition, travelling in France for 3 nights. Confused.com data, November 2024.
⁶The cheapest price for European annual travel insurance. Based on 2 adults aged 30, where one individual declares anxiety as a pre-existing medical condition, travelling in France for 3 nights. Confused.com data, November 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.

If I have couples travel insurance, can I travel alone?

Whether you can travel alone on a couples' 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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⁷Correct as of August 2024