Couples’ Travel Insurance

Holidaying as a couple? Compare your travel insurance options with Savvy and find the cover of your choice.

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, updated on September 4th, 2023       

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Taking a trip with your significant other can be the perfect way to create shared memories, whether you’re heading to Las Vegas to tie the knot, honeymooning on the Whitsundays or just soaking up the French culture in Paris. No matter where you are, though, having the right travel insurance if you’re a couple is essential, and Savvy can help you find it.

Comparing with us lets you consider the benefits and detriments of each travel insurance policy to find one that suits you perfectly. Before you jet off together, compare with Savvy and save time and money today.

What is couples’ travel insurance and how does it work?

Travel insurance companies allow two people to be included under the same policy, which can be handy if you’re holidaying as a couple. These are typically called ‘duo’ policies by most providers. This doesn’t just apply to those in a romantic relationship, though, as most insurers also allow you to take out dual policies if you’re housemates, friends or relatives. Most will allow you to take out policies that can last up to 12 months from start to finish, with the option to extend up to a maximum of two years.

Taking out one policy for two people is often cheaper than purchasing individual policies if you decide to split the cost of your travel insurance between the two of you. In most cases, dependents, such as children or grandchildren, won’t be able to be covered under this type of policy. However, providers offer family policies which are a suitable alternative if you have children.

As a couple, what does travel insurance cover us for?

Travelling with your soul mate? Travel insurance for couples can offer you a wide range of benefits, depending on the level of coverage you choose to purchase. Most comprehensive travel insurance policies will offer you the following benefits:

  • Overseas medical and hospital expenses: accidents can happen no matter where you are in the world. If you require medical attention because you’ve fallen ill or suffered an injury due to a covered incident, your medical expenses can be covered by your insurance company. This includes if you require repatriation or evacuation because your situation has taken a turn.
  • Around-the-clock support: if you need to get in touch with your insurance company because you’re in a medical emergency or have a question about your policy, you can contact them 24/7 via phone or online.
  • Cancellation: the unexpected can happen right before you’re meant to leave on your holiday. If one of you falls sick and can’t travel, your travel insurance covers the cost of calling off your trip, including getting refunds for any pre-paid costs including flights, hotels and any tours up to your claim limit. You can also be reimbursed for travel agent fees.
  • Delay and disruption: certain travel insurance policies can cover you for a set amount for each day your travel is delayed by more than 24 hours. They’ll also cover the costs of accommodation, food and the bare necessities if your bags are also in flux.
  • Lost or damaged luggage: it can be annoying if your bags don’t turn up on the baggage carousel or they’re looking a little worse for wear. The good news is most top-level cover includes protection for your personal belongings, allowing you to claim for their repair or replacement.
  • Passport or credit card fraud: there’s nothing more important to your holiday than your passport and your money. If these valuable items get lost or stolen, your insurance company can cover the cost of their replacement so you can get back to enjoying your holiday.
  • Personal liability: if you or your partner are found to be personally responsible for the damage or injury of someone or something at your destination, your insurer can cover up to $5 million in legal fees.
  • Theft of cash: if you’re enjoying a European holiday when a pickpocket strikes out of nowhere, most insurance companies allow you to claim up to $250 in stolen cash, as long as it’s been reported to the relevant authorities.

How should we compare couples’ travel insurance?

Some magical memories can be made when you take a holiday with another person. Whether you’re planning a trip to Hungary to soak up some of Budapest’s ornate architecture or just taking a drive into the Australian outback, it’s important to compare couples’ travel insurance to ensure you find the best bang for your buck. A few of the factors worth comparing include:


The price of premiums can vary depending on the provider you choose. However, the cheapest won’t always be the best when it comes to travel insurance. Get a few travel insurance quotes and do a price match with competitors to see which offers the cheapest price for the most coverage.

Inclusions and exclusions

Comparing with Savvy doesn’t just allow you to get quotes, but it also lets you do a side-by-side comparison of what’s included in policies (and what isn’t) to see which one works better for you. For example, this can be helpful if you’re wanting to see which travel insurance covers COVID-19-related costs.


How much your insurer makes you pay to claim against your policy varies between providers. Most excesses range from $100 to $250, but some companies won’t make you pay a cent in certain circumstances. A cheap excess isn’t always the best option, as it’ll likely mean you’re paying more for your policy when you purchase it, so it pays to shop around so you can find one that suits you.

Claim limits

Providers have certain limits on how much you can claim for incidentals such as lost luggage and cancellation. For example, some allow you to claim up to $15,000 if your bags are lost or stolen, while other providers only let you claim up to $10,000. Comparing allows you to find a set of limits suitable for the trip you’re planning.

Types of policies

Travel insurance comes in all shapes and sizes, with providers often giving you the option of single, one-way or annual policies. Compare the features of each of these styles of policies and see which works best for your circumstances. For example, if you’re a couple that’s frequently jetting off cross-country or overseas, an annual policy may be cheaper and less hassle.

Types of travel insurance

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Answers to your questions about couples' travel insurance

Can we travel separately on couples' travel insurance?

Most travel insurance providers require couples to travel to the same destinations and arrive and depart together. However, there’s no requirement to spend every waking moment together, so many providers will allow you to soak up the sights separately.

Does travel insurance cover us if we break up before our trip?

In most cases, you won’t be covered by your travel insurance if you need to cancel your holiday due to separation or divorce.

Can you take out couples' travel insurance over 65?

Yes – many providers allow you to purchase a joint policy if you’re senior travellers. However, age limits will still apply, so it’s best to check these before you settle on a particular option. Age limits range from 70 to 130 years old, depending on who you choose to purchase through.

What happens to our couples’ policy if one of us dies?

If you or your travelling companion pass away due to a covered incident while you’re on your holiday, your travel insurance provider covers the cost of bringing your or your loved one’s body back to Australia. Most policies will also cover the cost of any related funeral expenses.

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We do not compare all travel insurance brands currently operating in the market. Any advice presented above or on other pages is general in nature and does not consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy.

Savvy earns a commission from our partners each time a customer buys a travel insurance policy via our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via their websites.

Before purchasing your policy, we recommend you refer to the provider’s PDS for any further information on the terms, inclusions and exclusions.