Couples Travel Insurance
Couples travel insurance offers a straightforward way for two people to travel under one policy. Ideal for holidays, extended trips or round-the-world journeys, it ensures you both benefit from the same comprehensive cover, wherever you’re headed.
Plan Options
What is Travel Insurance for Couples?
Travel insurance for couples is a joint policy that covers two people travelling together. It offers the same protection as individual cover, such as medical expenses, trip cancellation, and lost luggage, but under one plan. It’s a convenient and often more cost-effective option for partners planning to travel together, whether for a short break or an extended trip abroad.
Where do you cover?
Exploring new destinations as a couple is an exciting way to travel, and with Expatriate Group’s couples travel insurance, you’ll be covered throughout your journey across Europe or further afield.
Our policy provides protection from the moment you purchase and enter your travel dates, all the way until you return home.
Please note, we are unable to offer travel insurance for couples departing from Benin, Burkina Faso, Dominican Republic, Ivory Coast, Nigeria or Senegal.
Where do you cover?
Policy Benefits
Key Benefits of our Couple Travel Insurance
Our couples travel insurance is designed to make travelling together simpler and more secure. We understand that every couple travels differently, with their own priorities and budget. That’s why we offer a core international travel insurance policy with optional add-ons and destination-specific tailoring, allowing you to customise your cover and premium to suit your trip together.
Emergency Medical Evacuation
In the event of a serious illness or injury while abroad, couples travel insurance includes emergency medical evacuation. If appropriate treatment isn’t available locally, we’ll arrange and cover the cost of transporting you to the nearest suitable medical facility. This ensures you both receive the care you need, without facing unexpected costs or logistical stress.
Emergency & Accidental Medical Treatment
If you or your partner require urgent medical attention while travelling, our couples travel insurance covers the cost of emergency and accidental medical treatment. This includes hospital stays, doctor’s fees, and prescribed medication, helping you avoid high medical bills and focus on recovery.
Enhanced Benefits & Protection
Our couples travel insurance offers the option to add extra cover, such as winter sports, adventure activities, or higher limits for valuables and cancellations – giving you greater protection tailored to your trip.
Cancellation and Curtailment Cover
If you or your partner need to cancel or cut short your trip due to unforeseen events, our comprehensive option helps recover non-refundable costs, giving you financial peace of mind when plans change unexpectedly.
COUPLES TRAVEL INSURANCE
The Benefit Schedule
The benefit schedule below is applicable to Expatriate Group’s Travel Insurance for Couples. It is a summary of travel cover and must be read in conjunction with the policy wording. All coverages and plan costs listed in this schedule of benefits are in Euros, dollars, and pounds. All benefits will be reimbursed at Usual, Customary and Reasonable (UCR) charges where applicable. Amounts shown are the maximum per policy and period of cover, except where otherwise stated.
| BASIC Medical Treatment & Evacuation | |||
|---|---|---|---|
| Emergency and Accidental Medical Treatment | €/$1,000,000 | ||
| Emergency Medical Evacuation | €/$100,000 | ||
| Air Ambulance | 100% per Trip | ||
| Accompaniment | $/€300 per day up to $/€3,000 per Trip | ||
| Continuation | $/€5,000 per Trip | ||
| Repatriation for Medical Treatment | 100% per Trip | ||
| Care Management | 100% per Trip | ||
| Acute/emergency Sickness and Injury | 100% per Trip | ||
| Treatment by authorized physicians, nurses and specialists | 100% per Trip | ||
| Hospitalization (semi-private rooms) | 100% per Trip | ||
| Surgery, anesthesiologist | 100% per Trip | ||
| Prescribed medicines, dressings | 100% per Trip | ||
| Local transport to and from the place of treatment | 100% per Trip | ||
| Treatment by physiotherapists and chiropractors | $/€2,500 per Trip | ||
| Medically Necessary required durable medical equipment | 100% per Trip | ||
| Limited motorcycle and sports vehicle coverage for injuries only | $/€10,000 per Trip | ||
| Emergency dental treatment for immediate relief of pain | $/€500 per Trip | ||
| Non-Hazardous Sports Coverage | $/€150,000 per Trip | ||
| Other Benefits | |||
| Repatriation of Mortal Remains | $/€25,000 per Trip | ||
| ATMSafe | $/€500 per Trip | ||
| STANDARD Enhanced Benefit Options | |||
| Emergency and Accidental Medical Treatment | €/$1,000,000 | ||
| Emergency Medical Evacuation | €/$100,000 | ||
| Baggage Delay 1 | $/€100 per day up to $/€700 per Trip | ||
| Baggage Loss/Theft | $/€500 per Item up to $/€2,500 per Trip; subject to $/€100 Deductible per Trip | ||
| Personal Liability | $/€100,000 per Trip | ||
| Accidental Death & Disability / Permanent Total Disability | $/€100,000 per Trip | ||
| Additional Hospital Benefit (per day / total benefit) | $/€75 per day up to $/€600 per Trip | ||
| Physical Assault | $/€5,000 per Trip | ||
| Money and Documents (tickets, cash, banknotes) | $/€500 per Trip | ||
| Loss of Passport | $/€250 per Trip | ||
| Travel Delay 1 | $/€100 per day up to $/€1,000 per Trip | ||
| Missed Departure | $/€1,000 per Trip | ||
| Legal Expenses | $/€10,000 per Trip | ||
| Hijacking | $/€1,000 per Trip | ||
| Emergency evacuations for Non-Medical reasons, including War, Civil Unrest, or Natural Disasters | $/€1,500 per Trip | ||
| 1. Benefit does not apply to One Way Trips | |||
| COMPREHENSIVE Cancellation and Curtailment Cover | |||
| Emergency and Accidental Medical Treatment | €/$1,000,000 | ||
| Emergency Medical Evacuation | €/$100,000 | ||
| Cancellation and Curtailment 2 | $/€2,000 per Trip; subject to $/€100 Deductible per Trip | ||
| Compassionate Repatriation (Family Return) | $/€6,000 per Trip | ||
| 2. Benefit not available to residents of the USA | |||
|
Add On Option 1 Winter Sports Package – Limited to 21 days aggregate per Policy Period |
|||
| Ski Equipment | |||
| Owned | Up to $/€300 | ||
| Hired | Up to $/€300 | ||
| Single item limit | $/€300 | ||
| Unreceipted Items Limit | Up to $/€150 | ||
| Unreceipted Single Item Limit | Up to $/€50 | ||
| Ski Hire | $/€25 per day up to $/€300 | ||
| Ski Pack | $/€25 per day up to $/€300 | ||
| Piste Closure | $/€25 per day up to $/€300 | ||
| Delay Due to Avalanche | Up to $/€300 | ||
|
Add On Option 2 Business Equipment & Money |
|||
| Business Equipment | Up to $/€1,500 | ||
| Single Item Limit | $/€500 | ||
| Computer Equipment Single Item Limit | $/€750 | ||
| Samples Limit | $/€400 | ||
| Unreceipted Items Limit | Up to $/€300 | ||
| Unreceipted Single Item Limit | $/€50 | ||
| Delayed Business Equipment | $/€100 per day up to $/€300 | ||
| Emergency Courier of Essential Business Equipment | Up to $/€400 | ||
| Business Equipment Hire | $/€100 per day up to $/€500 | ||
| Business Money | Up to $/€500 | ||
| Cash Limit | $/€200 | ||
|
Add On Option 3 Golf Cover – Limited to 21 days in aggregate per Policy Period |
|||
| Golf Equipment | Up to $/€1,000 | ||
| Single Item Limit | $/€200 | ||
| Unreceipted Items Limit | Up to $/€300 | ||
| Unreceipted Single Item Limit | $/€50 | ||
| Golf Equipment Hire | $/€50 per day up to $/€250 | ||
| Non-Refundable Golfing Fees | $/€50 per day up to $/€250 | ||
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Couples Travel Insurance FAQs
What does couples travel insurance cover?
Couples travel insurance provides protection for two people travelling together under one policy. It typically covers emergency medical treatment, trip cancellation or interruption, lost or delayed luggage, and travel delays. The cover ensures both travellers are protected for the duration of the trip, which can make it easier to manage both of your insurance needs.
Can I add extra activities to my couples policy?
Yes, Expatriate Group offers you the choice to include additional cover for specific activities such as winter sports, business equipment, and golf. These extras are important if your trip involves higher-risk activities that aren’t covered by a standard policy. You should always check what activities are included or excluded in your policy, and consider adding cover if you plan to take part in anything beyond typical sightseeing.
Is couples travel insurance cheaper than two individual policies?
In most cases, couples travel insurance is more cost-effective than purchasing two separate policies. By combining both travellers under one plan, insurers often offer a discount compared to buying individual cover. It also simplifies your admin requirements, as you only have one policy to manage and one premium to pay, which can reduce hassle.
Can both travellers have different travel dates on one policy?
Generally, couples travel insurance requires both travellers to share the same travel dates on a single policy. This is because the cover applies to the journey as a whole. If your plans differ significantly, you might need separate policies or to discuss options with your insurer to ensure both trips are fully covered.
What happens if one person needs to cancel the trip?
If one person has to cancel due to illness, injury, or another covered reason, the cancellation cover usually protects both travellers by reimbursing any non-refundable costs. This means you won’t lose the money paid for flights, accommodation, or other pre-booked arrangements if the trip cannot go ahead as planned because one of you cannot travel.
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