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What is Couples’ Travel Insurance,
and Do We Need It? 

Couples’ travel insurance is a joint policy that covers two adults travelling together under the same
plan. Whether you’re married, cohabiting, or civil partners, a shared policy can be a simpler and more
cost-effective way to stay protected abroad. 

At Gigasure, a couple is simply two adults living at the same UK address, no need to be married or
in a civil partnership. All couples, including LGBTQ+ partnerships, are welcome. Both travellers
must be on the same trip and covered under the same policy.

Most couples’ travel insurance policies include
cover for: 

  • Emergency medical treatment and repatriation
  • Trip cancellation or curtailment 
  • Lost baggage and valuables
  • Delays and missed departures 
  • Personal liability and legal cover 

Even the best-planned trips can take a turn, despite all the planning in the world. One joint policy means you're both covered – and supported – from start to finish. This makes the whole process simpler and more seamless for both of you. 

Why Choose a Joint Policy Instead
of Two Separate Ones? 

A shared policy can offer: 

  • One quote, one application – less admin (no one wants to deal with heaps of admin, after all)

  • One premium – often cheaper

  • One claim – faster resolution if plans change

  • Matching cover levels for both travellers

How Much Does Couples’ Travel Insurance Cost? 

Here’s a quick guide to typical prices for joint policies: 

Destination Typical Cost (per couple)
UK-only £10–£20
Europe £26–£57
Worldwide (excl. USA) £52–£88
Worldwide (incl. USA) £84–£182
UK-only
Typical Cost (per couple)
£10–£20
Europe
Typical Cost (per couple)
£26–£57
Worldwide (excl. USA)
Typical Cost (per couple)
£52–£88
Worldwide (incl. USA)
Typical Cost (per couple)
£84–£182

The prices above are based on a 7-day trip for a couple in their 20s with no preexisting medical conditions. 

Tip: If you’re planning more than two trips a year, annual cover often works out cheaper. 

What Affects the Price of Your Policy? 

Several factors can influence your premium: 

  • Your destination 
  • Trip length 
  • Ages of both travellers 
  • Pre-existing medical conditions 
  • Pre-existing medical conditions 
  • Activities like skiing or cruising 
  • The level of excess you choose 

What’s Included and What’s Not 

Covered

Check Emergency medical & repatriation 
Check Trip cancellation or curtailment 
Check Baggage & valuables 
Check Delays & missed departure 
Check Personal liability & legal help 

Not Covered (unless added or declared) 

Cross Undeclared medical conditions 
Cross Travel to red-list or FCDO-warned areas 
Cross Unattended or lost property without proof 
Cross Incidents involving alcohol or drugs 
Cross Adventure sports without the right add-on 

Always check your full policy wording to know exactly what’s covered and what is not. We recommend
doing this well in advance of your trip so you can make any changes if needed. 

Do We Need Insurance if We’ve Got a GHIC? 

Yes. While a GHIC (or EHIC) provides emergency healthcare access in EU countries, it
doesn’t replace travel insurance.

It won’t cover the following: 

  • Private hospitals or treatment
  • Repatriation to the UK
  • Non-medical issues like cancellations or theft

Also, each traveller needs their own GHIC, as one card
doesn’t cover two people. This is a common
misconception for couples, so please, remember this.

Single-Trip or Annual Multi-Trip: Which Is Better? 

Feature Single-Trip Annual Multi-Trip
Best for One-off holidays 2+ trips per year
Valid for One specific trip Trip limit depends on cover level, but it can cover a maximum of 183 days abroad per year in total
Cost Lower for short breaks Better value across multiple holidays
Travelling separately? Not relevant Couples can travel separately as well under the Gigasure cover
Single-Trip
Best for
One-off holidays
Valid for
One specific trip
Cost
Lower for short breaks
Travelling separately?
Not relevant
Annual Multi-Trip
Best for
2+ trips per year
Valid for
Trip limit depends on cover level, but it can cover a maximum of 183 days abroad per year in total
Cost
Better value across multiple holidays
Travelling separately?
Couples can travel separately as well under the Gigasure cover

Optional Add-Ons to Personalise Your Policy 

At Gigasure, we believe that a one-size-fits-all approach to your policy is no good. That’s why we
proudly offer a range of add-ons to help you customise your policy to fit your needs, ensuring
you are not paying for a policy that is not working for you.

Our add-ons include the following: 

  • Winter sports – covers skiing and snowboarding (for the adventurous couples amongst us!) 
  • Cruise cover – for missed ports or onboard medical costs  
  • Gadget insurance – protects phones, tablets, e-readers 
  • Separate product –Car Hire Excess – avoids large rental charges for car hire damage 

What If One of Us Has a Pre-Existing Condition?

We’ll guide you through your options clearly and fairly, but it’s imperative that you tell us about any pre-
existing condition so you can ensure you get a policy that suits your unique needs. Failure to declare a
condition can lead to a policy that does not provide the coverage you need. 

You’ll need to declare it when getting a quote. Depending on the condition, it may: 

  • Declare all pre-existing conditions when getting your quote
  • Increase your premium 

Gigasure App, the Fastest Way to Make a Claim

The Gigasure app takes the hassle out of submitting claims. Simply log in, select the relevant policy, and kickstart
the process. The app pre-populates most of the required information available on your account, eliminating
the need to search through old emails or documents. From there, just follow the remaining steps,
and you can submit your claim in moments. It's a seamless, streamlined experience that gets
your claim submitted quickly, saving you valuable time and frustration.

1

Your Policy

Find and select your policy
2

Your Trip

Provide details
of your trip
3

Your Claim

Tell us more
about the claim
4

Supporting Documents

Attach all your claim
supporting documents
5

Submit

Add your payment
details and submit your
claim

Submit your claim now

Why Couples Choose Gigasure

1
One clear policy for both people for a simple,
seamless process 
2
Easy, jargon-free quote process that is made
with real people in mind 
3
UK-based customer support to ensure you get the service
you deserve 
4
Fair pricing with no sneaky exclusions; we believe in being as
upfront as possible 

5
Trusted by thousands of UK travellers looking for customisable,
reliable policies 

Frequently Asked Questions 

How much is annual travel insurance for a couple? 
Annual European Travel Insurance for a couple typically starts from £40, depending on your ages, any pre-existing
medical conditions, and where you’re travelling. European cover tends to be more affordable than worldwide
policies, and if you’re planning more than one trip a year, an annual policy can often save you money and hassle.
Think of it as one less thing to sort out every time you book a flight. 
Can I buy travel insurance just for my partner or myself?
Absolutely, you can each take out your own policy if you prefer. But if you’re travelling together, a joint or couples’
policy may be cheaper, with less paperwork and just one set of documents to keep track of. It can also make life
easier if you ever need to claim, since the policy covers you both under the same terms. 
Does joint travel insurance cover us equally? 
Yes. With a couples’ travel insurance policy, both of you are named individually and covered equally. That means
you’ll each have the same level of protection, whether it’s for medical expenses, cancellations, or lost baggage.
You’re treated as two people on one policy, not one person tagging along, so you’ll both be looked after properly if
something goes wrong. 
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