Call us hopeless romantics, but when we think of couples traveling together, we can’t help but think of all the travel insurance facts they need to know to protect their trip. While married couples living together will find it easier to insure a trip together, non-married couples need to be a little more aware. Here are some lesser-known tidbits that could help you and your significant other avoid unexpected travel costs and stay focused on each other.
Proof of Domestic Partnership
Most travel insurance companies will allow you and your domestic partner to be listed on the same plan and define the two of you as family members. Depending on the policy you choose, documentation of your partnership may be needed if you file a claim. The provider might ask for proof that you and your partner have shared a home for a specified amount of time (this could be anywhere from six months to a year. The company may also ask you to provide documents showing that the two of you are financially interdependent in some way. This could be determined through a copy of a shared lease or a jointly held bank account. Keep in mind, these benefits may be contingent on whether the state you reside in legally recognize domestic partnerships.
Living Separately, Insuring Together
If you and your significant other live separately, you may not be able to be covered under the same travel insurance plan. While insurance companies generally prefer that everyone on a plan are residents of the same household, it may not be a requirement for all plans. If you and your valentine are living separately but insuring together, be aware that any paperwork related to your plan – particular in the event of the claim – will only be sent to one of you (the person listed as the primary traveler on the insurance plan itself).
If the two of you happen to live in separate states, you may not be legally able to share a plan since states’ regulations vary. A call to our Customer Care Center would be the best way to find out if there’s any policy that will allow you to insure jointly in this instance.
Disclaimer: The information contained in this article serves as a general overview of benefits and should only be used for informational purposes. Refer to your individual certificate of insurance for specific coverages, exclusions and benefits. When in doubt, please contact one of our licensed agents for additional assistance.
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Question
If me and my girlfriend wish to insure together, would that be allowed and covered? We are not married, or living together. Thanks
By MikeS - January 5, 2018
Answer
As long as you live in the same state and travel on the same dates, you can be on the same comprehensive policy together with most providers. If you are buying a single trip medical plan for an international trip, you would need to purchase separate policies as those plans only allow you and a spouse or dependent children to be insured together on the same policy.
By MattG - January 11, 2018
Question
How much time can elapse between making a reservation and obtaining trip cancellation insurance?
By Lorie - July 3, 2019
Answer
You can purchase most policies up until the day before departure, however; you may not be eligible for some time sensitive benefits if you do not purchase within 10-21 days of the initial trip deposit/payment. Some time sensitive benefits are, but not limited to: Pre-Existing Condition Waiver, Financial Default, Terrorism, Cancel For Any Reason and Cancel For Work Reasons.
By MattG - July 6, 2019
Question
If we get couples travel insurance and one person cannot travel does this give both of us back our money or just for the person that cannot travel?
By CheriP - February 24, 2020
Question
When traveling with my wife should I split the trip cost in two or submit the entire insurance cost under one spouse? For example if the total cost is $5000, should I submit $2500 each?
By CAMERONC - April 7, 2021
Answer
The quote form on our website asks for the total trip cost for all travelers listed. If you are quoting two travelers, and the total cost of the trip for the two of you is $5000, please list $5000 as the trip cost. Trip Cancellation provides reimbursement for many different covered reasons listed in the policy certificate. To see all of the covered reasons to cancel or interrupt your trip, please click on the dollar amount ($2500) that appears under the words "Trip Cancellation" when viewing a quote. The coverage limits displayed are per person limits. Trip Cancellation reimburses 100%.
By MattG - April 8, 2021
Question
We are planning a family trip with 3 couples all related to a VRBO home rental. If one of the couples can't travel for a qualified reason will trip insurance cover their portion of the cost under a single policy if the other two couples still go?
By CarlB - August 1, 2022
Answer
Yes, if one traveler or couple that is insured has to cancel for a covered reason, they can file a claim for their portion of the total trip cost if everyone else still decides to take the trip. To see all of the covered reasons to cancel or interrupt your trip, please click on the dollar amount that appears under the words "Trip Cancellation" when viewing a quote.
By MattG - August 6, 2022
Question
We are traveling with another couple. Our purpose is to be together on a cruise. If one couple has to cancel for a covered reason, can the other cancel as well since we would not be making the trip together. Is there any insurance that allowed this?
By Christie - November 15, 2022