What is couples' travel insurance?
Couples travel insurance is a policy designed to cover two people who are in a relationship and travelling together. Whether you're heading off on a romantic city break, a beach holiday in the Med, or backpacking across Southeast Asia, this type of policy provides joint cover under one plan.
It typically includes protection for medical emergencies, trip cancellations, lost baggage, delays, and more, just like a standard single policy. But with couples insurance, you’ll both be covered under the same policy, making it simpler and often cheaper than buying two separate plans.
Do you need couples' travel insurance?
If you’re an Irish couple heading abroad together, a joint policy is often the smartest and most cost-effective way to get protected. It’s not a legal requirement by any means, but here’s why it should be an essential part of your trip:
- It’s often cheaper. A couple's policy can cost less than buying two separate single policies.
- It’s more convenient. Fewer forms, one renewal date, and less admin to worry about.
- You’re covered together. Almost one in three travel insurance claims from Irish travellers are due to cancelled trips. If you both need to cancel due to illness or an emergency, your policy has you both covered.
- Tailored for real travel plans. Whether it’s one trip or several over the year, you can get single-trip or annual cover for both of you.
Whether you're off on a weekend in Rome or exploring the history of Egypt, having joint travel insurance helps make sure your getaway is remembered for the right reasons.
Is couples' travel insurance cheaper than two separate single policies?
In most cases, yes. Couples' travel insurance tends to be more cost-effective than buying two individual policies. It also streamlines the process: one application, one renewal date, one set of documents. That means less admin and better value for your money.
It’s worth noting that the exact savings can vary based on your ages, destination, trip length, and any pre-existing conditions. But generally speaking, Irish couples travelling together will find that a joint policy is the more budget-friendly option.
The only time it may not be cheaper is if you and your partner have very different circumstances. For example, if:
- One of you might want adventure sports cover for paragliding in Turkey or skiing in Canada.
- The other may need cover for pre-existing medical conditions, like asthma or diabetes.
- You might also want to make sure your luggage and valuables are protected if you’re bringing electronics or particularly expensive items.
A joint policy is still a great option if you’re travelling as a couple, and is usually cheaper than two separate plans.
Who is couples travel insurance for?
Couples' travel insurance is designed for two people travelling together on the same trip. That said, you’d need to have been living at the same address for more than 6 months to qualify.
This type of policy is ideal for:
- Holidaying couples. Whether you're heading off on a staycation in Ireland, a romantic city escape to Spain (around 2.5 million Irish tourists travel to Spain annually), or a summer getaway to the States.
- Couples on cruises or tours. Where you’re both booked on the same organised itinerary and staying together throughout.
Couples’ policies are tailored for two people only. If you’re travelling with children, friends or extended family, a family or group travel insurance policy may be a better fit.
Can I travel alone with couples' travel insurance?
Couples' single trip insurance is designed to cover two people travelling together on the same itinerary. In most cases, both people named on the policy must be travelling together for the cover to apply. If one of you travels without the other, your policy might not be valid for that trip, especially for cancellation or medical claims.
However, if you’re planning on taking several trips over the next 12 months, then our couples' annual multi-trip policy allows you each to travel alone. The same goes for our group travel insurance policies, which can cover up to 10 people.
What does JustCover’s couples travel insurance cover?
This type of policy is designed to protect you and your partner from any accidents, illnesses or general hiccups from the moment you book to the time you fly back to Ireland. From medical emergencies to lost baggage and flight delays, the right cover goes a long way. For full details of what is and isn’t included, read our Policy Wording.
What's covered
Emergency medical expenses – Covers treatment, tests and medication for illness or injury abroad. Includes repatriation to bring you home.
Cancellation – Unexpected event changed your travel plans? Your flight and accommodation costs are covered.
Curtailment – Protection if you need to cut your trip short due to an emergency.
Travel delay – Compensation for delays that affect your journey.
Personal belongings – Cover for lost or stolen baggage and its contents.
Personal liability – Covers legal costs if you injure someone or damage property.
Legal protection – Assistance with legal expenses if you need to claim damages while travelling.
What's not covered
Claims below the excess – Any claim must exceed your chosen excess amount.
Trips outside your cover region – Your policy must match the destination you’re travelling to.
Known events – Situations you knew about before booking aren’t covered.
Undeclared medical conditions – You must tell us all your pre-existing conditions when buying your policy.
Voluntary cancellation – You won’t be covered if you simply decide not to travel.
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The benefits of couples’ travel insurance
Choosing couples travel insurance over two individual policies has a few big advantages, especially if you're heading abroad together more than once a year.
- Better value and less admin. Couples’ policies often work out cheaper than buying two separate single policies. Plus, one shared set of documents and one renewal date keeps things simple!
- Joint cover for shared plans. If your trip gets cancelled, delayed, or cut short, the policy can cover both of you under the same claim.
- Emergency help for both travellers. If something unexpected happens, you’re both protected, whether it’s lost baggage, illness, or a missed flight.
- Flexible add-ons. Tailor the policy to suit your needs. For example, one of you might need cover for adventure sports.
How much is couples' travel insurance?
The cost of couples’ travel insurance varies depending on a few key things, just like with any travel policy. The good news is that it’s often cheaper than taking out two separate single policies.
Here's what typically affects the price:
- Destination. Travel in Europe is usually cheaper to insure than trips to the USA, Canada or Asia.
- Trip duration. Longer couples’ holidays will usually cost more to insure than quick weekend breaks.
- Policy type. Single-trip cover is cheaper upfront, while annual multi-trip policies offer better value if you and your partner travel often.
- Your ages. The cost may increase with age, particularly for travellers over 65.
- Medical conditions. You’ll need to declare any pre-existing conditions, which may affect your premium. If you don’t, you could end up paying a lot of money for medical treatment abroad. Even minor surgery done privately in many EU countries can cost €20,000. And remember, your EHIC will only cover you for medically necessary, state-provided healthcare.
- Activity levels. Adding cover for things like skiing, scuba diving, or hiking can increase the cost.
What about couples who are living at different addresses?
To qualify for couples' travel insurance, both people must be living at the same address for more than six months. If you don’t meet this requirement, you won’t be able to get couples cover. We’d recommend opting for two individual policies or a group travel insurance plan.
Find the best couples travel insurance
Whether you're heading off on one unforgettable getaway or multiple trips throughout the year, choosing the right type of cover matters. At JustCover, we make it simple:
Ideal for one-off holidays or short breaks together. This is a great choice if you’ve got one special trip planned, such as a honeymoon, anniversary break, or a week in the sun.
Annual multi-trip travel insurance
Perfect if you’re planning more than one trip in a 12-month period. Whether it’s weekend city breaks or multiple holidays, this policy means you’re covered all year round.
Why choose JustCover for couples' travel insurance?
With JustCover, you’ll get travel insurance that works around you. We've helped thousands of Irish couples get reliable, affordable cover built around their specific needs and preferences.
Here’s why couples choose us:
- 98% of customers rate us as ‘Excellent’ or ‘Great’¹
- Up to unlimited cover for medical expenses and repatriation
- Up to €10,000 cancellation cover²
- 24/7 emergency medical helpline
- Cover for more than 1,300 medical conditions, including terminal and chronic illnesses, subject to screening
Specialist couples travel insurance
Every couple travels differently, and our cover options accommodate that. From luxury trips to Dubai to backpacking in Bali, the right cover goes a long way. We offer a range of specialist travel insurance options that pair well with your plans.
With no upper age limit, our seniors travel insurance is perfect for older couples who want to explore new places together.
Travel insurance with medical conditions
Covers over 1,300 pre-existing medical conditions, so both of you can relax and travel care-free.
Ideal for couples travelling with children, as this policy offers flexible protection for your whole family.
Tailored cover for life at sea, with extras like missed port and cabin confinement protection if someone falls ill aboard or abroad.
Couples' travel insurance for pre-existing medical conditions
Travelling with health concerns shouldn’t hold you back. If one or both of you have a pre-existing medical condition, we can help. You can declare your conditions easily during the quote process and access cover designed to protect both of you on the same policy.
Some common conditions we cover include:
- Heart conditions
- Atrial fibrillation
- COPD
- Asthma
- Stroke
- Epilepsy
- Diabetes
- Cancer
- Arthritis
- High cholesterol
- Disabilities
- Mental health conditions
Couples' travel insurance tips and things to know
Before you buy, here are a few key things Irish couples should keep in mind when arranging joint travel cover:
- Travel together. If you’re going on a single trip, both travellers usually need to start and finish the trip together for the policy to apply. However, if you have annual travel insurance, you can travel solo.
- Declare health conditions for both partners. Make sure any pre-existing medical issues are declared by each person named on the policy.
- Cover for different interests. If one of you plans to do riskier activities (like scuba diving or skiing), make sure your policy includes activity upgrades (even if the other partner isn’t participating).
- Annual cover can save you money. If you travel as a couple more than once a year, an annual policy could work out cheaper.
- If one of you cancels, double-check your cover. Our policies allow the remaining traveller to still be covered. Make sure to read our Policy Wording for full details.
A simple 3-step process to book your couples’ travel insurance
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You will only need to tell us some information about yourself and your holiday plans
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Now all you need to do is to choose the level of cover that best suits your needs
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Expert travel insurance recommendations from our team
"At JustCover, we understand that couples don’t just share a life together; they share responsibilities, goals, and dreams. Our role is to give comfort in knowing you’re protected, whatever life brings. Whether it’s safeguarding your travel plans or making sure you’re supported through the unexpected, our policies are designed to give couples the security and reassurance they deserve"
Peter Clark - JustCover Director
What our customers say
“For the last couple of years, I have bought annual travel insurance for my wife and I from JustCover. I am a repeat customer because it is really easy to buy online, it’s also very good value, and they do not penalise me because of my senior status. I opt only for basic cover for all our trips to Europe over the year. I like the good customer service and timely reminders..”
see full reviewFrequently asked questions about couples' travel insurances
Will we both be covered for medical emergencies and cancellations?
If you're both named on the policy, you’ll each be covered for medical emergencies, cancellations, repatriation, and other insured events. This means if one of you falls ill, gets injured, or can’t travel due to a covered reason, your policy should help cover the costs.
What’s included in the policy for couples?
Couples travel insurance typically includes the same cover you’d expect from a standard policy, just shared between two people. This means medical expenses, trip cancellation, lost baggage, travel delays and more. Add-ons like winter sports or gadget cover are also available if you need them.
Can we do activities like skiing, snorkelling or cycling on our couples' travel policy?
Standard couples travel insurance will cover you for lower-risk activities such as snorkelling, hiking or casual cycling. For higher-risk activities like skiing, scuba diving or mountain biking, you’ll need to add activities and sports cover. It’s important to check the full list of included and optional activities before you go.
Can we travel separately and still be insured?
It depends on the type of policy you choose. With annual couples travel insurance, you’re both typically covered even if you travel separately. However, for single trip policies, both travellers must start and end the trip together for the cover to apply. If you plan to travel apart more often, you might want to consider individual annual cover or group travel insurance instead.
Do we have to be married to get couples travel insurance?
Not at all. If you have both lived at the same address for more than 6 months, you can get couples travel insurance.
How much medical cover do we get?
It depends on the policy you choose. With JustCover, you can get up to unlimited medical expenses and repatriation cover, which includes treatment abroad and transport back to Ireland if medically required. Always check the Policy Wording to understand the exact limits.
Is baggage cover automatically included?
Yes, but with a maximum claim limit and per-item limits. Baggage cover typically includes loss, theft or damage to your belongings. If you're travelling with high-value items like electronics or jewellery, you may need to upgrade your policy or insure them separately.
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2. Covers cancellation for certain reasons outside of your control and detailed in our Policy Wording. Amount of cover depends on the policy level you have purchased. Read our Policy Wording for full exclusions and T&Cs.
†. Based on Trustpilot reviews of all companies in Ireland within the Travel Insurance Company category - January 2025.
* Discount applies to the base price only and does not apply to any premium generated to cover medical conditions or optional extras. This discount is automatically applied and cannot be used in conjunction with any other offer. Discount tiers of 5% for premiums between €0-49, 10% for €50-249, & 20% for €250+ apply. Offer ends at 23:59 on 30/09/25. T&C's apply.