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Travel Insurance For Couples

Travelling with your partner? Taking out travel insurance for couples can save you money!
Couple sunset

Travel Insurance for couples

Couples travel insurance is a must for any lovebirds travelling overseas, whether you're surprising your partner with a romantic rendezvous to Paris, relaxing on the beaches of Hawaii, backpacking in Europe, or enjoying your honeymoon on a luxury Caribbean cruise!

Immersing yourself in new and different cultural experiences with your significant other can be life-changing, and creates beautiful (and sometimes hilarious!) memories for years to come.

However, things don't always turn out as perfectly as your favourite romantic comedy flick! If your plans take a turn for the worst, it's always nice to know that you may have cover for these unexpected events.

A travel insurance policy provides cover in case of unexpected events, like missing your connecting flight because of bad weather, or if one of you falls ill and needs to go to hospital.

You can also have cover if that sparkly new engagement ring goes missing, or your camera with all the couple selfies you took in Rome gets misplaced.

The best part about our Couples travel insurance is that you save when you purchase your policies together!

Compare benefits in the tables below for the different levels of cover available for Couples:

 

Medical Benefits

 Basics Domestic Plus Standard Saver Comprehensive Snow Sports Plus Frequent Traveller Saver

Overseas 24/7 Emergency Medical Assistance^

sub-limits:

 Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Funeral/cremation Overseas and/or bringing your remains home (per person)

 $20,000 $20,000 $20,000 $20,000 $20,000

Overseas Emergency Medical & Hospital Expenses^

 Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Overseas Emergency Dental

 $500 ––– $750 $1,000 $1,000 $1,000

Overseas Emergency Evacuation & Repatriation

 Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Overseas Hospital Cash Payment^

sub-limits:

 ––– ––– ––– $5,000 $5,000 $5,000

Daily Limit (per person)

 $50 $50 $50

Accidental Death

Travellers Aged 80 to 89:
 ––– $25,000
$20,000		 ––– $25,000
$20,000		 $25,000
$20,000		 $25,000
$20,000

Accidental Death for travellers up to age 79

 $25,000 $25,000 $25,000 $25,000

Accidental Death for travellers aged 80 - 89

 $20,000 $20,000 $20,000 $20,000

Accidental Death of a Dependant (per Dependant)

 $5,000 $5,000 $5,000 $5,000

Permanent Disability^

Travellers Aged 80 to 89:
 ––– ––– ––– $50,000
$20,000		 $50,000
$20,000		 $25,000
$20,000

Permanent Disability for travellers up to age 79

 $50,000 $50,000 $25,000

Permanent Disability for travellers aged 80 - 89

 $20,000 $20,000 $20,000

Permanent Disability of a Dependant (per Dependant)

 $5,000 $5,000 $5,000

Loss of Income^

sub-limits:

 ––– ––– ––– $10,400 $10,400 $10,400

Weekly Limit (per person) - up to 26 weeks

 $400 $400 $400

Financial Benefits

 Basics Domestic Plus Standard Saver Comprehensive Snow Sports Plus Frequent Traveller Saver

Trip Cancellation Expenses

sub-limits:

 ––– Unlimited $25,000 Unlimited Unlimited Unlimited

Travel Agents Cancellation Fees

 $1,500 $1,500 $1,500 $1,500 $1,500

Close Relatives that do not meet Close relative conditions

 $2,000 $2,000 $2,000 $2,000 $2,000

Personal Liability

 $1,000,000 $5,000,000 $2,500,000 $5,000,000 $5,000,000 $5,000,000

Trip Disruption Expenses

sub-limits:

 ––– $50,000 $30,000 $50,000 $50,000 $50,000

Close Relatives with a Pre-existing Medical Condition

 $2,000 $2,000 $2,000 $2,000 $2,000

Trip Resumption Expenses

 ––– $3,000 $2,000 $3,000 $3,000 $3,000

Luggage & Personal Effects

sub-limits:

 Optional $7,500 $5,000 $15,000 $15,000 $15,000

Personal computers,video recorders or cameras (per item)

 $3,000 $3,000 $3,000 $3,000 $3,000 $3,000

Mobile phones (per item)

 $1,500 $1,500 $1,500 $1,500 $1,500 $1,500

Tablets (per item)

 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000

All other unspecified items (per item)

 $750 $750 $750 $750 $750 $750

Luggage and Personal Effects stolen from a Locked Storage Compartment of an unattended vehicle during daylight hours. We will pay up to $200 for each item and $2,000 in total for all stolen items.

$2,000 $2,000 $2,000 $2,000 $2,000 $2,000

Passports, Credit Cards & Credit Card Fraud^

 ––– ––– $2,000 $5,000 $5,000 $5,000

Special Event Transport Expenses

 ––– $5,000 ––– $5,000 $5,000 $5,000

Rental Vehicle Excess

sub-limits:

 ––– $5,000 Optional Optional Optional Optional

Return of Rental Vehicle

 $500 $500 $500 $500 $500

Travel Delay Expenses

sub-limits:

 ––– $2,000 ––– $2,000 $2,000 $2,000

Daily Limit (per person)

(we will pay up to $200 for each full 24 hours beyond the initial 6 hour delay)

 $200 $200 $200 $200

Delay of Luggage and Personal Effects^

 ––– ––– ––– $750 $750 $750

Theft of Cash^

 ––– ––– ––– $250 $250 $250

Snow Sports Benefits

 Basics Domestic Plus Standard Saver Comprehensive Snow Sports Plus Frequent Traveller Saver

Snow Sport Equipment

 ––– $1,500 ––– ––– $1,500 –––

Snow Equipment Replacement Hire

 ––– $1,500 ––– ––– $1,500 –––

Snow Prepaid Expenses

 ––– $750 ––– ––– $750 –––

Snow Resort Closure

sub-limits:

 ––– $1,000 ––– ––– $1,000 –––

Daily Limit (per person)

 $100 $100

COVID-19 Benefits

 Basics Domestic Plus Standard Saver Comprehensive Snow Sports Plus Frequent Traveller Saver

COVID-19 Overseas Emergency Medical, Hospital & Medical Evacuation Expenses

 Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Funeral/cremation Overseas and/or bringing your remains home (per person)

 $20,000 ––– $20,000 $20,000 $20,000 $20,000

COVID-19 Trip Cancellation & Disruption

––– $3,500 $3,000 $5,000 $5,000 $5,000

Please note: This is only a summary of benefits. Policy terms, conditions, limits, sub limits and exclusions apply to each cover type. Benefit limits shown are for Single and Duo (per person) policies. Pooled Benefits mean that Family policy benefit limits apply for the whole family and are double the corresponding benefit limit under a Single policy, except for certain benefits - please refer to the Product Disclosure Statement for full details. ^Cover under these Benefits are excluded while travelling within Australia.

What are the benefits of Couples travel insurance?

Great Value Cover

With Couples travel insurance, both of you are covered as if you were insured separately (excluding Rental Vehicle Insurance Excess) so each of you receive our Single benefit limits.

Depending on which one of our great value policies you choose for your trip, we offer:

  • Cover for Overseas Emergency Medical and Hospital Expenses
  • Medical screening available for your medical conditions
  • Cover for Unexpected Cancellation Costs
  • Cover for your Luggage and Personal Belongings
  • Cover for your Travel Documents, Cash, Credit Cards & Travellers Cheques
  • Cover for unexpected Travel Delay Expenses and Special Event Travel Expenses
  • Optional cover for riding a motorcycle, moped or scooter
  • Optional Rental Vehicle Insurance Excess
  • Optional cover for Adventure Sports and Activities

One Policy

We make travel insurance for couples fast and simple. There’s only one policy, meaning there’s only one policy number, one travel insurance certificate, and one phone number to take with you when you travel.

Save Money

You also save money when you buy insurance as a couple. Compared to buying two single policies, buying a duo policy will save you 5% or more, plus they you can save on Reduced Excess & Rental Vehicle Insurance Excess options.

Planning to travel but have an existing medical condition?

We may be able to help - our travel insurance can provide cover for many existing medical conditions, just in case the unexpected happens on your trip.

Check out our Medical Conditions page for more information about medical screening for your existing medical and pregnancy conditions including information about the General Exclusions that may apply*.

Who can buy Couples Travel Insurance?

Couples travel insurance is designed to cover two adults who are travelling together.

You can get Couples travel insurance if you’re: 

  •  Partners (married, de facto, in a new relationship or same-sex relationship)
  •  Newlyweds on your honeymoon
  •  Senior couples
  •  Backpacking together across the globe
  •  A couple travelling for work
  •  A couple seeking an adventurous holiday
  •  A couple going on a skiing or snowboarding holiday

You can purchase a policy for up to 12 months initially, and if you’re enjoying yourselves too much and decide to stay longer, you can extend your policy up to two years!

Whether you’re planning a luxury getaway together, or stretching every dollar on a backpacking trip, Fast Cover offers several different levels of cover and the flexibility to customise your policy with optional extras to suit you and your travelling partner.

Couple

Optional extras for Couples travel insurance

Do you need cover for skiing and snow sports?

Whether you're heading to Canada on a one or two-year working holiday at a ski resort, taking a romantic winter escape to Whistler or Aspen, or just want the option to do some skiing or snowboarding on your couples adventure holiday, you can also get Couples travel insurance with cover for snow sports and activities.

This provides cover for emergency medical and hospital expenses if you're injured on the slopes, cover for your snow gear and equipment, cover for piste closure, and reimbursement for the unused portion of your ski package if you can’t use it due to sickness or an injury.

 

Do you need cover for skiing and snow sports?

Our Snow Sports Plus cover is provided for all sorts of snow activities such as:

  • Skiing
  • Snowboarding
  • Tobogganing
  • Heli-skiing and snowboarding
  • Cat-skiing and snowboarding
  • Snowmobile riding
  • Dog sledding
  • Cross country skiing
  • Glacier walking
  • Ice-skating
Adventure Pack

We cover a huge list of different non-contact sports and activities in our Couples travel insurance including bungee jumping, snorkelling, safari, ballooning, kayaking and many more!

But if you plan to take on more heart-pumping experiences such as abseiling, caving, quad biking or tandem skydiving, add on our Adventure Pack and you’re ready to go!

Motorcycling Pack

Riding a motorcycle, moped or scooter together on your holidays? Take out the Motorcycle Pack and you'll have cover in case of injury or accident.

Bike Packs

If you’re planning to see the sights on a cycling tour and want to take your own bicycle with you on your trip, our Bicycle Pack add-on may be suitable for your travel plans.

Why choose Fast Cover for your next holiday together?

Fast Cover has provided specialist travel insurance to travellers of all kinds in every continent in the world.

Our Couples travel insurance is both affordable and flexible, so you can create a policy that suits your needs.

You can travel together knowing that if you experience an emergency, you’re able to contact our Emergency Assistance team 24 hours a day, 7 days a week, 365 days a year, wherever you are in the world.

If your plans change or even if you simply change your mind, we also offer a 'no questions asked' money back guarantee. As long as your travel departure date (shown on your Certificate of Insurance) hasn't passed or you aren't making a claim under the policy, you can get a full refund within 25 days of purchasing the policy.

Compare our Couples travel insurance to other similar policies and you’ll find that we can provide great cover at a competitive price.

It’s great value travel insurance that’s simple to understand and fast to purchase so you can relax and look forward to your holiday together.

Things you need to know

^ Price as at 27/10/2024 compared to the price calculated today for this policy.

* See Product Disclosure Statement for full terms and conditions and exclusions and limits that apply.

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