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Travel Insurance For Couples & Duos^

Travelling with your travelling partner? Taking out travel insurance for couples and Duos can save you money!

Travel Insurance for couples & Duos^

Travel insurance for couples & Duos is something important to consider for any lovebirds or travelling partners heading 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 together 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 adventure, or a 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. 

Travel insurance for couples & Duos can provide cover in case of unexpected events like if one of you unexpectedly falls ill and needs to go to hospital or missing your connecting flight because of severe weather. 

Cover may also be available if that favourite shirt goes missing, or your camera with all the selfies you took in Rome gets misplaced. 

The best part about our travel insurance for couples and Duos is that you save when you purchase your policies together instead of buying two single policies! 

Please don’t forget to see Product Disclosure Statement for full terms and conditions and exclusions and limits that apply. 
Compare benefits in the tables below for the different levels of cover available for couples & Duos: 

We issue one Certificate of Insurance for a Duo policy. However, each person listed on the Duo Policy is covered as if they had their own Single policy, with benefit limits applying to each person individually (unless stated otherwise) in the PDS.  

The table below is only a summary of benefits. Each level of cover is subject to full policy terms, conditions, limits, sub-limits, and exclusions as per our PDS available on our website. Benefit limits shown apply per person for both Singles and Duo policies. # These benefit limits are shared between Duo policy holders. ~ These benefit limits are shared between travellers under a Family policy. This means the benefit amount is for the whole family to be used together, not for each person separately. ^ Cover under these benefits are excluded while travelling within Australia. If you hold a Frequent Traveller Saver policy, the benefit limits apply to the combined total of all claims made by all covered travellers (including an accompanying spouse/partner and dependants) listed on the Certificate of Insurance.


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 back to Australia (per person)

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

Repatriation of your mortal remains from a Schengen listed country back to Australia (only if you have an approved and valid Schengen visa)(per person)

 $60,000 ––– $60,000 $60,000 $60,000 $60,000

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
up to $2,000		 $7,500 $5,000 $15,000 $15,000 $15,000

Stand-alone personal computers, cameras and video recorders (excluding devices with integrated cameras or recording functions, such as mobile phones, Drones or similar devices) (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
up to $8,000		 Optional
up to $8,000		 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 back to Australia (per person)

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

Repatriation of your mortal remains from a Schengen listed country back to Australia (only if you have an approved and valid Schengen visa)(per person)

 $60,000 ––– $60,000 $60,000 $60,000 $60,000

COVID-19 Trip Cancellation & Disruption

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

What are the benefits of travel insurance for couples & Duos?^

Save Money

With couples & Duos cover, you can save money on your travel insurance. Compared to buying two single policies, buying a couples & Duos policy will save you 10%, plus you can also save on Reduced Excess & Rental Vehicle Insurance Excess options.

One Policy

We make travel insurance for couples and Duos 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.

Great Value Cover

With couples & Duos 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 wide range of policies you choose for your trip, cover may be available for (subject to policy terms and conditions)^: 

  • Overseas Emergency Medical and Hospital Expenses
  • Existing medical conditions
  • Unexpected Trip Cancellation Expenses 
  • Luggage and Personal Belongings 
  • Travel Documents, Cash, Credit Cards or travellers Cheques 
  • Unexpected Travel Delay Expenses and Special Event Travel Expenses 
  • Riding a motorcycle, moped or scooter (optional) 
  • Rental Vehicle Insurance Excess (optional) 
  • Adventure Sports and Activities (optional) 

Planning to travel but have an existing medical condition?

We may be able to help. Our couples & Duos 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 travel insurance for

couples & Duos?^

Travel insurance for couples & Duos is designed to cover two adults who are travelling together regardless of your relationship. 

You can get travel insurance for couples & Duos if you are:  

Partners (married, de facto, in a new relationship or same-sex relationship) 

Newlyweds on your honeymoon 

Senior couples 

Travel buddies backpacking together across the globe 

Work colleagues travelling for business

Two travellers seeking an adventurous holiday 

A duo 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.

Optional extras for couples & Duos^ 

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 couple or Duos adventure holiday, you can also get travel insurance with cover for snow sports and activities.

This provides some 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.

 

Bicycle Pack

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. Please check out our PDS for details of cover offered. 

Adventure Pack

Our travel insurance for couples & Duos covers a huge list of different non-contact sports and activities 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, you may add on our Adventure Pack and you’re ready to go!

Motorcycle Pack

Travelling as a couple or Duo and planning to ride a motorcycle, moped or scooter together on your holidays? Check out our Motorcycling Pack!

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 travel insurance for couples & Duos is considered both affordable and flexible by many, 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. 

 

We offer a money back guarantee up to 25 days if you have not started your trip and have not used any of your rights under the policy (e.g. you have not made a claim or used your Policy to obtain a visa). Please refer to our PDS for further details. 

Compare our travel insurance for couples & Duos to other similar policies and you may find for yourself that we can provide great cover at a competitive price. 

 

You may find our travel insurance 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.

^ Duo cover covers traveller and another person they are travelling with on the same itinerary for at least 75% of the Trip who is listed in the Certificate of insurance. No cover is provided for Dependants. We issue one Certificate of insurance, however, both persons have cover as if they are each insured under separate Policies with Single benefit limits per insured person. Saving applies when both travellers are listed on the same Duo cover, versus two Single policies. Underwriting eligibility criteria, policy terms, conditions, exclusions, limits and sub limits apply. Consider PDS & TMD on fastcover.com.au before making a decision to buy. Eligibility criteria, policy terms, conditions, exclusions, limits and sub limits apply to all policies. Make sure you consider the PDS and TMD at fastcover.com.au prior to deciding whether travel insurance is right for you and which policy is right for you and your individual needs.