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