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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^ |
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.
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.