Travel Protection for Couples

Travel protection is a crucial component of trip planning, especially for couples. Whether you're married or unmarried, living together or in different states, making sure you have travel protection is key to help secure both peace of mind and protection on your journeys.

Here’s how to plan for, choose and buy travel protection tailored to couples’ unique circumstances.

Why Help Protect a Couple’s Trip?

There are lots of great reasons for couples to help protect their travels, including:

Trip Cancellation to lost baggage, travel protection can help protect your trip investment.

Peace of mind: Knowing you have travel protection lets you enjoy your trip more fully.

Health and safety: Access to emergency medical care and assistance services can be invaluable, especially in unfamiliar locations.

Understanding The Basics

First, be aware that regardless of your marital status, both individuals need to be residing within the same state to be named on the same travel protection plan.

Couples Living Together

Couples who live together, whether married or not, can typically buy a joint policy. It’s important to make sure that the plan accurately reflects the total cost of the trip for both individuals.

Couples Living Apart In The Same State

If you and your partner live in different locations but within the same state, the process is typically the same as if you lived together. Since both of you fall under the same state insurance regulations, you may be able to purchase one plan that covers you both.

Couples Living In Different States

If you’re in a long-distance relationship and live in different states, you may be wondering how to purchase travel protection. Because insurance regulations vary by state, you generally cannot share the same plan. While this might seem inconvenient, it ensures that each plan meets the requirements of your respective state.

How To Split Up Trip Costs For Quotes

When obtaining quotes for travel protection, you may have to split up your travel costs, depending on whether you’re buying separate or joint plans.

If you’re buying separate plans, each person should insure only the portion of the trip cost they’re responsible for. This includes individual tickets, accommodations, and other prepaid trip expenses.

If you’re buying a joint policy, combine the total costs of shared and individual expenses to get the total trip cost.

Also Read: How to Get Travel Protection for Your Pre-Existing Medical Condition

Who’s Considered a Family Member?

Domestic partners, or individuals who live together and share a domestic life, are considered family members when you buy a plan from Generali Global Assistance. Domestic Partners must be traveling together as this could pose coverage issues if domestic partners are not traveling together.

Coverage To Look For

Emergency medical coverage: Make sure your plan offers coverage for medical emergencies. All of our plans do.This is vital in case of an unexpected covered illness or injury while you’re traveling.

Pre-existing medical conditions: Not all policies cover pre-existing conditions. Only with our Premium Plan can you qualify for pre-existing condition coverage. Check to see if your plan covers pre-existing medical conditions and under what circumstances.

Cancellations and interruptions: Plans with coverage for trip cancellations and interruptions are particularly important for couples, as the illness or emergency of one partner can affect them both.

Baggage and personal belongings: Choose a plan that offers coverage for loss or theft of baggage and personal items – a common concern for traveling partners.

Activities and adventure sports: If your trip involves activities like skiing, scuba diving or hiking, buy a plan that offers coverage for these. Some activities might not be covered.

Also Read: Travel Insurance for Trip Cancellation: What's Covered

Buying Travel Protection Step-By-Step

Assess your needs: Discuss with your partner the trip aspects you need to help protect and the specific coverage you need, considering your activities, transportation modes, health, and travel style.

Gather trip details: Pull together details of your trip, including flights, accommodations, and activities, and determine the total cost that needs to be insured. Remember that only prepaid, non-refundable expenses are insurable.

Compare plans: Look at different plans, compare what can be covered, and consider specific coverage needs you may have as a couple.

Buy the plan: Once you’ve selected the right plan for you, either buy one joint plan or two individual plans, depending on your living situation and state regulations.

Review your plan: After you’ve bought a plan, review Plan documents thoroughly to understand the coverage and ensure it meets your needs.

Why Couples Should Consider Travel Protection

Traveling as a couple means shared experiences and memories. However, it also means shared risks. Travel protection offers a safety net against these risks.

Travel protection with 24/7 Travel Assistance Services from Generali Global Assistance can help cover couples’ dream vacations with a variety of coverage options. Getting a quote is easy – it starts right here.