Benefits of Couples Travel Insurance

Couples travel insurance from Columbus Direct has the same benefits as our standard policies for individuals and families -

• Cover for up to £15 million provided for medical expenses.
• Cancellation cover up to £5,000.
• We provide protection for up to 150 sports and activities free of charge.
• Optional Winter Sports cover can be included.
• Free airport lounge access if your flight is delayed for more than one hour.

Do we need to be living together to get Couples Travel Insurance?

Our joint travel cover is available to any couples who are legally married, common-law partners or cohabiting. This means that you are not able to get couples travel insurance if you are not living together.

If this is the case, then it is better to each get individual cover or group travel insurance to ensure that any potential claims that you make are valid.

Do we have to travel together with a couple's policy?

You can travel separately with a couple’s annual multi-trip policy, in a similar way to our family travel cover. With annual travel insurance you are covered for multiple trips throughout the one-year period.

This means that you can enjoy a holiday together, then go on separate trips without having to get another policy.

The limits and excesses are per person, whether you are going on a trip together or separately.

You can get cover for either Europe or worldwide travel, depending on the trips that you have planned. There is also the option of adding additional protection to your policy, including the Adventure Pack, Golf Cover and Gadget Cover.

You can also add Winter Sports if you plan to go skiing or take part in other activities in the snow. This gives you cover for piste closures and avalanche delays, as well as protection for your equipment if it is lost, stolen or damaged.

Couples travel advice

When travelling as a couple you should follow the usual travel tips and advice that are given by the Foreign and Commonwealth Office to those travelling abroad, to ensure that you stay safe and avoid any unexpected disruptions to your holiday.

This includes keeping valuable possessions close to you or in a secure safe in your room during your trip and keeping an eye on your drinks on nights out to avoid having your drink spiked. You should also be cautious of unmarked taxis and pickpockets in many countries, particularly in busy tourist areas.

If you plan to drive during your trip, there are likely to be local laws that you will need to follow, while certain countries require different documentation to drive there, such as an International Driving Permit.

When travelling to some countries around the world, you may be advised to get vaccines for certain diseases, particularly if you are going to a higher risk area or if you have pre-existing health conditions. The NHS advises that it is worth contacting your GP or a private travel clinic a month or two before your trip to get advice on whether you should get particular vaccines for your journey.

If you are members of the LGBT community, then it is worth researching your destination before you travel. Some countries have different attitudes to LGBT travellers, and you could be in danger of facing a negative reaction in some areas. The ILGA has guidance on which countries might be dangerous, while travel agents and some guidebooks can also give you advice.

The Foreign and Commonwealth Office also has travel advice for lesbian, gay, bisexual and transgender travellers. This includes outlines of the local laws and customs in each country and advice on what to do if you face problems. It is suggested that public displays of affection should be avoided in areas that you feel could attract negative attention. It is also worth taking precautions if you are meeting other LGBT people, while any verbal abuse about your sexuality or gender identity is often best ignored if possible.