Travel insurance: Couples travel insurance

If you are going on holiday with your partner you can buy one policy to cover both of you. Some insurers offer a discount when buying a joint policy. Below, we have provided the individual premium so you're able to see where an insurer applies a discount.

Which? Best Rate travel insurance policies provide the cheapest cover meeting our stringent criteria. Our policies include at least £2 million of medical cover for Europe and £5 million worldwide, £1,500 of cover for baggage and personal belongings and £3,000 for cancellation or curtailment.

We have also analysed the 22 most important elements of your travel insurance policy to see which providers offer the best all-round cover including missed departures, delays, holiday and airline failure, terrorism cover and volcanic ash. Insurers with a policy score of less than 65% are not include. 

It is worth noting that policy details can change depending on whether you buy direct or via a comparison site. Remember, however, to check the terms of the policy closely. Some insurers charge individual excesses, so a claim affecting you and your partner could mean a double deduction.

Cover for couples: Single trip
ProviderJoint premiumIndividual premium
Best rates: 7 day trip to Europe for a 45 year-old
Top Notch Cover Silver£15£10
Covered2Go Silver£17£9
Holidaysafe Premier£18£10
Blue Bear Travel Gold£20£10
Your Travel Cover Gold£20£10
Best rates: 7 day trip to Europe for a 60 year-old
Covered2Go Gold£17£10
Blue Bear Travel Gold£21£10
Holidaysafe Premier£21£12
Staysure Comprehensive£23£13
Insuredtotravel Platinum£24£12
Best rates: 7 day trip to Europe for a 75 year-old
Holidaysafe Premier£39£22
Covered2Go Gold£41£23
Blue Bear Travel Gold£42£23
Golfguard Single Trip£47£25
M&S Bank Single Trip£56£33
Cover for couples: Annual trip
providerJoint premiumIndividual premium
Best rates: Annual multi trip worldwide for a 45 year old
Insuredtotravel Platinum£48£41
Letsgoinsure Travellers Choice£48£41
Top Notch Cover Silver£52£39
Leisurecare Multi Traveller£67£33
Covered2Go Gold£69£38
Best rates: Annual multi trip worldwide for a 60 year old
Letsgoinsure Travellers Choice£48£41
Insuredtotravel Platinum£48£41
AnnualTravelInsurance Super£70£44
Multitrip Premier£74£46
Greatcover Super£76£48
Best rates: Annual multi trip worldwide for a 75 year old
Insuredtotravel Platinum£104£91
Letsgoinsure Travellers Choice£114£97
Leisureguard Premier£134£75
Golfguard Single Trip£228£152
AnnualTravelInsurance Super£263£159

Table Notes:
Premiums were gathered during April 2016. It's worth checking with the insurer as there is a possibility the premiums have changed. This information is updated on a six-monthly basis - next update is due in Nov 2016.

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