What is couples or joint 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.
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.
How Which? rates joint travel insurance
Which? Best Rate travel insurance policies provide the cheapest cover meeting our stringent criteria.
Our policies include at least £2m of medical cover for Europe and £5m 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, including missed departures, delays, holiday and airline failure, terrorism cover and volcanic ash.
You can see our ratings of dozens of providers in our best and worst travel insurance guide. Insurers with a policy score of less than 65% are not included.
It is worth noting that policy details can change depending on whether you buy direct or via a comparison site.
In the table below, we have also provided the individual premium, so you're able to see where an insurer applies a discount.
Best joint travel insurance policies
|Provider||Policy name||Joint premium||Individual premium|
|Best rates: Seven-day trip to Europe for a 45-year-old|
|Top Notch Cover||Silver||£15||£10|
|Covered To Go||Gold||£20||£11|
|Blue Bear Travel||Gold||£20||£11|
|Best rates: Seven-day trip to Europe for a 60-year-old|
|Blue Bear Travel||Gold||£21||£11|
|Covered To Go||Gold||£22||£12|
|Best rates: Seven-day trip to Europe for a 75-year-old|
|Covered To Go||Gold||£41||£24|
|Blue Bear Travel||Gold||£42||£23|
|M&S Bank||Single Trip||£42||£35|
More details on our analysis
Premiums were gathered during September 2018. 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 - the next update is due in May 2019.