We evaluated travel insurance plans from 13 major providers using MoneyGeek's scoring methodology that weights cost at 40%, coverage at 30%, claims and service at 25%, and financial stability at 5%. Our analysis examined pricing for couples traveling together on a week-long international trip with $5,000 in trip costs.
Best Travel Insurance for Couples
Couples travel insurance covers both travelers under one policy, simplifying claims when cancellations or emergencies affect either partner. Plans start at $118 for a week-long trip and protect shared investments and medical needs abroad.
Find the best travel insurance for couples below.
Updated: January 6, 2026
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Key Takeaways
Nationwide offers the most affordable couples coverage at $118, with Travel Insured providing strong value at $162 for budget-conscious travelers.
One partner's covered cancellation reason (illness, injury, family emergency) triggers full trip reimbursement for both travelers under a single policy.
Couples manage one claim process instead of coordinating separate policies, with shared coverage limits for medical emergencies, baggage loss and travel delays.
Best Companies for Couples Travel Insurance
1 | World Nomads | 93 | Adventure travelers and long trips | $188 |
2 | Generali | 92 | Balanced coverage and service | $144 |
3 | Allianz | 91 | Comprehensive coverage options | $272 |
4 | IMG | 91 | Medical coverage | $152 |
5 | Travel Guard | 91 | Premium protection | $206 |
6 | Travel Insured | 91 | Budget-conscious couples | $162 |
7 | BHTP | 90 | Pre-existing conditions | $180 |
8 | Tin Leg | 89 | Customizable plans | $172 |
9 | Nationwide | 88 | Overall value | $118 |
10 | Travelex | 88 | Cancel for any reason | $124 |
Best Overall for Couples
Nationwide
MoneyGeek Score: 88/100
Nationwide ranks first for couples with the most affordable coverage at $118 for two travelers on a week-long international trip. Couples manage one claim if issues affect both travelers, rather than coordinating separate policies with different documentation requirements. The Essential plan provides $10,000 in trip cancellation coverage that protects either partner's covered cancellation reason, plus $250,000 in emergency medical evacuation.
Key Coverage:
- Essential plan: $118 for couples (one week, $5,000 trip cost)
- Medical: $75,000 | Evacuation: $250,000
- Trip cancellation: $10,000 | Trip interruption: 125% of trip costs
- Pre-existing condition waiver: Purchase within 10 days of initial deposit
- Prime plan upgrades: $171 | Medical: $150,000 | Trip interruption: 200%
Best Budget Option for Couples
Travel Insured
MoneyGeek Score: 91/100
Travel Insured provides value pricing at $162 for couples with high coverage quality. The Essential plan costs less than many competitors' basic options while providing core protections: trip cancellation coverage up to the insured trip cost and $250,000 in emergency medical evacuation. Couples traveling on a budget get comprehensive protection without paying for features they may not use, like high baggage limits or extensive cancel-for-any-reason coverage.
Key Coverage:
- Essential plan: $162 for couples (one week, $5,000 trip cost)
- Medical: Coverage up to trip cost | Evacuation: $250,000
- Trip cancellation: Up to insured trip cost | Trip interruption: 125%
- Baggage: $600 | Baggage delay: $100 after 12 hours
- Deluxe plan upgrades: $182 | Enhanced baggage and trip delay limits
Best Comprehensive Coverage for Couples
Allianz
MoneyGeek Score: 91/100
Allianz ranks third overall with perfect 100 scores for both financial stability and service quality. The Prime plan covers couples at $272 with trip cancellation limits up to $30,000 per policy and 200% trip interruption coverage. Couples benefit from Allianz's mobile app for managing a shared policy, tracking claims together, and accessing 24/7 assistance through multiple channels. The higher coverage limits matter most for couples taking expensive trips or needing extensive medical evacuation coverage abroad.
Key Coverage:
- Prime plan: $272 for couples (one week, $5,000 trip cost)
- Medical: $150,000 | Evacuation: $1,000,000
- Trip cancellation: $30,000 | Trip interruption: 200% of trip costs
- Pre-existing condition waiver: Purchase within 21 days of initial deposit
- Premier plan upgrades: $552 | Higher cancellation limits for expensive trips
How Much Does Couples Travel Insurance Cost?
Couples travel insurance costs between $118 and $272 for a week-long international trip with $5,000 in trip costs, based on quotes for two 30-year-old travelers. Basic plans cover trip cancellation and medical emergencies, while comprehensive options add higher limits for baggage, delays, and interruptions. Trip cost directly impacts premiums since cancellation coverage bases limits on prepaid expenses, and international destinations cost more than domestic trips.
Nationwide | $118 | $171 | - |
Travelex | $124 | $160 | $184 |
Generali | $144 | $170 | $209 |
IMG | $152 | $156 | $182 |
Travel Insured | $162 | $182 | $226 |
Seven Corners | $162 | $248 | - |
Tin Leg | $172 | $184 | $236 |
BHTP | $180 | $190 | $250 |
World Nomads | $188 | $316 | $581 |
Travel Guard | $206 | $378 | $459 |
Allianz | $272 | $368 | $552 |
World Trips | $248 | $328 | $348 |
AXA | $264 | $384 | $576 |
What Does Couples Travel Insurance Cover?
- Couples travel insurance covers cancellation for both travelers when one person must cancel for a covered reason like illness, injury or family emergency
- Coverage limits range from $10,000 to $100,000 per policy based on trip cost
- Trip interruption coverage works the same way, reimbursing unused costs plus transportation home if you cut the trip short after departure
- Emergency medical coverage pays treatment costs if either traveler gets sick or injured, with plans providing $50,000 to $250,000 in coverage for both travelers under shared policy limits
- Emergency medical evacuation covers transportation to appropriate facilities or back home, with most plans providing $250,000 to $1 million per policy
- If one traveler requires evacuation, the policy covers their transport, while the other partner can receive reimbursement for additional costs to meet them or return home early
- Couples manage one policy number and claims process for both travelers
- Baggage coverage reimburses lost or damaged belongings for either traveler, with limits from $600 to $2,000 per policy
- Travel delay coverage reimburses accommodation and meals when flights are delayed six or more hours, providing $150 to $250 per day for both travelers
- Missed connection coverage pays for rebooking when couples miss connecting flights due to inbound delays, with coverage from $500 to $750 per policy
- Families with children can use similar multi-traveler policies for group coverage
How Coverage Works When One Traveler Cancels
Medical Coverage and Evacuation for Both Travelers
Shared Policy Benefits
How to Get the Best Couples Travel Insurance
- 1Compare Coverage Levels for Your Trip Type
Basic plans protect against trip cancellation and medical emergencies, but may limit baggage and delay coverage. Mid-tier options add higher limits for common travel disruptions like missed connections and delayed flights. Comprehensive plans provide the highest protection levels plus benefits like cancel for any reason coverage.
- 2Purchase Early for Maximum Protection
Buy travel insurance within 14-21 days of your initial trip deposit to qualify for pre-existing condition waivers and time-sensitive benefits. Many plans require early purchase to access cancel for any reason coverage or waive medical condition exclusions. Couples traveling with one partner who has a pre-existing condition need to meet these deadlines to get full coverage.
- 3Match Medical Coverage to Your Destination
International destinations require higher emergency medical and evacuation coverage than domestic trips. Couples should verify their plan provides at least $50,000 in medical coverage and $250,000 in evacuation protection for trips outside the United States, with higher limits for remote destinations or countries with expensive healthcare.
- 4Review Cancellation Reasons That Apply to Both Travelers
Most plans cover illness, injury, or death of either traveler, but some situations only trigger coverage when they directly impact the policyholder. Couples should verify their plan protects both travelers equally for common scenarios like work obligations or family emergencies.
Couples Travel Insurance: FAQ
Does couples travel insurance cost less than buying two separate policies?
No, couples travel insurance does not cost less than two individual policies. Insurers price coverage based on the number of travelers and total trip cost, so two people on the same policy pay roughly double what one person would pay. The benefit comes from simplified policy management and a unified claims process.
Can unmarried couples buy travel insurance together?
Yes, unmarried couples can purchase travel insurance together under a single policy. Most insurers allow any two adults traveling together to share coverage regardless of marital status. You'll need to list both travelers when getting quotes and purchasing the policy, and both names must match your travel reservations.
What happens if only one traveler needs to cancel?
If one traveler must cancel for a covered reason, most policies allow the other traveler to continue the trip but will only reimburse the canceling traveler's portion of trip costs. Some comprehensive plans offer cancel for any reason coverage that provides partial reimbursement, even when only one traveler cancels. Review your policy's specific terms since coverage varies by provider.
Do both travelers need to meet the pre-existing condition deadline?
No, only travelers with pre-existing medical conditions need to meet the purchase deadline for the waiver to apply. If one partner has a pre-existing condition and the other doesn't, the policy must still be purchased within the required timeframe (usually 14-21 days of the initial trip deposit) for the waiver to apply to the affected traveler.
Should couples who travel frequently buy annual travel insurance?
Couples who take multiple trips per year should compare annual multi-trip plans against single-trip coverage. Annual plans cost more upfront but provide better value when taking three or more trips annually. These policies cover unlimited trips within a 12-month period, with each trip limited to a maximum duration of 30-45 days depending on the plan.
How We Chose the Best Travel Insurance for Couples
We analyzed 13 travel insurance companies to determine the best couples travel insurance based on MoneyGeek's scoring methodology. Our evaluation assessed coverage quality, affordability, service experience, and financial stability across multiple plans from each provider.
Scoring Framework:
- Cost (40%): Premium pricing for identical coverage scenarios
- Coverage (30%): Trip cancellation/interruption limits, medical coverage, evacuation protection, baggage coverage, delay benefits
- Claims and Service (25%): 24/7 availability, phone/email/chat support, mobile app, claims portal, customer ratings
- Financial Stability (5%): AM Best ratings
Data Sources:
- Pricing data: Quotes for two 30-year-old travelers on a 7-day international trip with $5,000 in trip costs
- Coverage details: Policy documents and plan comparison from each provider
- Service ratings: iOS and Android app ratings, customer service availability assessment
- Financial ratings: AM Best insurance company ratings
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.