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Couples Travel Insurance

If you are travelling with your Husband, Wife or Partner, it might be better to purchase a Travel Insurance policy for you both, rather than two single policies for each of you. In most cases this would provide you with cover for staying with your partner if they needed to remain in hospital before Repatriation back to your home country. If you purchase an Annual…

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If you are travelling with your Husband, Wife or Partner, it might be better to purchase a Travel Insurance policy for you both, rather than two single policies for each of you. In most cases this would provide you with cover for staying with your partner if they needed to remain in hospital before Repatriation back to your home country.

If you purchase an Annual Travel Insurance policy, you can travel independently of each other as well together as a Couple. If you are on a Family Travel Insurance policy, your children are also covered to travel without one of the adults, as long as they are travelling with an adult or being met at the detsination by an adult.

To get a quote by telephone or email, contact us on 0800 047 5065 (FREE) or 01273 773 017 info@jsinsurance.co.uk

JS Travel Insurance provides cover for Residents of the United Kingdom, the Channel Islands and the Republic of Ireland.

Summary of Cover (per Person)

Section & Cover Standard Essential Essential Plus Superior
Cancellation or Curtailment - £2,500 £2,500 £5,000
Medical and Repatriation £2,5000,000 £5,000,000 £5,000,000 £10,000,000
Hospital Benefits £300 £600 £600 £1,200
Baggage - - £1,500 £2,000
Personal Money - - £300 £400
Personal Liability £500,000 £1,000,000 £1,000,000 £2,000,000
Delayed Departure - £100 £100 £200
Missed Departure - £500 £500 £1,000
Legal Expenses - £15,000 £15,000 £25,000
Failure of Carrier - - - £1,000

What do Couples Travel Insurance policies cover ?

A typical Couples Travel Insurance policy will provide cover for Medical Expenses and Repatriation, Personal Liability, Cancellation and Baggage. JS Travel Insurance provides four options with different levels of cover to suit your requirements.

Also the Benefits of the policy that purchase, will be per person. This important to note so you are aware if you have to cancel the trip, you will both be entitled to the amount shown in the Schedule of Benefits of each of you who are named on the policy.

Extra cover such as Money, Travel Delay and Failure of Carrier are usually within the higher cover options. Please have a look at the full Policy Wording Booklet for details.

Main Exclusions

One of the main exclusions for a Couples Travel Insurance policy is Pre Existing Medical Conditions. These must be declared when you apply for cover or you risk invalidating any claim that you may need to make, leaving you and your partner to cover any medical costs.

There is also a Single Article Limit that will apply to any claims made for loss, theft or damage to your Possessions whilst you are away.

You should not automatically choose the cheapest policy, without checking the cover provided, as this could prove to be a false economy if you need to make a claim.

European Health Insurance Card (EHIC)

The European Health Insurance Card entitles you to medical assistance in state hospitals in the European Union at the same cost as a local person, which often means it is free treatment.

Please Note: the European Health Insurance Card is not a substitute for Travel Insurance. For example, it does not cover Pre Existing Medical Conditions or Repatriation back to your home country.

It is important to purchase Travel Insurance policy before you leave the country. If it’s just going to be one trip, you will be all set with our Single Trip Travel Insurance policy. Those who plan to do more than one trip a year, you might want to look at the Annual Multi Trip Travel Insurance policy.

This insurance contract is between you and White Horse Ireland dac, a company registered in Ireland (Registered Company No. 306045), whose Registered Office is at Rineanna House, Free Zone West, Shannon, County Clare, Republic of Ireland. White Horse Insurance Ireland dac is authorised and regulated by the Central Bank of Ireland. This can be checked by visiting their website at www.centralbank.ie


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