Couples Travel Insurance

Travel Insurance for couples

Couples travel insurance is a must for any lovebirds travelling overseas, whether you're surprising your partner with a romantic rendezvous to Paris, relaxing on the beaches of Hawaii, backpacking in Europe, or enjoying your honeymoon on a luxury Caribbean cruise!

Immersing yourself in new and different cultural experiences with your significant other can be life-changing, and creates beautiful (and sometimes hilarious!) memories for years to come.

However, things don't always turn out as perfectly as your favourite romantic comedy flick! If your plans take a turn for the worst, it's always nice to know that you're covered for these unexpected events.

A travel insurance policy provides cover in case of unexpected events, like missing your connecting flight because of bad weather, or if one of you falls ill and needs to go to hospital.

You're also covered if that sparkly new engagement ring goes missing, or your camera with all the couple selfies you took in Rome gets misplaced.

The best part about our Couples travel insurance is that you is that you save when you purchase your policies together!

Compare benefits in the tables below for the different levels of cover available for Couples:

Medical Benefits	Basics	Domestic Plus	Standard Saver	Comprehensive	Snow Sports Plus	Frequent Traveller Saver
Overseas 24/7 Emergency Medical Assistance^ sub-limits:	Unlimited	–––	Unlimited	Unlimited	Unlimited	Unlimited
Funeral/cremation Overseas and/or bringing your remains home (per person)	$20,000		$20,000	$20,000	$20,000	$20,000
Overseas Emergency Medical & Hospital Expenses^	Unlimited	–––	Unlimited	Unlimited	Unlimited	Unlimited
Overseas Emergency Dental	$500	–––	$750	$1,000	$1,000	$1,000
Overseas Emergency Evacuation & Repatriation	Unlimited	–––	Unlimited	Unlimited	Unlimited	Unlimited
Overseas Hospital Cash Payment^ sub-limits:	–––	–––	–––	$5,000	$5,000	$5,000
Daily Limit (per person)				$50	$50	$50
Accidental Death Travellers Aged 80 to 89:	–––	$25,000 $20,000	–––	$25,000 $20,000	$25,000 $20,000	$25,000 $20,000
Accidental Death for travellers up to age 79		$25,000		$25,000	$25,000	$25,000
Accidental Death for travellers aged 80 - 89		$20,000		$20,000	$20,000	$20,000
Accidental Death of a Dependant (per Dependant)		$5,000		$5,000	$5,000	$5,000
Permanent Disability^ Travellers Aged 80 to 89:	–––	–––	–––	$50,000 $20,000	$50,000 $20,000	$25,000 $20,000
Permanent Disability for travellers up to age 79				$50,000	$50,000	$25,000
Permanent Disability for travellers aged 80 - 89				$20,000	$20,000	$20,000
Permanent Disability of a Dependant (per Dependant)				$5,000	$5,000	$5,000
Loss of Income^ sub-limits:	–––	–––	–––	$10,400	$10,400	$10,400
Weekly Limit (per person) - up to 26 weeks				$400	$400	$400

Financial Benefits	Basics	Domestic Plus	Standard Saver	Comprehensive	Snow Sports Plus	Frequent Traveller Saver
Trip Cancellation Expenses sub-limits:	–––	Unlimited	$25,000	Unlimited	Unlimited	Unlimited
Travel Agents Cancellation Fees		$1,500	$1,500	$1,500	$1,500	$1,500
Close Relatives that do not meet Close relative conditions		$2,000	$2,000	$2,000	$2,000	$2,000
Personal Liability	$1,000,000	$5,000,000	$2,500,000	$5,000,000	$5,000,000	$5,000,000
Trip Disruption Expenses sub-limits:	–––	$50,000	$30,000	$50,000	$50,000	$50,000
Close Relatives with a Pre-existing Medical Condition		$2,000	$2,000	$2,000	$2,000	$2,000
Trip Resumption Expenses	–––	$3,000	$2,000	$3,000	$3,000	$3,000
Luggage & Personal Effects sub-limits:	Optional	$7,500	$5,000	$15,000	$15,000	$15,000
Personal computers,video recorders or cameras (per item)	$3,000	$3,000	$3,000	$3,000	$3,000	$3,000
Mobile phones (per item)	$1,500	$1,500	$1,500	$1,500	$1,500	$1,500
Tablets (per item)	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000
All other unspecified items (per item)	$750	$750	$750	$750	$750	$750
Luggage and Personal Effects stolen from a Locked Storage Compartment of an unattended vehicle during daylight hours. We will pay up to $200 for each item and $2,000 in total for all stolen items.	$2,000	$2,000	$2,000	$2,000	$2,000	$2,000
Passports, Credit Cards & Credit Card Fraud^	–––	–––	$2,000	$5,000	$5,000	$5,000
Special Event Transport Expenses	–––	$5,000	–––	$5,000	$5,000	$5,000
Rental Vehicle Excess sub-limits:	–––	$5,000	Optional	Optional	Optional	Optional
Return of Rental Vehicle		$500	$500	$500	$500	$500
Travel Delay Expenses sub-limits:	–––	$2,000	–––	$2,000	$2,000	$2,000
Daily Limit (per person) (we will pay up to $200 for each full 24 hours beyond the initial 6 hour delay)		$200		$200	$200	$200
Delay of Luggage and Personal Effects^	–––	–––	–––	$750	$750	$750
Theft of Cash^	–––	–––	–––	$250	$250	$250

Snow Sports Benefits	Basics	Domestic Plus	Standard Saver	Comprehensive	Snow Sports Plus	Frequent Traveller Saver
Snow Sport Equipment	–––	$1,500	–––	–––	$1,500	–––
Snow Equipment Replacement Hire	–––	$1,500	–––	–––	$1,500	–––
Snow Prepaid Expenses	–––	$750	–––	–––	$750	–––
Snow Resort Closure sub-limits:	–––	$1,000	–––	–––	$1,000	–––
Daily Limit (per person)		$100			$100

COVID-19 Benefits	Basics	Domestic Plus	Standard Saver	Comprehensive	Snow Sports Plus	Frequent Traveller Saver
COVID-19 Overseas Emergency Medical, Hospital & Medical Evacuation Expenses	Unlimited	–––	Unlimited	Unlimited	Unlimited	Unlimited
Funeral/cremation Overseas and/or bringing your remains home (per person)	$20,000	–––	$20,000	$20,000	$20,000	$20,000
COVID-19 Trip Cancellation & Disruption	–––	$3,500	$3,000	$5,000	$5,000	$5,000

Please note: This is only a summary of benefits. Policy terms, conditions, limits, sub limits and exclusions apply to each cover type. Benefit limits shown are for Single and Duo (per person) policies. Pooled Benefits mean that Family policy benefit limits apply for the whole family and are double the corresponding benefit limit under a Single policy, except for certain benefits - please refer to the Product Disclosure Statement for full details. ^Cover under these Benefits are excluded while travelling within Australia.

What are the benefits of Couples travel insurance?

Great Value Cover

With Couples travel insurance, both of you are covered as if you were insured separately (excluding Rental Vehicle Insurance Excess) so each of you receive our Single benefit limits.

Depending on which one of our great value policies you choose for your trip, we offer:

Cover for Overseas Emergency Medical and Hospital Expenses
Cover for Unexpected Cancellation Costs
Cover for your Luggage and Personal Belongings
Cover for your Travel Documents, Cash, Credit Cards & Travellers Cheques
Cover for unexpected Travel Delay Expenses and Special Event Travel Expenses
Optional cover for riding a motorcycle, moped or scooter
Optional Rental Vehicle Insurance Excess
Optional cover for Adventure Sports and Activities

One Policy

We make travel insurance for couples fast and simple. There’s only one policy, meaning there’s only one policy number, one travel insurance certificate, and one phone number to take with you when you travel.

Save Money

You also save money when you buy insurance as a couple. Compared to buying two single policies, buying a duo policy will save you 5% or more, plus they you can save on Reduced Excess & Rental Vehicle Insurance Excess options.

Automatic Cover For 43 Pre-Existing Medical Conditions

To make it even faster to buy travel insurance, we've eliminated the need for medical assessments by providing cover for 43 Pre-Existing Medical Conditions. See the full list of Pre-Existing Medical Conditions we cover for more details.

Who can buy Couples Travel Insurance?

Couples travel insurance is designed to cover two adults who are travelling together.

You can get Couples travel insurance if you’re:

Partners (married, de facto, in a new relationship or same-sex relationship)
Newlyweds on your honeymoon
Senior couples
Backpacking together across the globe
A couple travelling for work
A couple seeking an adventurous holiday
A couple going on a skiing or snowboarding holiday

You can purchase a policy for up to 12 months initially, and if you’re enjoying yourselves too much and decide to stay longer, you can extend your policy up to two years!

Whether you’re planning a luxury getaway together, or stretching every dollar on a backpacking trip, Fast Cover offers several different levels of cover and the flexibility to customise your policy with optional extras to suit you and your travelling partner.

Optional extras for Couples travel insurance

Do you need cover for skiing and snow sports?

Whether you're heading to Canada on a one or two-year working holiday at a ski resort, taking a romantic winter escape to Whistler or Aspen, or just want the option to do some skiing or snowboarding on your couples adventure holiday, you can also get Couples travel insurance with cover for snow sports and activities.

This provides cover for emergency medical and hospital expenses if you're injured on the slopes, cover for your snow gear and equipment, cover for piste closure, and reimbursement for the unused portion of your ski package if you can’t use it due to sickness or an injury.

Our Snow Sports Plus cover is provided for all sorts of snow activities such as:

Skiing
Snowboarding
Tobogganing
Heli-skiing and snowboarding
Cat-skiing and snowboarding
Snowmobile riding
Dog sledding
Cross country skiing
Glacier walking
Ice-skating

Adventure Pack

We cover a huge list of different non-contact sports and activities in our Couples travel insurance including bungee jumping, snorkelling, safari, ballooning, kayaking and many more!

But if you plan to take on more heart-pumping experiences such as abseiling, caving, quad biking or tandem skydiving, add on our Adventure Pack and you’re ready to go!

Motorcycling Pack

Riding a motorcycle, moped or scooter together on your holidays? Take out the Motorcycle Pack and you'll have cover in case of injury or accident.

Bike Packs

If you’re planning to see the sights on a cycling tour and want to take your own bicycle with you on your trip, our Bicycle Pack add-on may be suitable for your travel plans.

Why choose Fast Cover for your next holiday together?

Fast Cover has provided specialist travel insurance to travellers of all kinds in every continent in the world.

Our Couples travel insurance is both affordable and flexible, so you can create a policy that suits your needs.

You can travel together with confidence knowing that if you experience an emergency, you’re able to contact our Emergency Assistance team 24 hours a day, 7 days a week, 365 days a year, wherever you are in the world.

If your plans change or even if you simply change your mind, we also offer a 'no questions asked' money back guarantee. As long as your travel departure date (shown on your Certificate of Insurance) hasn't passed or you aren't making a claim under the policy, you can get a full refund within 14 days of purchasing the policy.

Compare our Couples travel insurance to other similar policies and you’ll find that we provide great cover at a competitive price.

It’s great value travel insurance that’s simple to understand and fast to purchase so you can relax and look forward to your holiday together.

Our call centres are based in Australia so you'll only ever talk to Australian based sales & claim staff.

The price on your quote is 'Locked In' for 48 hours.

Wherever you're travelling and whenever you need us, our 24/7 worldwide expert assistance team are ready and waiting to help.

Buy today and your cover starts today for the money you've spent on hotels, flights or tours in the event of unexpected sickness, injury, family emergencies or natural disasters.

Example Incidents^~

Warren's Watery Woes

Warren and his wife Laurel from Wollongong were on a Pacific Island cruise celebrating their 50th wedding anniversary when Warren slipped on the wet decking and injured his hip. Fortunately, they had taken out a Fast Cover travel insurance policy at the same time as booking their flights and accommodation. The travel insurance policy cost less than $280 and provided cover for almost $24,000 AUD worth of medical treatment and their return home under medical supervision.

Cathy's Cruise Calamity

Cathy and her husband took a Sea Princess cruise around Asia and were enjoying the great entertainment and delicious food onboard when disaster struck. Three families were put off the ship but the damage was already done. A nasty virus spread through the passengers, forcing many to visit the expensive on-board doctor. Cathy was charged almost $300 AUD for an appointment but fortunately she had purchased a travel insurance policy and was able to claim for reimbursement when they got home.

Traveller Testimonials

A friend in need is a friend indeed

The policy was of good value, especially when one unexpectedly becomes ill. Easy to set up, just answer questions. Computer system, easy to follow. The customer support was excellent. My queries were efficiently handled and with courtesy.

Joe – Productreview.com.au

Great result

We had to cancel our trip to Europe for health reasons and Fast Cover refunded almost all of our outlay. Great relief and will always use them in future. Good value.

Noel – Productreview.com.au

Excellent service

This was the second world trip where we have used Fast Cover. On the first trip getting the policy on line was painless and its price competitive. That trip all went without a hitch. This year we again did a world trip, and again had no problems buying our policy online. However we had a problem in Europe where I broke my leg and so incurred medical expenses both on the cruise ship and onshore for second opinions. We were forced to cancel some of our stay and came home about three weeks early. Our claim was handled very efficiently and the medical expenses paid without delay. The claims department was great. We will definitely use Fast Cover again.

John – Productreview.com.au

~Traveller details have been changed to protect their privacy. Claims examples are from Fast Cover travel insurance customers from 1 July 2013 to 30 June 2016.

↟Based on 365 day Basics Duo policy to New Zealand region for 2 adult travellers aged 50 years old or younger with $200 excess.

Things you need to know

^* See Product Disclosure Statement for full terms and conditions and exclusions and limits that apply.

^# Available with our Comprehensive policies only.

^** No cover is provided for pregnancy, childbirth or related complications unless it is a single, uncomplicated pregnancy up to and including 23 weeks. In any event we will not pay medical expenses for regular antenatal care, childbirth at any gestation or care of the newborn child. Complications mean any secondary diagnosis occurring prior to, during the course of, concurrent with, or as a result of the pregnancy, which may adversely affect the pregnancy outcome.

⁺ Statistics based on 'Travel by Australians' quarterly report for June 2013, 'Tourism Industry Facts & Figures at a Glance' September 2012, Cruise Industry Source Market Report: Australia 2013 and Fast Cover Customers.

² 5% saving is based on the cost of a Duo policy versus the cost of two single policies. Excess reduction discount based on excess reduction cost under a Duo policy versus cost under two single policies. Duo policies do not provide cover for any dependent children.

⁴ Price based on an 18 day Basics policy to South Pacific region for Single traveller aged 50 years old or younger with $200 excess.

⁶ Must be accompanied by a professional instructor or guide.