does couple travel insurance cover individual trips admiral

Business | Money

Couples travel insurance – how does it work?

It might not have the same appeal as researching the local cocktail bars, but buying travel insurance is a crucial part of planning a worry-free break.

Taking out a comprehensive travel insurance policy can offer peace of mind that if something goes wrong during your trip — or you are forced to cancel it altogether — you’re financially protected.

If you’re travelling with a partner, couples travel insurance is an option worth considering. These joint policies cover both you and your ‘other half’, which can save on hassle as well as cash.

How is a couple defined?

Different providers have different criteria when it comes to defining ‘a couple.’ Typically, you and your partner must be aged 18 or over, share a home address, and be in a relationship.

It’s best to double-check you meet the insurer’s criteria before taking out the policy, since some may require you to have lived with your partner for at least six months.

What do the premiums cost?

When you take out a couples travel insurance policy, the premium you’ll pay depends on several factors including you and your partner’s ages, and whether either of you has any pre-existing health issues.

Even if just one of you is aged over 65 and/ or has a medical condition, premiums will be higher since you’re considered more likely to claim for medical treatment during your trip.

Taking part in risky activities such as winter sports during your trip will equally push up the price of your premium.

Your travel destination is another important factor in determining premium prices. Policies that cover the USA, Canada, Mexico and the Caribbean tend to be more expensive, since medical treatment is more costly in these regions.

As an illustration, if you and your partner will be travelling within Europe for seven days, you can expect the cost of policies to start at around £20 — assuming you are both under 65 and have no pre-existing health conditions. The same level of cover will set you back about £45 if you’re travelling to the USA.

For an annual multi-trip policy, you can expect to pay around £30 to travel within Europe, and £80 to travel worldwide including the USA, Canada, Mexico and the Caribbean.

Taking out couples travel insurance often works out cheaper than opting for two individual policies.

That said, if you or your partner is over 65 or has a pre-existing medical condition, this will push up the premium for both of you. In these cases, it’s worth comparing both joint and individual policies to find the more affordable option.

Types of couples travel insurance

As with individual travel insurance policies, you and your partner can purchase cover for a single trip, or multiple trips over the course of 12 months.

If you have more than two trips planned within a year, an annual policy is usually better value.

The type of policy you require also depends on where you’ll be travelling. Depending on your destination, you could purchase cover for the UK, Europe, worldwide, or worldwide plus USA, Canada and the Caribbean.

What’s covered

With any travel insurance policy, it’s important to check you’re getting the right level of cover for you and your partner’s needs.

The exact coverage you receive depends on your policy and provider, but at minimum it should include:

• Medical expenses — this ensures you can pay for any medical treatment if you fall ill or become injured during your trip. Check that repatriation (taking you back to the UK) is  included
• Cancellation or curtailment — you can make a cancellation or curtailment claim if you need to cancel or cut a trip short due to unforeseen circumstances
• Baggage and personal possessions — this covers you if your baggage or a valuable possession is lost or stolen during your trip
• Personal liability — you’ll be covered financially if you accidentally damage someone’s property or injure them while travelling. 

If your trip is not an ATOL-protected package holiday, it may be worth selecting a policy that  includes ‘end supplier failure’ cover. This type of cover allows you to make a claim if the company you booked with fails.

Some policies also include ‘scheduled airline failure cover,’ which pays out if the airline you were due to travel with goes bankrupt.

It’s also worth checking whether the policy you’re considering allows for Covid-specific related medical, cancellation and curtailment claims.

Travelling separately

If you have an annual multi-trip policy, you may still be covered if you decide to travel without your partner — but it’s a good idea to double check the terms and conditions before setting off.

For example, the Allianz Assistance annual policy allows you to travel independently of your partner, provided you took it out together on the same date.

Other considerations

When choosing a policy, take a look at the maximum amount you can claim in different categories to ensure you aren’t left out of pocket.

For example, your cancellation cover should ideally be enough to cover the total cost of your flights, accommodation and any pre-booked activities, while baggage and personal possessions cover should be high enough to replace valuable items.

With a joint policy, be sure to check whether claim limits are per person, or per policy.

It’s also important to consider a policy’s excess — the amount you’ll need to pay if you make a claim.

With both you and your partner included on the policy, it’s important to check whether the excess must be paid by both individuals, or once per policy.

Selecting a higher excess may result in cheaper premiums, but could work out more expensive should you need to make a claim.

Shopping around and comparing a few different policies will help ensure you and your partner get the level of cover you need at the best possible price.

Frequently asked questions

Is it cheaper to get travel insurance as a couple?

It will usually be cheaper to get a joint travel insurance policy as a couple rather than two separate policies. However, this is assuming you’ll qualify for standard travel cover. If one person in the couple has a pre-existing medical condition, for example, then it may work out cheaper to get two separate policies. You can get a good idea of what presents the best value by comparing quotes online for different scenarios.

Does travel insurance cover two people?

If you buy a joint travel policy for a couple, the cover will extend to both of you. Cover limits apply per person and will not need to be ‘shared’ between you.

Can we go skiing on our joint travel policy?

It will usually be possible to add cover for skiing to your joint travel insurance. You could opt for a specific winter sports policy, or most travel insurers allow you to add winter sports to your standard travel cover at an additional cost.

Will couples travel insurance cover us if we break up?

Unfortunately you won’t usually be covered under your travel insurance if you split up and no longer want to take the holiday you had booked together.

The best option in this scenario is likely to be to cancel or rearrange the trip directly with the provider to try to salvage some money back from the booking.

Do I have to be married or in a civil partnership to get couples’ travel insurance?

You don’t have to be married or in a civil partnership to get a couples’ travel policy with your partner. But you do need to be living at the same address.

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Admiral Travel Insurance Review: Top Tiers Include Catastrophe Cover

• Can add £1,000 of Gadget cover
• Covering Personal Belongings/Baggage on all plans
• Trip Delay/Cancellation/Curtailment
• Long single trips
• Catastrophe cover for ash clouds, storms, etc. (Gold and Platinum Plans)
• Covering Insolvency of End Supplier

Editor's Rating

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here .

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Admiral offers three tiers of travel insurance cover, all for very competitive prices and including Personal Belongings protection (including Delayed Baggage on all plans). If you want cover for catastrophes (e.g., volcanic ash cloud and storms) then choose one of the top two tiers—Gold or Platinum. Policyholders also have the option to buy extras like Winter Sports, Gadget, Golf and Cruise (included on Platinum). End Supplier Failure is not covered on Admiral plans, however.

In This Review

• Admiral Travel Insurance Price Comparison
• Buying Admiral Direct or from a Comparison Site: What are the Differences?

Notable Features

• Policy Limits and Coverage Options
• Comparing Admiral to the Competition
• Policy Wording and Claims

Read our review to learn about features and prices of Admiral travel insurance—plus we'll explain the main differences between buying direct direct from the Admiral site versus buying through a travel insurance comparison engine , to help you decide where to buy. Choosing the best travel insurance for you will depend on factors like price points and features that you might find valuable. Please use the information in this review to help you narrow your choices.

Admiral Travel Insurance Review: What You Need to Know

Admiral offers three levels of Annual and Single Trip travel insurance—Admiral, Admiral Gold and Admiral Platinum. All policies include some level of cover for Trip Cancellation , Emergency Medical, Trip Delay/Missed Departure, Legal Assistance, Personal Accident and Personal Belongings. Mid-tier (Gold) and top-tier (Platinum) policies also include Catastrophe cover; top-tier plans include Hijack cover and Cruise cover as well. But there's no cover for financial failure of suppliers like airlines or hotel operators.

As for optional extras, Winter Sports can be added to all tiers of insurance for an additional cost. Gadget and Golf cover are optional add-on features available for the top two tiers for an additional cost —Admiral Gold and Admiral Platinum. You can't add these features to the lowest tier Admiral plan. Cruise cover is included as standard on Admiral Platinum policies, or available for an extra cost on the lower tiers.

Those going on a cruise can get optional cover for cabin confinement, emergency airlift to hospital, missed port and unused excursions. To learn more about market prices please see our article Average Cost of Cruise Travel Insurance UK .

How to Buy Admiral travel insurance plans can be purchased either via a comparison engine or direct from Admiral . The basic limits are the same, regardless of where you buy your policy. Differences between buying direct and buying from a comparison site mostly relate to excess and price: generally speaking, plans from a comparison site typically cost less (around 20% less, in fact, for Annual, Multi-trip policies according to our pricing analysis) BUT they have a higher excess for the same cover levels. A higher excess means you contribute more towards any claims. Those buying direct are sometimes offered a 10% discount for buying online, so it's good to check the website to see what discounts are offered today.

Are Gadgets (e.g., Mobile Phones) Covered? Gadgets including mobile phones are covered to some extent on all plans through the Valuables section of cover. However, the standard Valuables limit may be too low for you—it's only £200, £300 or £400, depending on which plan you choose. If you travel with multiple gadgets or more expensive gadgets, you might want to consider adding Admiral's Optional Gadget Cover to an Admiral Gold or Admiral Platinum policy. (Optional Gadget Cover is not available as an add-on to the lowest tier of cover, Admiral plans.) You're able to add this to your policy whether you buy direct or from the comparison site.

What is the cost of adding gadget cover to Admiral travel insurance? We checked in November 2023 and were quoted £4.30 for £1,500 of additional cover for a single trip for the loss, theft or damage of gadgets. Prices may vary.

To see a list of other companies that offer a gadget travel insurance add on please see our article, Travel Insurance Companies with Optional Gadget Cover .

Does Admiral Travel Insurance Cover Trips in the UK? Holidays in the UK are covered under Admiral policies, so long as you pre-booked at least 2 consecutive nights of commercially-operated accommodation more than 25 miles from your home.

Pre-Existing Conditions: Admiral may be able to offer cover for some pre-existing medical conditions , for which you'll pay a higher premium. Pre-existing conditions are only covered if they've been declared by you, Admiral has given written acceptance and you've paid an additional premium.

As part of the online quote process you can declare your conditions to see if cover can be offered, and for what added cost. Or you can call Admiral's Medical Screening number (0333 234 9913) to discuss your particular situation.

Over 65s: Now, the latest policy documents don't specify upper age limits. Previously, they said that the age limit for travellers on Admiral's Annual Multi-Trip policies was 75 years or under or 79 years or under for a Single Trip. Cover for Winter Sports was subject to an age limit of 65 years. Now they say 'the cover we can offer you will vary depending on our age limits, underwriting criteria, the cover you need and the details you provide.'

Covid Cover: You're covered for emergency medical treatment and repatriation if you contract Covid-19 abroad; for cancelling your trip if you are diagnosed with Covid-19 within the 14 days prior to your trip departure or the hospitalisation or death of a close relative within the 14 days prior to your trip departure, as a result of Covid-19 (Cover is subject to your policy being active at the time of the event and proof of a positive Covid-19 test.)

Admiral Price Comparison

According to our data research in February 2018, prices of Admiral Travel Insurance were noticeably lower than the average cost of travel insurance in the UK. In fact, even Admiral's top-tier Platinum policies come in below average, as you can see in the following chart of Annual, Multi-trip plans by geography.

According to data we gathered, prices of Annual, Multi-trip policies from comparison sites were around £5 to £10 cheaper than policies bought direct from Admiral, depending on geography and type of plan, representing a savings of approximately 20%.

Insurance quotes can vary significantly from day to day and according to your individual details, so please just use the following data for general educational purposes only; your quotes may reflect a large degree of variation.

We also gathered quotes for Admiral plans for a family of four from the Admiral website—they'll pay on average 2X the cost of an individual policy (basically, kids go free). Below you can see how prices change across geographical locations like Europe and America and policy types for a family of four. Plans bought from a comparison site would be expected to cost less.

How much more expensive is travel insurance for a family of 4?

Cost of Add-On Extras

Winter Sports, Cruise, Gadget and Golf cover may be added for an extra cost to some of Admiral's travel insurance policies. We've gathered quotes across geographies and types of policies for a 30-year-old individual to give you an idea of the cost of travel insurance add-ons —these prices reflect policies bought directly from the Admiral website.

Buying Direct vs Using a Comparison Site

Generally speaking, you'll pay less for an Admiral travel insurance policy if you purchase it through a comparison engine ( try ours here ). Of course, there is a trade off. Policies—which are otherwise nearly identical—differ on a few points. First, the excess is higher on the comparison site policies. Second, the upper age limit is lower on policies via a comparison site.

Differences between Direct and Comparison Site Policies

You'll notice that the upper age limit for Winter Sports is the same regardless of where you buy (65 years), as is the maximum trip length on Annual, Multi-trip policies (31 days).

Protect your holiday today. Quick quotes from over 45 insurers.

Buying Admiral Direct from the Admiral Website

Those in their 70s or older may find more success buying direct, due to the higher upper age limits discussed above.

For an extra cost you can add golf cover to plans bought direct, if needed.

Here is a brief recap of some features available on Admiral travel insurance policies. Standard features like Medical and Personal Liability are also included on Admiral policies, limits for which can be found below in the Policy Limits section . For more complete details including inner limits and exclusions, please refer to the policy documents .

Types of Admiral Travel Insurance Policies

Admiral offers three tiers of travel insurance—Admiral, Admiral Gold and Admiral Platinum. All are available for Single Trips or as Annual, Multi-Trip policies. Admiral Single Trip travel insurance covers trips up to 365 days abroad. Admiral Annual Multi-Trip policies cover any number of trips a policy year, up to 31 days each. You may be able to extend the maximum trip duration for an extra charge, subject to the underwriter's approval. The following limits and plan details are consistent across policies purchased from the Admiral website and a comparison site.

Admiral Travel Insurance

The "Admiral" plan is their entry-level travel insurance offering. Emergency Medical expenses are covered up to £10 million and you get up to £1,000 of cover per insured person for Travel Delays, Trip Cancellation/Curtailment and Personal Belongings.

You can add Winter Sports or Cruise cover to Admiral's cheapest plans, but Golf and Gadget cover are not offered as add ons.

Admiral Gold Travel Insurance

As Admirals's mid-tier offering, Gold policies include higher limits and the addition of Catastrophe cover (e.g., volcanic ash, earthquake, storm, flood, tsunami, etc.). Cruise, Winter Sports, Golf and Gadget cover may be added for a cost.

Admiral Platinum Travel Insurance

Admiral Platinum is the top-tier travel insurance plan with the highest cover limits per person. If the Platinum premium fits in your budget, you'll get the highest coverage levels with this plan. In addition to features of the Gold plans, Cruise cover is included as standard on Platinum policies.

Cover Limits (Single & Annual Multi-Trip)

Please read some of our Travel Insurance Guides if you're trying to decide between Single Trip or Multi-Trip policies, learn about What May Not be Covered by Travel Insurance or decide if you Need Travel Insurance or Not .

How does Admiral Travel Insurance Compare to Competitors?

To better understand the value of Admiral travel insurance you need to look at it in the context of other available options. We compared it to other plans in the market so you can see which may be more suitable for you.

Admiral Travel Insurance vs Direct Line Travel Insurance

Direct Line travel insurance plans include cover for End Supplier Failure and Natural Disasters, plus cover for the replacement cost of used points or miles in case of Cancellation/Curtailment for a trip bought with air miles or another rewards structure. While prices are a bit higher than average, according to our analysis, you are getting these extra cover features. One surprising extra is Baggage—you'll need to pay extra to cover your personal belongings as they're not included as standard.

Bottom Line: If you really want cover for End Supplier Failure or Natural Disasters, or if you book trips with miles, then Direct Line might provide more comprehensive travel insurance for you.

Admiral Travel Insurance vs AXA Travel Insurance

AXA travel insurance offers good value for money, with all plans including Insolvency, Baggage, Cancellation/Delay/Curtailment and Catastrophe. Those who ski or snowboard will get longer Winter Sports cover with AXA (over 30 days, depending on the plan).

Bottom Line: If you really want cover for End Supplier Failure and Baggage included as standard, or you spend more than 17 on Winter Sports trips per year, then AXA might be a more comprehensive travel insurance option for you.

Admiral Travel Insurance vs Sainsbury's Travel Insurance

Sainsbury's travel insurance offers solid travel cover at decent prices, especially when purchased through a comparison site. All plans include Baggage, Cancellation and Emergency Medical, but you also get Scheduled Airline Failure, Delayed Departure and Trip Abandonment. Extended Gadget cover can be added to all plans, to cover mobile phones, iPads, etc. Trip lengths are longer than average (notably up to 92 days on top-tier plans bought direct).

Bottom Line: Those needing cover for longer trips might find more suitable travel insurance from Sainsbury's Bank.

Other Useful Information: Policy Wording and Claims

Admiral's 24-hour Emergency Assistance Helpline can be reached on +44 (0)292 010 7777. Use this number if you have a medical emergency while you're abroad or you're injured, become ill or have to cut your trip short. If you need medical treatment, you're supposed to call this number before you seek medical treatment.

For other non-emergency claims on Admiral travel insurance, call their claims team on 0333 234 9914 between 8am and 8pm Monday to Friday, or between 9am and 4pm Saturday (closed Sundays and Bank Holidays).

• Admiral Travel Insurance Key Facts, Direct
• Admiral Travel Insurance Policy Book, Direct

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Erin Yurday is the Founder and Editor of NimbleFins. Prior to NimbleFins, she worked as an investment professional and as the finance expert in Stanford University's Graduate School of Business case writing team. Read more on LinkedIn .

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• Home     Couple’s Travel Advice

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COUPLE'S TRAVEL ADVICE

Whether this is your first trip together or you’re heading off to celebrate your 60 th wedding anniversary, a couple’s holiday is the perfect way to discover new places and make lasting memories.

So, let’s get started.

Planning your Couple's Holiday

You and your significant other could well be the most laid-back couple in the world but when it comes to going abroad, tensions can flare – especially when it comes to packing the suitcase! So, with this in mind we have put together everything you need to know about planning your couple’s holiday.

Budgeting for a Couple’s Holiday

Whether you’re planning a short break to the Cotswold’s or a once-in-a-lifetime holiday, agreeing a budget with your partner is key when it comes to planning your break. Once you have agreed on a budget (don’t forget to include spending money!) you can start looking at suitable destinations and trip types.

For most a holiday begins at the airport so if your budget allows it may be a nice touch for you to upgrade to the airport lounge, particularly if you are going long haul. Just imagine sitting in a comfortable chair watching your favourite TV show, enjoying your complimentary breakfast… surely that beats the long queues in the airports, right?! Also, you can get some great deals online for airport lounges so this may be something to look out for.

Setting an itinerary

Even if you and your partner are planning to only spend your holiday lounging on the beach, it is still a good idea to set an itinerary – especially if you are not all-inclusive and need to self-cater.

Once you have chosen your destination, spend some time researching the local area and look for restaurants, bars and attractions. TripAdvisor is a firm favourite when it comes to research locations as you are able to see the reviews and recommendations of other holidaymakers.

Another thing to consider when setting your itinerary is ‘me time’. It is not very often a couple will spend every waking moment with each other, so having to do so on holiday can get intense. With this in mind it is a good idea for you to book some time apart in the itinerary, even if it’s just five minutes a day where you stick your nose in a book or check out the cute boutique – it can make all the difference!

How to pack as a Couple

For us, the most stressful part of going on holiday is having to pack the suitcase so we can only imagine the stress levels when packing for two people. Having said that, we have some tips that you and your partner may find useful.

Splitting your packing is a useful habit to get into for any trip you take with another person. If you and your partner are planning to take separate luggage it is a good idea to split clothing and accessories between both cases. This way, if one case was to go missing in the airport you will both have enough clothing.

Another consideration to take when packing as a couple, is the clothing you are taking. This one sounds simple, but it is surprising the amount of times people go on holiday and realise their new shoes aren’t as comfortable as they look! When deciding what you need to take on holiday be sure to pack suitable clothing for the activities you planning and don’t forget a few smarter outfits for the evenings – no one likes to look scruffy on date night…

Planning to propose abroad?

Asking your loved one to spend the rest of their life with you on a picturesque beach with champagne nearby just screams romance, right?! If you’re planning on taking an engagement ring abroad, we recommend you check your travel insurance policy and make sure the ‘valuable’ section under personal possessions is high enough to cover the cost of the ring if it is lost or stolen – if the cover isn’t high enough, it may be a good idea to add the ring to your home insurance.

Couple’s Travel Insurance

What is couple’s travel insurance.

We know that travel insurance can be a minefield and finding a travel insurance policy to suit both yours and your partners needs can be tricky. The best place to start is by looking for a couple’s travel insurance policy as these policies are designed to provide you both with the same level of cover.

Most travel insurance companies will also offer a discount on couple’s policies so keep an eye out for this!

Depending on the company you chose to buy your travel insurance with, you may have to pass an eligibility criteria for a couple’s policy. Normally, an insurer will ask if you and your partner have been living together for six months or longer but this will differ from provider to provider.

Who is a couple’s travel insurance policy suitable for?

A couple’s travel insurance policy is suitable for, well couples! But bear in mind the eligibility criteria mentioned above. When buying your couple’s travel insurance, you may also find that the policy is available on both single trip and multi trip insurance, but which one is more suited to you and your partner?

A couple’s single trip policy is perfect if you are looking at taking a one-off trip lasting a week or so. If you and your partner have several trips booked within a twelve-month period you may find it is more cost-effective to buy a couple’s multi trip policy.

A couple’s multi-trip policy will cover unlimited trips to and from the UK (and within the UK) for twelve-months but be sure to check the single trip duration limit; most travel insurers cover up to 31-days per trip, however some only offer 24 days, whereas others will offer as many as 45 or 60-days per trip, so something to check on the policy you buy.

Adventurous couples (or just couples that want to holiday for longer than your usual two or three weeks) should look at a couple’s longstay policy. These policies are designed to cover trips that are one month or longer and can last up to two years.

What is covered under my couple’s travel insurance policy?

When buying your travel insurance it is important to remember there is no one size fits all. The cover available under your couple’s travel insurance policy will depend solely on the travel insurer and selected policy. Having said that, most travel insurers will offer cover for cancellation, personal possessions and medical expenses as standard – just be sure to check the cover limits are suitable for your trip.

If you and your partner are planning to take part in a few activities whilst you’re away, make sure they are covered under your travel insurance. Most couples travel insurance policies will cover a select amount of activities as standard and offer activity packs for those that are a little riskier, which can be added to most policies for an additional premium. Whilst it may not be compulsory to buy cover for your activity, if you required emergency medical attention as a result of the activity and didn’t have the appropriate cover you will have to pay all associated expenses.

Whilst we’re speaking about activities, we all have spontaneous moments – right?! Some travel insurers will allow you to add on activities on an ad-hoc basis once you have left the country – and will only charge a premium for the person taking part in the activity. Something to consider when looking for a travel insurance provider.

On the other hand, if you and your partner just want to lounge on the beach and indulge in book or two, that’s fine too – just remember the sun cream!

Whilst you’re exploring on holiday it is likely you will want to snap some memories to show others when you return home. But wait, is that smart phone covered? Gadgets, including phones, camera’s, music players and laptops, etc., are not usually covered as standard; there are a few travel insurers that will offer this cover but most will ask for an additional premium to be paid for a gadget extension . If you are taking gadgets with you, you can check if these are covered for any theft, loss or damage outside of the UK under your travel insurance. If not, and you would like cover on yours and your partners gadgets under your travel insurance, make sure you check the single article limit (the cover may state ‘up to £1,500’ but this is usually broken down into single article limits where each item i.e. smart phone/camera has a limit of £500.00) as it may not be high enough to cover your gadgets. Also, look out for age limits – some travel insurance companies will not cover gadgets that are over two years old.

It is important to note, both you and your partner don’t necessarily need to be insured under the same policy but by buying a couple’s travel insurance policy you can ensure that if one of you needed to cancel the holiday or need to return home early you would both be covered – this may not be the case if you were to buy cover with separate insurers.

Depending on your health, you or your partner may need to complete a medical declaration . The medical declaration can be completed by either you or your partner but if you are completing it on their behalf you must make sure you have their permission and have accurate, up to date medical information. Once you have completed the quote, the documents will be sent through to you so it may be worth checking them through with your partner just to make sure.

Tips for Travelling as a Couple

If this is your first holiday together, why not look at booking a trial weekend first? Holiday’s can be stressful so you don’t want to over-load stress onto your relationship. See how you get on spending a few days together.

Sorry to be a kill-joy, but try not to drink too much alcohol . One of you may wake up feeling absolutely fine in the morning whereas the other will not want to move from the bed and before you know it irritation has taken over.

Be prepared to compromise when it comes to the itinerary. There may be something that your significant other really wants to do or see and although it may not be your cup of tea just go with it – you’ll probably really enjoy it!

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Plan activities that require you to work as team such as rock climbing or hiking. Not only will you be able to create memories with each other, it will help you bond as a couple and lean on each other when the activity becomes challenging.

Ask your partner what they would like to do on the trip. When visiting a new place is can be easy to list everywhere you want to visit, but there may be somewhere your partner is dying to visit so be prepared to compromise.

Don’t put all of your trust into the ‘tourist traps’. Most of the time these attractions are overpriced and, let’s face it, a bit of a let down so if you are looking to go for a romantic meal or a quieter spot to spend the day, ask the locals.

Top Destinations to Visit as a Couple

If this is a spur of the moment couple’s holiday you may be struggling to decide where you would like to go, so here’s our top destinations for couples.

Paris, France

The perfect romantic city break destination.

Couples hoping for a short, romantic break should look no further than Paris. With incredible views from the Eiffel Tower, Notre Dame, the chic Champs-Elysees, fine wine and world-famous cuisine this location is oozing romantic city break. After a day of exploring Parisian culture head to the infamous Moulin Rouge.

Santorini, Greece

The home of blue roofed buildings.

Greece is the perfect location for couples looking to discover culture, explore hidden towns and lounge on sandy shores but Santorini in particular has a little more to offer. The infamous white walled, blue roofed houses make the scenery truly picturesque, especially as the sun sets over the ocean.

Lake District, England

Cosy cottages and picturesque scenery

For hiking trails as far as the eyes can see, quaint local pubs and activities at every turn, head to the Lake District. Spend your days exploring the countryside and your evenings wandering around the cobbled villages before settling in front of the log fire. As the Lake District is based in the UK it is ideal for a weekend break or a longer relaxing break.

Strobl, Austria

This location offers far more than just skiing.

Enjoy the incredible picturesque scenery of the Austrian Alps whilst trying your hand at a range of activities. From walking and cycling to water sports and boat trips Austria has something to offer every couple. If you need a break from the activities head over to Salzburg and indulge in a hot coffee in one of many quaint coffee shops.

New Orleans, America

The birthplace of Jazz and fine dining.

New Orleans, located in the state of Louisiana, is a haven for music, shopping, culture and over 1,400 eateries.  Whether you decide to stay in the historic French Quarter or vibrant Downtown New Orleans has something to offer every couple. Not to mention, The Vampire Diaries and The Originals fanatics will feel right at home exploring the vampire’s hometown.

Ibiza, Balearics

The best party island in Europe.

Anyone who has heard of Ibiza will have heard of the infamous ‘Strip’. With nightclubs at every turn housing some of the world’s best DJs this island is perfect for couple’s that are looking to party the night away. During the day head one of Ibiza’s white sand beaches and perhaps try your hand at some water sports.

Tenerife, Spain

Fly and Flop or party all night, it’s your choice.

If you and your partner are looking to stay closer to home, Tenerife is an ideal location. With golden shores, crystal waters and secluded towns to explore by day and vibrant nightlife ready and waiting come dusk you have the choice of a little bit of everything. Tenerife is popular for couples and families and certainly will not disappoint.

Gili Lankanfushi, Maldives

Did someone say luxury? The Maldives is waiting.

Private bungalows, yacht parties, rooftop beds and your own personal butler – it really doesn’t get better than this. For a holiday like no other head to Gili Lankanfushi in the prestigious Maldives and sample a taste of what it’s like to discover true bliss. For couples who fancy adventure, the Maldives is a haven for watersports and snorkelling.

Q. On a couple’s travel insurance policy is the cover per person?

A. Yes, generally speaking if you are taking out a couple’s travel insurance the cover levels will be per person but always check the terms and conditions as this may differ between insurers.

Q. Am I covered if my partner can’t go on the holiday?

A. Most travel insurance policies will cover you if you are unable to go on your trip due to your partner falling ill. Cover for cancellation not due to an illness may be limited on some policies so if this is something you are concerned about look for a policy that will offer cover for cancellation for any reason which you could not foresee.

Q. Do I have to travel with my partner on a couple’s multi-trip policy?

A. No. If you are both insured on the same multi-trip policy you can travel independently.

Q. What counts as a couple?

A. Generally speaking most travel insurance policies will count a couple as two people in a relationship that have been living at the same address for six months or longer.

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Exploring Peaceful Journeys Together: A Comprehensive Guide to Travel Insurance for Couples

Traveling with your loved ones is a unique experience that creates beautiful memories and strengthens your bond. However, just like with any trip, unforeseen events can occur, potentially disrupting your romantic getaway. To ensure your travels remain stress-free, travel insurance for couples offers protection and peace of mind. In this article, we will explore the ins and outs of travel insurance for couples, from what it is and what it covers to how to choose the best plan for your needs.

Exploring peaceful journeys together with loved one with travel insurance

1. What is Travel Insurance for Couples?

Travel insurance for couples is a specialized insurance policy designed to provide coverage for two people traveling together, whether they are married, in a domestic partnership, or simply sharing a romantic journey. This type of insurance is tailored to meet the specific needs and preferences of couples, offering protection for various aspects of their trip.

Travel insurance for couples is the best choice for any journey

2. What Types of Travel Insurance for Couples Are Available?

Travel insurance for couples comes in various forms to suit different travel styles and needs. Here are some common types:

2.1 Single-Trip Travel Insurance

This is a one-time coverage plan that is perfect for couples planning a specific vacation. It typically covers trip cancellation, medical emergencies, baggage loss, and other unexpected events during that particular trip.

2.2 Annual Multi-Trip Travel Insurance

Ideal for frequent travelers, this plan covers multiple trips throughout the year, making it a cost-effective option for couples who travel often. It provides continuous coverage for a fixed annual fee.

3. Who can buy Couples Travel Insurance? Couples travel insurance is a tailored solution designed to provide coverage for two adults who are embarking on journeys together. It is a protective embrace to a diverse range of travelers, including:

• Partners (whether de facto, married, dating again, or in a same-sex relationship
• A couple enjoy your honeymoon as newlyweds
• Senior couples plan to enjoy the golden period 
• Backpacking together across the globe
• A couple traveling for work
• A couple seeking an adventurous holiday
• A couple going on a skiing or snowboarding holiday

Travel insurance for couples is suitable for any travelers to project your trip

4. What Does Travel Insurance for Couples Cover?

Travel insurance for couples typically covers a range of contingencies, including:

4.1 Trip Cancellation and Interruption

This coverage ensures that if you or your partner must cancel or cut short your trip due to unforeseen events like illness, injury, or a family emergency, you'll be reimbursed for non-refundable expenses.

4.2 Medical Coverage

In case you or your partner falls ill or gets injured while traveling, this coverage takes care of medical expenses, including doctor visits, hospital stays, and emergency medical evacuation.

4.3 Baggage and Personal Belongings

This coverage safeguards your belongings in case they are lost, stolen, or damaged during your trip. It can also assist in replacing essential items like clothes and toiletries if your luggage is delayed.

Travel insurance for couples is a safety net for medical emergencies as well as travel curriculums

4.4 Travel Delay and Cancellation

Sometimes, flights get delayed or canceled due to various reasons, such as bad weather or technical issues. Travel insurance can compensate you for additional expenses incurred during these unexpected delays, such as accommodation and meals.

4.5 Emergency Assistance Services

This service provides 24/7 access to a support team that can assist you in various situations, from finding medical care to helping with lost documents or language barriers.

4.6 Liability Coverage

If you or your partner accidentally cause damage to someone's property or injure another person while on your trip, liability coverage can protect you from legal expenses and potential compensation claims.

5. Can You Apply for Travel Insurance for Couples not Living Together?

In many cases, travel insurance for couples not living together is also available. As mentioned earlier, the eligibility criteria may vary depending on the insurer. Some insurers may require proof of the relationship, such as a joint bank account, shared lease, or other forms of documentation. Be sure to inquire with your chosen insurer to understand their specific requirements.

Travel insurance for couples make your moment peaceful 

6. How to Choose Cheap Travel Insurance for Couples

Finding a couples travel insurance money saving expert doesn't mean compromising on coverage. Here are some tips for selecting cost-effective options:

6.1 Compare Quotes

Shop around and get quotes from multiple insurance providers. This allows you to compare coverage and prices to find the best value for your needs.

6.2 Consider Your Needs

Assess the specific needs of you and your partner. Are you looking for comprehensive coverage, or do you need a more basic plan? Tailor the insurance to match your travel style.

6.3 Deductibles

Choosing a policy with a higher deductible can lower your premium. Just ensure that the deductible amount is something you can comfortably afford in case you need to make a claim.

6.4 Bundle with Other Insurance

If you have other insurance policies, such as health or home insurance, check if your insurer offers discounts for bundling multiple policies.

6.5 Take Advantage of Discounts

Some insurers offer discounts for early booking, good health records, or being a member of certain organizations. Explore these options to save on your premium.

7. The Best Annual Travel Insurance for Couples

Selecting the best annual travel insurance for couples can depend on your specific needs, preferences, and the coverage options available. It's important to consider factors such as the destinations you plan to visit, the activities you'll engage in, and any pre-existing medical conditions you may have. 

If you are looking for suitable travel insurance for couples, you can consult some plans in Travelner Insurance. We are a global travel insurance company providing diverse plans to match your requirements.

7.1 Customizable Policies

Travelner Insurance offers customizable one-way travel insurance policies, allowing you to personalize your coverage based on your preferences and needs. This flexibility ensures that you only pay for the protection you truly require.

7.2 24/7 Customer Support

When you choose Travelner Insurance, you gain access to 24/7 customer support, ensuring assistance is readily available in case of emergencies or inquiries. This commitment to customer service enhances the overall travel experience, providing peace of mind throughout your one-way journey.

Travelner Insurance is a trust companion for your trips

In conclusion, travel insurance for couples offers a tailored and comprehensive solution for romantic getaways. It ensures that you and your partner can explore the world together with confidence, knowing that you are protected against unexpected events. Whether you choose a single-trip plan or an annual multi-trip policy, the right insurance can enhance your travel experiences and help you create beautiful memories together. Let’s give Travelner Insurance compassion for your wonderful trip with your loved ones.

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Imagine this, you’ve been saving up for months to take that dream vacation. You’ve got everything covered, from flights to accommodations, and you can’t wait to finally escape life for a little while. But what if your flight gets delayed or, worse, cancelled? What if you get sick or injured, or your luggage gets lost or stolen?

While we don’t like to think about the possibility of something going wrong, the truth is that travelling to a foreign land can be unpredictable. That’s where Admiral Travel Insurance comes in. With a variety of comprehensive coverage options, Admiral Travel Insurance can provide you with the financial security you might require while vacationing.

Join us in this blog as we take a closer look at Admiral Travel Insurance and how you can benefit from it.

What is Admiral Travel Insurance?

Admiral Travel Insurance is a UK-based insurance provider that offers travel insurance for both domestic and international trips. With 30 years in the business, the company provides affordable and reliable travel insurance coverage to customers. Admiral Travel Insurance is underwritten by Great Lakes Insurance SE, and it is regulated by the Financial Conduct Authority (FCA). The company is committed to providing affordable travel insurance coverage that meets the diverse needs of travellers.

Types of Covers Offered by Admiral Travel Insurance

Admiral Travel Insurance offers a range of travel insurance covers to suit the different needs and budgets of their customers. 

Single Trip Travel Insurance

This cover is ideal for travellers taking a one-off trip. It provides comprehensive protection for unexpected events, including medical emergencies, trip cancellations, and lost or stolen baggage.

Annual Multi-Trip Travel Insurance

This cover is suitable for travellers who take multiple trips throughout the year. It provides the same comprehensive protection as the single trip cover, but for multiple trips, potentially saving you money on premiums.

Backpacker Travel Insurance

Folks who travel for an extended period, typically for more than three months, will hugely benefit from this cover. This plan provides coverage for medical emergencies, personal liability, and other unexpected events that can occur while backpacking.

Cruise Travel Insurance

This cover is ideal for travellers going on a cruise holiday. It provides coverage for medical emergencies, trip cancellations, and other events specific to cruise travel, such as missed port departures and cabin confinement.

Winter Sports Travel Insurance

This cover is designed for travellers who plan to go skiing or snowboarding. It provides coverage for medical emergencies, equipment loss or damage, and other unexpected events that can occur while engaging in winter sports.

Business Travel Insurance

This cover is suitable for business travellers who require protection against unexpected events that can occur while travelling for work, such as trip cancellations, lost or stolen baggage, and personal liability.

Read More: Travel Insurance with COVID Cover

Benefits of buying the Admiral Travel Insurance 

There are several benefits to purchasing Admiral Travel Insurance for your next trip:

Flexible policy options & comprehensive coverage

The company offers a range of policy options and comprehensive coverage to suit different types of travellers, from single-trip cover to annual multi-trip cover, backpacker cover, cruise cover, winter sports cover, and more. This flexibility allows you to choose a policy that meets your needs and budget.

24/7 emergency assistance

24/7 emergency assistance is provided to policyholders who need help while travelling. This assistance includes access to medical assistance, travel advice, and more. Their team of experienced and friendly staff are available to answer any questions you may have about your policy or the claims process.

Easy claims process

Admiral Travel Insurance has a simple and straightforward claims process: online or over the phone. This makes it easy to file a claim if you experience an unexpected event while travelling. 

Optional covers

The company offers a range of optional covers that can be added to any policy, such as hazardous activity cover, gadget cover, and cruise plus cover. These covers provide additional protection for specific events or activities, giving you added peace of mind while travelling.

Also, Read: Tesco Travel Insurance

Admiral Travel Insurance Reviews 

Admiral Travel Insurance has received mixed reviews from customers. Most customers have praised the company for its comprehensive coverage, affordable premiums, and excellent customer service.

However, some customers report difficulties in getting claims approved or receiving payment, while others have found that certain events may not be covered by their policy. Additionally, some even have reported confusion over policy exclusions due to unclear explanations. Overall, while Admiral Travel Insurance has its strengths, it’s important for potential customers to do their research and understand the details of their policy to ensure it meets their needs.

Admiral Travel Insurance Login 

Admiral Travel Insurance offers an easy-to-use online portal where customers can log in to manage their policies, view policy documents, and make payments. Here’s how you can create an account on the Admiral website:

• In the top right corner, click on the “My Account” tab and then the “Register” button, followed by filling out the required information.
• You will receive an email from Admiral confirming your registration. Through the link provided, activate your account. 
• Once done, go back to the “My Account” tab on the Admiral website and enter your email address and password in the login form. 

That’s it! You will now be able to access your policy details and manage your account online. In case you want to know how to cancel Admiral Travel Insurance, contact Admiral customer service for assistance.

Admiral Travel Insurance is a reliable and affordable travel insurance provider. If you’re planning a trip and want the peace of mind that comes with knowing that you’re covered for unexpected events, consider purchasing travel insurance from Admiral Travel Insurance. With their wide range of coverage options and excellent customer service, you can travel with confidence, knowing that you’re protected no matter what happens. For more updates on travel insurance, visit Tripcolumn . 

What is the maximum trip length covered by Admiral Travel Insurance?

Admiral Travel Insurance provides coverage for trips up to 365 days in duration. This means that you can take extended trips without having to worry about your coverage expiration.

How do I cancel my Admiral Travel Insurance policy?

To cancel your Admiral travel insurance policy, follow the steps below: 

• Call the Admiral customer service number.
• Explain why you want to cancel your policy and share relevant details like your policy number and personal information.
• Answer any questions that the support team has and get your cancellation confirmation along with any refunds to be received.

What happens if I need medical assistance while travelling?

If you require medical assistance while travelling, you should contact the emergency assistance team provided by Admiral Travel Insurance. They are available 24/7 and can help you find medical assistance, provide advice on your situation, and arrange for any necessary medical transportation or repatriation. Do carry your policy documents with you at all times, as they will contain important contact information and details about your coverage.

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Couples Travel Insurance: Does it save Money?

One question we get often here at Holidaysafe HQ is whether it is actually cheaper to buy a couples travel insurance policy, and the simple answer is yes – if you and your partner meet the right criteria. To help anyone considering a joint policy, we’ve listed our top couples related FAQs and their answers below.

Who qualifies as a couple?

Different insurers may have different rules on what constitutes a ‘couple’, but under the Holidaysafe policies a couple is defined as two people (of any gender) who are 1) in a romantic relationship, and 2) have been living together at the same address for at least six months.

This ensures that only genuine partners receive the discounted rates we provide exclusively for couples. (Simply select ‘couple’ on the first page of our quote process to access the rates.)

What age do you have to be?

Age doesn’t really factor into our definition of a couple, but in general we have no upper age limits on our Single Trip policies, and can cover couples up to the age of 79 on our Multi Trip policies (depending on their destination of choice and the outcome of their medical screening of course).

What if one of us has a health condition?

That is not a problem; you just need to ensure the health condition is declared to your insurer at the time of purchase. Depending on the outcome of your declaration, the insurer may cover the condition for free, charge an additional premium, add a medical excess or even exclude cover altogether depending on the severity – if you’re in any doubt make sure you contact your insurer directly to ensure you’re both covered if the condition causes you to make a claim.

At Holidaysafe we use the specialist Protectif Medical Risk Rating system, which has been created to capture more detail about a customer’s individual circumstances and condition, allowing it to more accurately assess the risks and offer a fairer price.

Which destinations do you cover?

We cover travel to all destinations, except those deemed unsafe by the Foreign, Commonwealth & Development Office (FCDO). To check the FCDO’s current rules on your destination, please visit our dedicated FCDO page. If you are travelling to a red or orange zone, click here to find out how we may still be able to help you get cover.

Can we buy annual cover and then travel separately?

Most Annual policies (now known as Multi Trip policies) can cover all the trips you and your partner take in a 12 month period – whether you’re travelling together or apart. Make sure you read through your policy wording to double check.

Further information

If you have any other questions not answered above, please feel free to visit our FAQs section, our Tips and Advice pages, or contact us. For more information on the cover Holidaysafe can provide specifically, and an award-winning couples travel insurance quotation, please visit https://www.holidaysafe.co.uk/couples-travel-insurance/.

Further reading

• Top 10 Couples Holiday Destinations –  https://www.holidaysafe.co.uk/single-multi-trip-travel-advice/top-10-couples-holiday-destinations/
• 10 of the Most Romantic Holiday Destinations for Couples – https://www.holidaysafe.co.uk/single-multi-trip-travel-advice/10-romantic-holiday-destinations-couples /
• Five of the Most Romantic Destinations to Propose – https://www.holidaysafe.co.uk/single-multi-trip-travel-advice/five-romantic-destinations-propose/
• Five of the Most Unusual Honeymoon Destinations – https://www.holidaysafe.co.uk/single-multi-trip-travel-advice/five-unusual-honeymoon-destinations/
• How to Plan the Ultimate Romantic City Break – https://www.holidaysafe.co.uk/single-multi-trip-travel-advice/plan-ultimate-romantic-city-break/
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Couples travel insurance.

Traveling as a couple is an incredible experience, but it can also be risky. Unexpected circumstances like medical emergencies, flight cancellations, and lost luggage can quickly turn a dream holiday into a nightmare. That’s why couples travel insurance is essential for any adventurous pair. In this article, we’ll explore the benefits of couples travel insurance and what to consider when choosing the right policy.

What is Couples Travel Insurance?

Couples travel insurance is a type of insurance policy that provides coverage for two people traveling together. It typically includes medical coverage, trip cancellation or interruption, and baggage protection. Some policies also include coverage for adventure activities like hiking or scuba diving. It’s important to note that couples travel insurance is not just for romantic partners. It can also be purchased by friends, family members, or any two people traveling together.

Why is Couples Travel Insurance Important?

Traveling as a couple exposes you to more risks than traveling alone. If one of you becomes ill or injured, the other may need to cancel or cut short the trip to provide care. Couples travel insurance can provide coverage for these unexpected events, so you can focus on enjoying your adventure. It can also provide peace of mind knowing that you’re covered if something goes wrong.

What Does Couples Travel Insurance Cover?

Couples travel insurance typically includes the following coverage:

• Medical coverage: This covers emergency medical expenses, including hospitalization, surgery, and medication. Some policies also include coverage for pre-existing conditions.
• Trip cancellation or interruption: This covers the cost of your trip if you need to cancel or cut it short due to a covered event, such as illness or injury.
• Baggage protection: This covers the loss, theft, or damage of your luggage or personal items.

Some policies also include coverage for:

• Adventure activities: This covers injuries or accidents that occur while participating in adventure activities like skiing or scuba diving.
• Travel delays: This covers expenses like meals and accommodation if your trip is delayed due to weather, strikes, or other unforeseeable events.
• Emergency evacuation: This covers the cost of emergency transportation if you need to be airlifted to a hospital or evacuated from a dangerous situation.

What to Consider When Choosing Couples Travel Insurance

When choosing a couples travel insurance policy, consider the following:

• Coverage limits: Make sure the policy provides enough coverage for your needs. For example, if you’re planning an expensive trip, you may need higher medical coverage limits.
• Deductibles: A deductible is the amount you’ll have to pay out of pocket before the insurance company starts covering expenses. Make sure you understand the deductible amounts and how they apply to each type of coverage.
• Exclusions: Exclusions are specific events or situations that the policy does not cover. Make sure you read the policy carefully to understand what is excluded.
• Pre-existing conditions: Some policies may exclude coverage for pre-existing conditions or require a waiting period before coverage applies. If you have a pre-existing condition, make sure you understand how it will be covered.
• Price: Compare the prices and coverage of different policies to find the best value for your needs.

Couples travel insurance is a smart investment for any adventurous duo. It can provide coverage for unexpected events like medical emergencies, trip cancellations, and lost luggage. When choosing a policy, consider the coverage limits, deductibles, exclusions, and price to find the best value for your needs. With the right coverage, you can focus on making unforgettable memories with your travel partner.

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You can create and manage quotes online , and buy policies at any time.

Our online portal is available 24/7 for all your policy needs. You can: View your documents, Change your travel plans: dates and destinations, Add travellers, Update your medical history, Add extra cover, and more!

You can access our portal 24/7, without needing to call us.

• Help and Support
• Travel Insurance

Single Trip Insurance

Cover for a single trip up to 365 days.

Our Single Trip Insurance is perfect whether you’re going abroad for a weekend break or an extended holiday.

5 Star Travel Insurance from Admiral

5 star rated platinum level travel insurance.

Our Platinum level cover has Defaqto's 5 Star rating.

Worldwide cover at your fingertips

Whether you're sightseeing in the UK, city-hopping around Europe or sunning yourself on a beach across the pond, Admiral Travel Insurance covers the UK, Europe and  Worldwide .

Covid-19 - what our travel insurance covers

Our travel insurance now covers you for certain events related to Coronavirus (COVID-19), provided you have proof of a positive Covid-19 test and your cover is active at the time of the event.

What we cover

We provide cover for some costs related to Covid-19: please see Section 1 'emergency medical costs and repatriation' and Section 2 'cancelling or cutting short your trip' in your policy book for full details on what's covered.

We'll cover you if:

• you were diagnosed with Covid-19 before your trip was due to start
• a close relative died or became seriously ill as a result of Covid-19 before your trip was due to start
• you weren't allowed to board your pre-booked outbound travel due to symptoms of Covid-19
• an insured person or a close relative died during the trip because of Covid-19
• you couldn't take part in an excursion due to you self-isolating after getting Covid-19

What we don’t cover

You won't be covered if:

• you had reason to believe your trip may be cancelled, postponed or cut short when you booked it, purchased your policy or started your trip
• any government or public authority imposes travel restrictions or quarantine on a community, location, or vessel because of Covid-19 (this includes, but is not limited to, local lockdowns, entry requirements, being denied entry and airspace closures)
• you have to quarantine after arriving in the UK or abroad
• the Foreign Commonwealth & Development Office (FCDO) change their advice to avoid ‘all travel’ or ‘all but essential travel’ to your destination because of Covid-19

For more information about how Coronavirus (COVID-19) affects your travel cover, see our FAQ page . And remember to check the policy booklet carefully before you buy to make sure our cover meets your needs.

Put your mind at ease with Single Trip Travel Insurance

With our single trip cover, you can rest assured that you're covered if things go wrong on your holiday. Lost luggage, cancelled flights or medical expenses can feel very daunting in a foreign country but you can put your mind at rest with Admiral Travel Insurance.

What are the benefits of Admiral Travel Insurance?

• Three levels of cover
• Secure online booking
• 24-hour emergency assistance helpline
• Cancellation Cover Up to £5,000 depending on cover level
• Personal Belongings Up to £2,500 depending on cover level

Single Trip Insurance is the perfect way to get covered if you don't travel often. Choose from three levels of cover: Admiral, Admiral Gold or Admiral Platinum.

If you plan on taking a few holidays in the next 12 months, our Annual Multi-Trip Travel Insurance cover may suit you better.

What’s covered by Single Trip Insurance?

Here are the benefits included in our Single Trip Travel Insurance (excesses apply). Read the full list in the policy summary booklet .

• Sports and activities
• Emergency medical and repatriation
• Travel and accommodation expenses
• Cancelled trips
• Personal belongings
• Delayed or missed departures
• Money and documents
• Personal accidents
• Legal liability
• Legal assistance

You can choose from Admiral, Admiral Gold or Admiral Platinum Cover.

Whether you want the adrenaline rush of a skiing holiday, or fancy taking to the seas on a cruise, you'll need to add extra cover to your policy. Our Winter Sports Upgrade or Cruise Upgrade need to be added otherwise your trip won't be covered.

Do I need travel insurance if I have a European or Global Health Insurance Card?

Yes, you do. Research by the Foreign Office shows 48% of holidaymakers don't realise that without travel insurance they'd be liable to pay for their own medical cover abroad. Many people believe they're covered just by carrying their European Health Insurance Card (EHIC) if it’s still in date, or the new Global Health Insurance Card (GHIC) that’s replacing it.

However, if you need medical attention the chances are only part of the costs will be taken care of. The EHIC and GHIC aren't an alternative to travel insurance and they won't cover potentially expensive costs such as mountain rescue in ski resorts, flights back to the UK, or lost or stolen property.

What happens if my holiday is cancelled?

Depending on the cover option you choose – Admiral, Admiral Gold, or Admiral Platinum – you'll receive up to £5,000 to cover the costs of your trip, including:

• Deposits or package holiday cancellation charges
• Accommodation and travel costs
• Excursions and activities
• Reasonable cancellation charges for kennel, cattery or professional pet sitter costs
• Car parking fees

You can claim on your travel insurance if you’ve cancelled your trip for one of these reasons:

• Death, illness, injury or complications of pregnancy or childbirth
• Court cases and quarantine
• You were made redundant from the place you’ve worked for two or more years
• You (or your travel companion) are in the Armed Forces or Emergency Services and your leave was cancelled due to an emergency
• Your home was seriously damaged by fire, storm or flood or burgled in the seven days before you’re due to leave for your trip
• Your passport/visa is stolen seven days before your holiday and you can’t get a replacement in time
• FCO advice on travelling to that country changes to advise against ‘all but essential travel’ or ‘all travel’

Find out more about claiming if your trip is cancelled in the policy booklet .

Are there any exclusions?

Like any insurance policy there are some things that aren't covered by Admiral Single Trip Travel Insurance including:

• Claims made as a result of drug-use or drinking too much alcohol
• Failure to tell us about any pre-existing conditions
• Claims resulting from an illegal or criminal act carried out by the policyholder
• Losses or expenses you can recover from elsewhere, or are more specifically insured by another policy

You can read the full list of exclusions in your policy documents .

What if I have a pre-existing condition?

A pre-existing condition is a short or long term illness or injury you have or have had before you buy travel insurance. This includes having symptoms, tests, diagnosis or medical treatment for a condition.

You can declare your pre-existing conditions during the quote process to see if we can offer cover. If you’re unsure what needs to be declared or if you're unable to find your condition on the medical conditions list, please contact us on 0333 234 9913.

Your pre-existing conditions won’t be covered unless you’ve:

• Declared them all on your policy
• Received written confirmation that we’ll cover your medical condition
• Paid any additional premium in full

Policy terms and conditions apply. Please note, if you’ve had a positive diagnosis of Covid-19 and been prescribed medication, received treatment, or had a consultation with a doctor or hospital specialist for any medical condition in the past two years, this needs to be declared on your policy.

If you don’t tell us about your pre-existing conditions or give us incorrect information, your policy may be invalid, and we may refuse all or part of any claim you submit.

For a quote with us, click the green button above.

The MoneyHelper directory

If you require cover for more serious medical conditions, MoneyHelper may be able to help you find specialist travel insurance through their medical directory.

If you wish to get in touch with them you can call them on 0800 138 7777 or find them online . (Monday to Friday 8:00-18:00, closed on Saturday, Sunday and bank holidays.)

How do I get a quote?

Call 0333 234 9913 for a Single Trip Travel Insurance quote or buy online .

Your questions answered

We're sure you'll love our great products but maybe you have a few questions. You can find answers in this section.

What is single trip travel insurance?

If you’re not a frequent traveller and will take one holiday a year, this type of cover might be better for you than an annual policy which covers numerous trips over the year.  Both give protection against things like cancelled trips, lost luggage and a host of sporting activities

When should my single trip travel insurance start?

Your cover begins on the day you selected for it to start and finish (your holiday dates), but your cancellation period starts from the date you bought the cover. 

Does travel insurance cover alcohol-related accidents?

Accidents and illnesses caused by drinking too much alcohol aren’t covered by your policy. 

Does travel insurance cover repatriation?

Yes, Admiral’s holiday insurance covers emergency medical treatment and repatriation as standard. Our emergency assistance service may arrange for your repatriation to your home area if our medical adviser or the doctor treating you thinks it’s safe. The amount covered depends on the tier you choose: 

• Admiral: up to £10m
• Gold: up to £15m
• Platinum: up to £20m  

What does single trip travel insurance mean?

Single trip travel insurance covers you for one trip only, lasting up to 365 days. You must set off from and return to the UK.  

This is different to an annual travel insurance policy, which covers all the trips (up to 31 days at a time) you take in 12 months.

Can I get one-way travel insurance?

No, Admiral doesn't offer one way travel insurance. To buy our cover, you'll need to be travelling from and returning to the UK.

Getting the most out of your trip

Going anywhere nice.

Off to one of the destinations below? Take a look at our guides for some hints and tips on what you need to remember.

Travel insurance that suits you

Whether you're travelling solo, with your family, or with a little one on the way, read our guides to make sure our cover is right for you.

Family Travel Insurance

Student travel insurance, travelling while pregnant, travel insurance over 65, travelling with medical conditions, travel insurance upgrades.

Whether you want the adrenaline rush of a skiing holiday, or fancy taking to the seas on a cruise, you'll need to add extra cover to your policy.

Cruise Travel Insurance

Ski travel insurance, gadget travel insurance, adventurous sports insurance, annual trip insurance.

Protect Your Trip »

Is travel insurance worth it yes, in these 3 scenarios.

These are the scenarios when travel insurance makes most sense.

Is Travel Insurance Worth It?

Getty Images

Travel insurance can be useful, but it's not always necessary.

The key to knowing if you need travel insurance is figuring out your specific risks for any given vacation, then deciding if you can buy coverage that adequately protects you from any financial losses and pitfalls that might occur.

While insurance can be invaluable no matter the traveler and trip, these are the scenarios where it's especially useful:

• You're concerned about flight disruptions: Flight cancellations and delays are commonplace, especially during the holiday and summer travel seasons. Most trip insurance will reimburse you for incidental expenses that occur while you wait for your flight to depart or for your checked luggage to arrive. Examples include meals and hotel stays if your flight is delayed overnight, or clothing and toiletries you have to buy while you wait for your bags to show up at your destination. Limits apply to this coverage, but it can still pay off if you have to use it.
• You need the option to cancel your trip: Do you have a medical condition that might suddenly prevent you from traveling? What about young children who are prone to illness, or the possibility of your beach vacation getting rained out during hurricane season ? These are just some of the instances when cancel for any reason (CFAR) coverage can help. Offered as an add-on to many insurance policies, this coverage lets you cancel your trip for a reason not covered within a typical trip cancellation benefit. If you need to use this coverage, you'll typically get 50% to 80% of your prepaid travel expenses refunded.
• You're traveling internationally: U.S. health insurance policies typically don't cover medical care or emergencies overseas, which is why so many people seek out travel medical insurance . According to Allianz Travel Insurance, the average costs of international medical evacuation can range from $15,000 in Mexico all the way up to $220,000 in Asia, Australia and the Middle East. Fortunately, many travel insurance policies offer up to $500,000 in medical evacuation coverage or potentially more.

The best travel insurance options

If one of the above applies and/or you're still curious about travel insurance, you can find the top-rated policies in a variety of categories below.

Any rates listed are for illustrative purposes only. You should contact the insurance company directly for applicable quotes.

What does travel insurance cover?

You'll quickly notice that each travel insurance policy is different from the next. Most plans offer coverage for trip cancellations and interruptions, lost or delayed baggage, medical emergencies, and other common perils; some let you add optional coverage for a rental car , sporting equipment and more.

To give you an overview of the way different travel insurance policies work, the chart below shows the included benefits in several plans from a travel insurance company called Travelex:

Compare Travelex plans and get a quote .

What does travel insurance not cover?

It's important to note that travel insurance policies cannot possibly cover every unexpected bill you encounter before, during or after a trip. That's because travel insurance is not meant to be used like other types of insurance, including traditional medical coverage you have for routine health care expenses.

According to Allianz Travel Insurance , travel insurance "does not cover losses that arise from expected or reasonably foreseeable events or problems." Here are some of the most common exclusions found in travel insurance policies:

• Civil unrest
• Epidemics (except COVID-19)
• Extreme, high-risk sports
• Government-issued travel bulletins or warnings
• Natural disasters
• Nuclear reaction, radiation or radioactive contamination
• Preexisting conditions (unless specifically covered by your plan)
• Pregnancy-related medical expenses that aren't an emergency (including regular labor and delivery)
• Terrorist events
• Travel to participate or train for a sporting event

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When should you skip travel insurance?

While the cost of a travel insurance policy can be worth it in the end, there are plenty of travel scenarios where you may not need to purchase a plan. Consider the following situations where buying insurance may not be worth the trouble:

• You're planning a short road trip within the U.S.: If you're planning a short trip within the U.S. where your own health insurance coverage will apply, you may not need trip insurance for medical expenses. The fact that you're not flying also means you don't have to worry about flight cancellations, and that your luggage will likely remain in your possession the entire trip.
• You plan to use credit card travel insurance: There may be instances where credit card travel insurance coverage is sufficient for your plans, although only you can make this decision. For example, the popular Chase Sapphire Reserve card comes with trip cancellation and interruption coverage worth up to $10,000 per person and $20,000 per trip; primary rental car coverage for damage or theft worth up to $75,000; lost luggage reimbursement worth up to $3,000 per passenger; emergency evacuation and transportation coverage worth up to $100,000; and more.
• You bought insurance from your travel provider: There may be instances where the travel insurance coverage from your airline or cruise line is good enough. If you're flying within the U.S. to see a family member and staying in their home for free, for example, you'll likely just need protection against flight cancellations, eligible trip delays, and lost or delayed baggage.

Why Trust U.S. News Travel

Holly Johnson is an award-winning writer who has extensive experience when it comes to researching and buying travel insurance for her own trips to more than 50 countries around the world. Johnson has interviewed top executives from many of the best travel insurance companies and has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson also works alongside her husband, Greg, who has been licensed to sell travel insurance in 50 states, in their family media business.

You might also be interested in:

• The Easiest Way to Renew Your Passport
• Is a Travel Agent Worth It? The Pros & Cons
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