Can insurance for two [couple?] be used for one traveller?

I'm based in the UK and my OH and I frequently travel around Europe - normally we get yearly European travel insurance for a 'couple' and that covers us both.

However, this year I plan to travel (alone) to the USA - is it worth getting worldwide insurance for two so we only need one insurance plan, or will the fact that it is for two people invalidate it if I travel alone?

I get the feeling this might be down to the discretion of individual insurers, so that would be my next port of all, but wondered first if any seasoned travellers had any advice.

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Best Answer

The only way to be sure would be to check the wording of the actual policy, or to check with the insurance company, however I would be very surprised if you were NOT covered when travelling alone.

I also have annual travel insurance, and a quick check of the policy document shows that it does cover adults (but not children!) when travelling alone, even if covered under a family policy.

You may also wish to check that your policy is suitable for travel to the US. Many policies aimed at other parts of the world have limits that are lower than may be required in the US, especially for medial fees. Given you normally travel in Europe you're probably OK, but it would be worth checking.

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Can you add someone to your travel insurance?

Generally speaking, it's not possible to add or replace travelers on an existing policy, so if you've bought your coverage and still have other traveling companions who need insurance they're going to need to purchase their own policy.

Is insurance necessary for a Traveller?

The USA does not necessarily require foreign visitors to obtain travel health insurance before they're allowed to enter, however, it is highly recommended. The US is known for having very high healthcare costs, where a simple ER visit can reach thousands of dollars.

What is the difference between single trip and multi trip insurance?

A single trip, with multiple destinations (i.e., from home to Paris, then London, then Madrid, then back home at the conclusion of your tour) can be covered by a traditional travel insurance comprehensive plan. Multi-trip plans are available for purchase on an annual basis only and cover a wide range of options.

Can you have two travel insurance?

It's not illegal to be dual insured, but it can make claiming more complicated. For example, if you needed medical care abroad and had two travel insurance policies that could payout for the claim, you won't get double the money. Instead, the insurers would decide how they will split the bill.

Travel Insurance | Tips For Choosing Best Health Coverage For A Long Trip | Digital Nomad Series

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