How much does international travel insurance cost?

Yes, many insurers—including Travelner Insurance—allow unmarried couples to purchase couples travel insurance, provided they live at the same residential address. This requirement usually applies regardless of marital status, as long as the couple can demonstrate a stable domestic partnership.

Do You Need to Prove Cohabitation?

While documentation is not always required at the time of purchase, insurers may request proof if a claim is filed. Acceptable forms of proof may include:

• Matching government-issued IDs (e.g., passports or driver’s licenses)

• Utility bills with both names and the same address

• A joint lease or tenancy agreement

This helps confirm that both people are considered a domestic unit under the policy terms.

Example Scenarios

• Eligible: You and your partner live together at the same address, regardless of marital status.

• Not eligible (usually): You and your partner are in a relationship but maintain separate residences—this scenario often requires purchasing two individual travel insurance policies, as most couples plans require shared residency.

Why This Matters

Failing to meet cohabitation requirements could result in a denied claim—especially if one partner incurs a medical emergency or loss during travel. Always read the policy wording carefully or check directly with the provider before purchase.

Need Help?

If you're unsure whether your relationship meets the criteria for a couples travel insurance policy, Travelner Insurance's customer support can clarify documentation requirements and recommend appropriate options for your travel plans.

Yes, many couples’ travel insurance policies include coverage for trip interruptions—such as missed flights, delays, or cancellations—but this protection typically applies only under specific conditions.

What’s Usually Covered?

Most insurers will reimburse non-refundable expenses—such as prepaid accommodations, tours, or transportation—if the interruption is caused by events beyond your control, including:

• Severe weather (e.g., storms, heavy snowfall)

• Airline strikes or mechanical issues

• Medical emergencies affecting one of the travelers

• Accidents on the way to the airport

For example, if your flight is cancelled due to a snowstorm and you miss two nights of hotel stay in Rome, your policy may reimburse those nights if they were non-refundable.

Note: Coverage typically applies only if the event is unforeseen and beyond the traveler’s control. Insurers may also require that the insured took reasonable steps to avoid the delay, such as arriving at the airport within recommended timelines.

What’s Not Covered?

Trip interruption coverage does not apply in situations like:

• Arriving late to the airport due to your own delay

• Incomplete travel documents (e.g., expired passport or missing visa)

• Voluntary changes to your travel itinerary

• Expenses already refunded by airlines or hotels

Additionally, policies often set maximum payout limits per person or per trip, and reimbursement usually excludes any refundable bookings or promotional tickets.

Important Tips

• Carefully read your policy’s “trip interruption” or “missed departure” sections.

• Keep all receipts and documentation—such as airline notices or medical records.

• Report the incident to your insurer as soon as possible.

Need Clarification?

For a better understanding of what your couples travel insurance policy may cover in case of interruptions, you can contact Travelner Insurance Services. Their team can help clarify the policy wording, explain what is typically included or excluded, and assist you in selecting a suitable plan for your specific travel itinerary.

If something unexpected occurs during your trip—such as lost baggage, a delayed flight, or a medical emergency—filing a claim under your couples travel insurance policy is essential to recover eligible costs.

Individual vs. Joint Claims in a Couples Policy

When both partners are covered under a shared couples policy, claims can typically be submitted either jointly or separately, depending on the nature of the incident:

• Joint claim: If both travelers are affected by the same event—like trip cancellation due to a family emergency—one unified claim can be submitted covering shared expenses.

• Individual claim: If only one partner experiences a covered issue—such as lost luggage or hospitalization—they can usually file a claim independently under the same policy.

Example Scenarios

For instance, if you and your partner miss a connecting flight due to a delay, you may submit a joint claim for additional hotel costs and meal expenses. On the other hand, if one partner is hospitalized after a hiking accident, only that individual would need to file a separate claim with the relevant medical reports and receipts.

Basic Steps to File a Travel Insurance Claim

To ensure a smooth claims process, follow these general steps (based on procedures commonly used by insurers such as Travelner Insurance):

1. Notify the insurer as soon as possible through their official claim portal, hotline, or customer support.

2. Complete the claim form, providing accurate travel and personal details.

3. Gather supporting documents, which may include:

   • Medical reports and hospital invoices

   • Flight delay or cancellation confirmations

   • Police reports (in case of theft or loss)

   • Booking confirmations and receipts

4. Submit the completed claim through the specified channel—online upload, email, or physical mail.

5. Track your claim status and respond promptly to any requests for additional information.

Important Tips

• Keep original documents, receipts, and records until your claim is fully resolved.

• File the claim within the timeline specified in your policy—often within 30 to 60 days of the incident.

Need Help?

If you're unsure which documents to prepare or whether your situation qualifies for individual or joint filing, Travelner Insurance Services can assist. Their team can clarify the claims process, explain documentation requirements, and help you understand what your policy does and does not cover—ensuring you're fully prepared whether you're filing for yourself or both travelers.

Yes—but only in some cases. Couples’ travel insurance can cover pre-existing medical conditions, but this is not automatically included in most standard policies.

Insurers decide whether coverage for pre-existing conditions shall be granted; often, it is an optional add-on or medical underwriting that ensures higher premiums in such cases. To qualify, the condition usually must be declared in advance and remain medically stable for 60–180 days before travel. Even when coverage is granted, certain exclusions or a waiting period may still apply.

For tailored recommendations and assistance finding a policy that suits your medical history and travel plans, reach out to Travelner Insurance Services. Our team can guide you through the best options so you can travel confidently and with peace of mind.