Call us hopeless romantics, but when we think of couples traveling together, we can’t help but think of all the travel insurance facts they need to know to protect their trip. While married couples living together will find it easier to insure a trip together, non-married couples need to be a little more aware. Here are some lesser-known tidbits that could help you and your significant other avoid travel disasters and stay focused on each other.
Proof of Domestic Partnership. Most travel insurance companies will allow you and your domestic partner to be listed on the same policy and define the two of you as family members. Depending on the policy you choose, documentation of your partnership may be needed if you end up having to make a claim. The provider might ask for proof that you and your partner have shared a home for a specified amount of time (this could be anywhere from six months to a year. They may also ask you to provide documents showing that the two of you are financially interdependent in some way – like a copy of a shared lease or a jointly held bank account. Keep in mind, these benefits may be contingent on whether the states' legally recognize domestic partnerships.
Living Separately, Insuring Together . If you and your significant other live separately, you may not be able to be covered under the same travel insurance policy. While providers generally prefer that everyone on a policy are residents of the same household, not all require it. If you and your Valentine are living separately but insuring together , be aware that any paperwork related to your insurance policy – particular in the event of the claim – will only be sent to one of you (the person listed as a primary on the insurance policy itself). If the two of you happen to live in separate states, you may not be legally able to share a policy since states’ regulations vary.
A quick call to our Customer Care Center would be the best way to find out if there’s any policy that will allow you to insure jointly in this instance.