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. 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 Partnerships. Most travel insurance companies will allow you and your domestic partner to be listed on the same policy, and will define the two of you as family members, as long as you live together. However, depending on the policy you choose, you may have to provide some documentation of your partnership if you end up having to make a claim. Your insurance company 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), or they may 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.
Living Separately, Insuring Together. If you and your significant other don't live together, you'll need to do a little research to figure out whether or not you can both be covered under the same travel insurance policy. While travel insurance companies generally prefer that everyone on a policy are residents of the same household, it's not technically a requirement. However, if you and your Valentine are living separately but insuring together, be aware that any paperwork related to your insurance policy – particularly in the event of a claim – will only be sent to one of you (the person listed as "primary" on the insurance policy itself). Also, if the two of you happen to live in separate states, you may not be legally able to share an insurance policy, since states' regulations may differ. A call to our Customer Care Center would be the best way to find out if there's any hope of insuring jointly in this instance.