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 unexpected travel costs 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 plan and define the two of you as family members. Depending on the policy you choose, documentation of your partnership may be needed if you file 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. The company may also ask you to provide documents showing that the two of you are financially interdependent in some way. This could be determined through a copy of a shared lease or a jointly held bank account. Keep in mind, these benefits may be contingent on whether the state you reside in 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 plan. While insurance companies generally prefer that everyone on a plan are residents of the same household, it may not be a requirement for all plans. If you and your valentine are living separately but insuring together, be aware that any paperwork related to your plan – particular in the event of the claim – will only be sent to one of you (the person listed as the primary traveler on the insurance plan itself).
If the two of you happen to live in separate states, you may not be legally able to share a plan since states’ regulations vary. A 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.