Can we share one annual policy as a couple?

Visitor insurance annual plans are individual policies. Each partner needs their own policy. However, you can purchase both on the same day with the same coverage parameters — and many couples treat this as effectively one annual purchase that covers both of them.

What if one of us needs to cancel a trip the other is still taking?

Coverage is individual. If one partner is hospitalized and can't travel, their trip costs may be covered under trip interruption. The other partner can continue the trip on their own policy without any impact to their coverage.

Do we need to travel together on every trip for the annual plan to work?

No. Annual plans cover each insured person on their own individual trips — including trips where the partners travel separately. If you each take a solo trip in addition to your shared trips, both are covered under your respective annual policies.

Is annual coverage worthwhile if we only take 2 trips per year?

At 2 trips per year, the financial savings are minimal. The real value is convenience — no purchasing insurance before every trip, no risk of forgetting coverage for a last-minute trip, and no gaps if a trip extends unexpectedly.

What if our travel plans include one partner visiting the US while the other visits Europe?

Annual plans cover international travel to any covered country worldwide. Partners traveling to different destinations simultaneously are each covered under their own individual annual policies. There is no geographic restriction to 'shared destination' travel.

📅Annual Multi-Trip Coverage · Couples

Annual Travel Insurance for Couples

Stop buying new insurance for every trip. One annual policy covers all your travels together.

Worth it if you travel: 2+ international trips per year together

Compare Annual Plans →

Couples who travel together 2–3 times a year are the ideal annual plan demographic. Instead of purchasing two single-trip policies before every vacation, one annual purchase covers both travelers for every trip throughout the year — at typically 30–50% less per trip than individual single-trip policies.

What's Covered on Every Trip

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Emergency Medical for Both Travelers

Each partner has individual emergency medical coverage on every covered trip — separate coverage limits per person, not shared.

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Separate Individual Evacuation Coverage

Each partner has individual emergency evacuation coverage — if one partner needs evacuation, the other's coverage is not affected.

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Trip Interruption (Per Person)

If one partner must return home early due to a covered emergency, their non-refundable trip costs are reimbursed. The other partner may continue the trip.

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24/7 Assistance for Both

Both partners have the same emergency contact number — the insurer's medical team is available for either partner on any covered trip.

Annual vs. Single-Trip: Cost Comparison

Annual wins when you take 2+ international trips per year together

Scenario	Single-Trip Cost	Annual Plan	Savings
2 trips × 10 days (couple, both age 40)	$36–$68 × 2 trips × 2 people = $144–$272	$240–$360 for both/year	Break-even; unlimited trips included
3 trips × 10 days (couple, both age 50)	$60–$110 × 3 trips × 2 people = $360–$660	$400–$600 for both/year	Saves up to $60/year
4 trips × 10 days (couple, both age 60)	$105–$196 × 4 trips × 2 people = $840–$1,568	$560–$960 for both/year	Saves $280–$608/year
5 trips × various (couple, age 65+65)	$280–$490 × 5 trips × 2 people = $2,800–$4,900	$800–$1,400 for both/year	Saves $2,000–$3,500/year