A travel companion is generally defined as someone you’re traveling with at some point during your trip. This can be a friend, relative, or significant other that shares the same travel arrangements. Typically, you don’t need to be traveling together for the entire duration of your trip for someone to be considered a travel companion, but your itineraries do need to match at some point.
Please note that the definition for a traveling companion can vary depending on the company and policy selected. Always refer to your travel insurance certificate for full details and their definition.
Yes, more often than not, travelers purchase insurance for more than just themselves. However, there are a few restrictions you may encounter when adding another traveler to your policy.
Due to state insurance regulations, some travel insurance companies require that all travel companions reside in the same state to be covered under one policy. If someone in your group lives in a different state or has separate travel plans, it may be best for them to purchase their own policy.
Adding travel companions to your plan is simple when done during the initial purchase. Most insurance providers allow you to include multiple travelers when getting initial quotes.
Because some travel insurance policies have age restrictions, you’ll be asked to provide the ages of all travelers in your group when requesting quotes. Providers will also use this information to determine premiums, as age plays a significant role in travel insurance pricing.
During the checkout process, you will be then asked to provide a few additional details about your group. Including their first name, last name, and date of birth. If you run into issues or have questions, you may contact your provider at any time.
Yes, the total cost of travel insurance usually goes up when you add more travelers to a policy. That’s because the premium is based on factors like each traveler’s age and the total trip cost. So, the more people you insure, the higher the overall price.
However, the cost per person typically remains the same whether you’re all on one policy or each person has their own. Buying a single policy for the whole group can still be more convenient, and sometimes more cost-effective, than purchasing separate plans. It can also make the claims process simpler if a trip disruption affects everyone in your group.