My traveling companion and I have different citizenships, can we be on the same travel insurance policy?
Travelers often question whether they are able to be listed on the same travel insurance policy if they reside in the same state, but hold different citizenships. The short answer is yes. However, in few cases, some travel insurance coverage may vary based on the country of citizenship of the travelers.
For example, Mary and John are a married couple living in Florida. Mary is a citizen of the United States and John is a citizen of the United Kingdom. Even if the two travelers quote together, travel insurance coverage will be governed by the specifications in the policy pertaining to each traveler’s country of citizenship. However, very few travel insurance policies have restrictions based on the country of citizenship.
As an additional option, travelers can purchase separate policies if necessary. In most cases, travelers find that purchasing separate policies is about the same price as purchasing one policy. It is important to know that even when travelers purchase separately, their policies cover them as “traveling companions” as long as they share the same travel itinerary.
To identify possible limitations and to choose the right travel insurance benefits, travelers should thoroughly review their policy certificate for any exclusions related to citizenships.