Hi Steve, My girlfriend lives in New Mexico. I live in Washington. We’re planning a two-week self-directed trip to Spain. We haven’t paid any deposits, but expect to do so soon. I’m told we have to have two insurance policies. That would double the premium. Our total trip costs are about $18,000. I’m 68, she’s 66. Do you have any suggestions? Thank you! I like your website and I hope to do business with you. Thanks, Stephen
> I’m told we have to have two insurance policies.
This is correct because you have different mailing addresses. However, you are still Traveling Companions because you are taking the same trip. Here’s more information about this: https://tripinsurancestore.com/your-family-member-or-traveling-companion/
> That would double the premium.
No, the premium wouldn’t double because it’s likely your trip costs will be split between the two of you. You might have some differences in airfare, but I expect most of the other trip costs are the same for each of you.
Look at this page to learn what are your insurable prepaid trip costs: https://tripinsurancestore.com/what-is-your-trip-cost/
And, here are two items to be aware of as you plan your trip:
- If any of your trip costs are being paid with Future Travel Credits including airline E-Credits that you received instead of a cash refund on a trip that was cancelled or interrupted, this will change your Initial Trip Deposit Date and potentially affect both the Pre-Existing Medical Condition and Cancel For Any Reason coverages.
- The Pre-Existing Medical Condition Coverage includes anything that your non-traveling family members have that could worsen and, in turn, cause you to cancel or interrupt your trip.
I hope this makes sense. If you want the right travel insurance advice, call us at 1-888-407-3854 and we'll help you figure it all out.
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