When buying a joint travel insurance policy, be sure to check the policy details (normally viewable online) before you finalise the purchase.

On each policy document you will find details of how much cover you will be provided with for the cost of the premium. This is normally displayed in a table illustrating a breakdown of the cover you are paying for which will include details on how much cover you get for emergency medical expenses and if your holiday is cancelled, for example.

However, in the case of a joint policy sometimes the policy wording isn’t transparent about whether the amount of cover provided is per person or per policy and therefore divisible by two.

In the policy ‘definitions’ it may state whether the cover is per person or the total amount for the two travellers.

For example, in Endsleigh’s Travel Insurance policy the section called ‘definitions’ provides an explanation into what the insurer means when they refer to “You/Your/Insured Person”. The insurer will use these terms to explain the cover provided for “each person travelling on a Trip whose name appears in the Statement of Insurance”.

This would indicate that each person named on the travel insurance policy would each be entitled to the amount of cover as set out in the wording of the policy.

However, if you aren’t sure of how much cover you are getting after reading the travel insurance policy documents, you would probably be wise to ring the insurer and find out for sure or you may end up without adequate cover.

Going on holiday? Why not compare travel insurance.