Do you have to be married to be covered under the same insurance policy?

If you are not legally married to your partner, then you will have to purchase two separate policies. Even if you are legally married, it is still best to purchase separate policies. Since travel medical insurance pricing is regulated by the Department of Insurance, the pricing and benefits are the same whether you purchase one combined policy or two separate policies. Having separate policies allows you to make changes to the policies independently from one another. If you had purchased a combined policy, any changes you want to make to one insured would have to happen to both insureds; this is why we always recommend purchasing separate policies.

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