Relationship

Individual:
All travellers aged between 18 and 64 (or 74 if a seniors 65+ policy is purchased) are considered 'individual' travellers. The only condition is that an 'individual' traveller must be a resident of the UK for at least 6 months prior to purchase of the policy.

Couple:
A couple constitutes of two persons (as an individual and their spouse or partner) aged between 18 and 64, who have lived together for at least 6 months. Each individual named on the insurance is considered to be separately insured hence individuals are still covered even if travelling separately. However, only Annual Multi-Trip policy gives a Couple cover. The only condition is that both the travellers must have been residents of the UK for at least 6 months prior to purchase.

Family:
A family is defined as one or two adults (an individual and their spouse or partner) and their dependent or legally adopted children. It is essential for the partners to have lived together for 6 months or more and to be aged between 18 and 64, while the children should be under 18 at the date of purchase and should be either in full-time education or living with them.
Each individual adult named on the insurance is considered to be separately insured hence they are still covered if travelling separately from main family. Children under the age of 18 are only covered to travel without insured adults on annual policies when they are travelling (on non-stop basis) to meet up with parents or relatives upon arrival.
All travellers must have been residents of the UK for at least 6 months prior to purchase.