$C_2^2$ is disjointly* covered by $3$ proper subgroups. I couldn't find any other group that is disjointly covered by $3$ proper subgroups. The groups $C_2\times C_{2n}$ for $n\geq 0$ (i define $C_0 = \mathbb Z$) are all covered by $3$ proper subgroups, but not disjointly so unless $n=1$. This can be verified by looking at the subgroups generated by $(1,0), (0,1)$ and $(1,1)$, and it will be a disjoint cover iff $n=1$.
Are there other (finite?) groups which are (disjointly?) covered by $3$ proper subgroups? Has there been a classification of them?
*by disjoint i mean up to the identity element