floridababa Posted February 23, 2022 #1 Share Posted February 23, 2022 Is it possible to take out 2 different insurance policies? Hubby has a preexisting condition so was looking at an annual policy for this. Does not include trip cancellation , trip interruption, baggage delays but does include medical and preexisting. I would then take out a second policy that covers for only one trip at a time. Looking for ideas Link to comment Share on other sites More sharing options...
Daniel A Posted February 23, 2022 #2 Share Posted February 23, 2022 (edited) 4 minutes ago, floridababa said: Is it possible to take out 2 different insurance policies? Hubby has a preexisting condition so was looking at an annual policy for this. Does not include trip cancellation , trip interruption, baggage delays but does include medical and preexisting. I would then take out a second policy that covers for only one trip at a time. Looking for ideas You might get better results by posting your question on the Cruise/Travel Insurance board. You can find it here: Cruise/Travel Insurance - Cruise Critic Community Edited February 23, 2022 by Daniel A Link to comment Share on other sites More sharing options...
riffatsea Posted February 23, 2022 #3 Share Posted February 23, 2022 Our Chase Sapphire visa gives us the trip delay cancellation etc insurance We have a separate y early travel medical po licy that covers preexisting conditions and evacuation Link to comment Share on other sites More sharing options...
Babr Posted February 23, 2022 #4 Share Posted February 23, 2022 The problem with that is the fact that Chase does not cover pre-existing conditions so you still do not have coverage for any cancellation or interruption resulting from such a condition. There is no waiver or look-back period as with a comprehensive travel policy. Anything that exists or occurs prior to the initial deposit date can be the basis for claim denial. Link to comment Share on other sites More sharing options...
Babr Posted February 24, 2022 #5 Share Posted February 24, 2022 6 hours ago, floridababa said: Is it possible to take out 2 different insurance policies? Hubby has a preexisting condition so was looking at an annual policy for this. Does not include trip cancellation , trip interruption, baggage delays but does include medical and preexisting. I would then take out a second policy that covers for only one trip at a time. Looking for ideas If you have to buy a comprehensive policy for each trip, you lose any advantage of having the annual medical. You are paying twice, maybe three times depending on your primary health insurance, for medical coverage; and you create the added complication of coordination of benefits among all those policies. Consult a professional like Steve Dasseos or one of his associates at the Trip Insurance Store for guidance. 1 Link to comment Share on other sites More sharing options...
floridababa Posted February 24, 2022 Author #6 Share Posted February 24, 2022 Thank you for your help Link to comment Share on other sites More sharing options...
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