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Travel insurance 'double cover'

Aldi1234
Posts: 8 Forumite

It seems that, particularly with travel insurance, it's not always possible to avoid being 'double insured'. I have travel insurance as part of my bank account, however, they won't provide cover for existing medical conditions. This obviously means that I've had to buy annual travel insurance with a company that do. Unfortunately one can't seem to buy insurance that only covers existing conditions, therefore one ends up being double covered for all the other eventualities.
Why is it not possible to get cover specifically for one's permanent ailments and let the other policy cover for the rest?
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Comments
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Presumably because there is insufficient demand and with the base price of insurance being so cheap it'll make hardly any difference to the price charged0
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Will the bank not cover pre-existing conditions or is there an additional charge for them? If an insurer would provide cover just for pre-existing conditions I would expect the premiums to be prohibitively high because the cover is high risk.
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Aldi1234 said:Unfortunately one can't seem to buy insurance that only covers existing conditions, therefore one ends up being double covered for all the other eventualities.Why is it not possible to get cover specifically for one's permanent ailments and let the other policy cover for the rest?0
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