Is it ok to have travel insurance from more than one company?
score:4
When you have multiple insurances covering the same thing, you can apply to any single of these insurances to get your damages covered, and they have to cover it in the same way as if they were your only insurers.
They may try to recover money from the other insurance, but (1) that doesn't affect you, and (2) the other insurance has no reason to give the first insurance any money, since there is no contract between them. And (3) a significant part of the cost for an insurance claim is handling the claim. You are not the only person with two insurances, and someone will claim at the other insurance, so it's cheapest for all insurances to just pay without causing each other extra work and cost.
It's just bad luck / good luck for the insurance if you ask the insurance to pay / ask another insurance to pay.
Upvote:1
Typically, credit card travel insurance only covers travel that you pay for - completely - with that credit card.
As you can only 'pay completely' with one card, the problem doesn't really exist.
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Source: stackoverflow.com
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