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Can I Combine 2 Credit Card Travel Insurance Policies?
I am planning an Antarctica cruise a few years down the line, and considering its expense, I am looking at options for Antarctica travel insurance coverage.
I have Chase Sapphire Reserve, which has travel insurance covering up to 20k, but the Antarctica trip costs 30k.
So, is it possible to ‘combine’ two travel insurance policies?
For instance, could I purchase an additional policy to cover the remaining 10k (likely cheaper) rather than acquiring one Antarctica insurance policy to cover the full 30k?
This way, if anything goes awry with my Antarctica cruise and I need to cancel, I could exhaust the Chase travel insurance coverage first and then rely on the other travel insurance policy to cover the remaining balance?
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3 Replies
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I highly recommend securing a separate insurance policy that covers either the entire cost of your cruise or the entirety of your trip.
Credit card travel insurance often comes with significant exclusions.
It’s advisable to contact your credit card provider and inquire about specific coverage details before relying solely on them.
Personally, I utilized World Nomads for my last cruise (fortunately, I didn’t need to make a claim).
Additionally, some cruise ships offer their own insurance for the portions of the trip booked through them.
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No, you cannot split coverage 50-50, and no, you cannot hold two policies simultaneously.
Insurance companies will dispute over which policy holds precedence, and the primary policy would be responsible for coverage.
The secondary policy would only pay out if the coverage of the primary policy falls short.
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If you are buying an Antarctica cruise, check the fine print on your credit card insurance policy because most credit card travel insurance won’t cover such an expensive trip.
It’s just like car rental insurance doesn’t cover exotic cars.
Also, I heard of a horror story where someone had Antarctica travel insurance and their flights got canceled so they missed their cruise departure and travel insurance wouldn’t cover it.
If you are spending $30,000, I wouldn’t be too concerned about spending another couple hundred to have peace of mind.
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