It’s often advantageous to have a joint policy, especially when travelling with a partner who has a medical condition. Separate policies might not automatically cover situations where one partner needs to stay longer due to the other’s illness. A joint policy or adding a travel companion cover can eliminate ambiguity and ensure that both parties are adequately covered for such scenarios. This cover is particularly valuable if one traveller has a medical condition that could potentially disrupt the trip, as it addresses issues like cancellation and curtailment directly linked to the medical condition.
If your travel insurance is provided as a perk through a bank account or credit card, it’s crucial to confirm with your provider that you’re covered for travelling with someone who has a medical condition. Make sure that the policy does not exclude claims related to the partner’s medical issues, which might necessitate an extended stay or trip cancellation. Opting for a travel companion cover as an add-on is a small price for significant peace of mind, ensuring that both travellers are protected under one policy. This approach not only simplifies the claims process but also provides broader cover, making it a sensible choice for couples travelling together.