Hopefully this is the right forum - I couldn't find a better one! We are flying to the US for a 6 week trip. Normally we use the travel insurance offered with our CC - it offers unlimited medical - which is is the only benefit that matters really.
However for this trip, because of the price of medical in the US - they refused to cover my partner's pre-existing medical conditions - though they otherwise did not decline cover - everything else is fine.
We shopped around and found another big company in NZ who will insure his pre-existing - and at a reasonable price. So his insurance is sorted.
The question is - should I stick with the "free" travel insurance with the CC - or pay to be insured by the same company as he is. The benefits are pretty similar and the CC will cover me entirely because I don't have pre-existing conditions.
AS we are road tripping the nightmare would be is that if we were involved in a car accident - would we end up with 2 insurance companies fighting not to pay and making the other one liable? Anyone got any experience?