Buying more than one insurance plan

[vpcats]

I will be doing a transatlantic cruise out of Barcelona at the end of October.  I missed the boat (not the ship :)) and did not buy travel insurance within the 10 -21 days after deposit as required by most companies to get the pre-existing conditions waiver.  Yesterday I bought the Geo-blue annual Trekker plan to cover medical but won't have the other benefits for another mostly paid in full trip. 

 

Is it OK to have this Geo-blue plan AND buy another policy within the 10-21 timeframe when I make another reservation so I will be covered for cancellations and delays, etc. that Geo-blue does not cover?  

 

IF I do buy another policy within the appropriate time frame, THAT would also cover pre-existing medical.  Is it a problem if I have two policies that cover medical then? If they are both "secondary" policies, could you file one and then the other if there are unpaid balances? 

 

Or, would I just buy a single trip policy whenever, that would not include coverage for pre-existing medical conditions waiver?  

 

Thank you.  I am already "stuck" for two trips but have two more planned (in my head).  🙂.