Holiday Insurance- Can I do this?

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Been looking at holiday insurance as we are heading to Las Vegas for 2 weeks later this year.

Ive not had travel insurance since 4 years ago and I’m amazed at how high the quotes have come back.

Situation is that my husband is 11 years younger than me but its him that has the pre existing medical condition to declare.

Ive been reading the info on this site regarding travel insurance tips etc.

After reading the info I tried doing quotes based on 2 separate policies, one for hubby and one for me. Doing this I’m getting quotes for £40-60 for each of us. Putting us both on one policy returns quotes of a minimum of £190.

So obviously its a lot cheaper to insure us separately rather than on one policy.

Is there any catch or reason that I cant do it that way?

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