My current insurer, Staysure, “let’s” me pay about £10pa extra to acknowledge my innocuous pre-existing medical condition that ~15% Caucasians have but which I happen to know about (and not because it’s ever been an issue). You can bet that if I didn’t pay it, they’d find a way to make any issue I had sound like it had ‘arisen directly or indirectly from’ it. Or just sod’s law, it really would be the thing that was an issue.
Current policy ends soon, and I’d be happy to switch to Monzo Premium for some of the other perks.
But let’s be honest, it’s the travel insurance alone that makes it £15pcm. Plus goes some way, but personally I think it’s steep at £5pcm, (just not as steep as £15pcm for Premium with unusable travel insurance) and you also lose airport lounge access, metal card, 0.5%, 4 free cash deposits, and £200 fee-free overseas withdrawal.
So, my feedback is I’d like either Premium to be £15pcm* (small-print: Axa may charge a supplemental fee for any notified pre-existing medical conditions), or the whole thing to be more piecemeal; I don’t care about phone insurance, for example.