Travel insurance policies offer either primary or secondary medical coverage. In the event of a medical claim or problem, primary coverage generally ignores your other insurance and pays the claim, if it’s for a covered service. Secondary coverage usually requires that you first go to your primary plan and request payment. With “secondary” coverage, you may be required to pay a deductible and may be asked to exhaust coverage from your other existing polices before filing a claim. In the event you do not have additional insurance coverage in existence, most secondary insurance becomes primary unless otherwise specified.