It is best to review your current insurance programs and the coverage they offer when you are traveling. Many HMO’s and PPO’s offer limited coverage when traveling outside your networks. Medicare supplement benefits also need to be reviewed to determine their exact benefits or lack of benefits when traveling. Some travel insurance plans offer primary medical coverage because of the varying degree of limitations offered by many medical plans. Homeowner’s and rental policies often have large deductibles in the event of lost or stolen baggage when traveling.