Primary policies allow you to file a claim with your travel insurance provider first, before filing a claim with your health care provider.
The Emergency Medical benefit on a travel insurance policy will be either Primary or Secondary. Whether a policy is Primary or Secondary determines the order in which a medical claim is filed.
Primary policies allow you to file a claim directly with your travel insurance provider, then with your health care provider for any remaining medical expenses.
Secondary coverage requires you file a claim with any other insurance you may have before filing a claim with your travel insurance provider.
This information can vary based on the travel insurance policy. Please review the policy certificate to verify coverage. If you have questions about a specific policy, please contact us directly at 800-240-0369. Our customer service representatives are available from 8am to 10pm ET seven days a week and are delighted to help!