Primary or Secondary coverage determines the order in which you can file a medical claim.
Secondary policies require you to first file a claim with any other insurance provider you are currently insured with. If your claim is then denied, or the full amount is not paid, you may then file your claim with the travel insurance provider. In the event you do not have any other medical coverage, the Secondary travel insurance would act as your Primary provider.
Primary policies allow you to file your claim directly with the travel insurance provider first, regardless of if you are insured elsewhere. You are not required to purchase Primary coverage if you are not insured with another provider.
The amount of coverage available on the Emergency Medical benefit is not impacted by Primary or Secondary coverage.
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!