ST PETE BEACH, FL November 14, 2011 – As the holidays approach, many travelers are considering travel insurance to cover medical expenses while overseas. According to Squaremouth.com, a site for comparing and purchasing travel insurance, it’s important for travelers to understand how much coverage their health insurance provides before traveling. “Many travelers are unaware their health insurance doesn’t cover them once they leave the U.S.,” says Sarah Byrne, Marketing Manager at Squaremouth. “Understanding what coverage they may or may not have prior to buying travel insurance will ensure the right amount of protection while saving them money.”Travelers who do not have health insurance while traveling have the option of choosing between a primary or secondary medical travel insurance policy. “A secondary plan means that if no other coverage is available, the secondary plan becomes primary,” explains Bill Dismore, Executive Vice President of iTravelInsured, a travel insurance provider. Since they are not restricted to the type of coverage they can buy, Squaremouth encourages travelers to look for travel insurance policies with the best coverage for the lowest price.
While comparing travel insurance policies, don’t assume a secondary policy is inferior to a primary policy. The only difference between the two is the order in which a travel insurance claim can be filed with the travel insurance provider. Primary policies allow claims to be filed directly with the travel insurance provider, eliminating any involvement of a traveler’s health insurance company, while secondary policies require filing the claim with any existing insurance before filing with the travel insurance provider.
Although a secondary travel insurance policy can require more paperwork during the claims process, travelers usually find more coverage in a secondary policy for the same value as a primary policy. However, if someone wants the convenience of only filing with one insurance provider, Squaremouth recommends buying a primary travel insurance policy. Primary policies are available from travel insurance providers including Travel Guard, Travel Insured International, Travelex Insurance Services and USA Assist.
If a traveler’s health insurance covers them overseas, Squaremouth recommends checking how much coverage is available. “If someone has a large deductible with their primary health care, they can purchase a secondary travel insurance policy to pick up any deductibles or out of pocket expenses,” says Chris Harvey, CEO of Squaremouth. “Secondary travel insurance policies are available with smaller amounts of medical and medical evacuation for this reason.” Choosing secondary coverage is a good way to save money on the premium without sacrificing a lot of coverage.
Squaremouth is America’s fastest growing travel insurance comparison site, helping customers instantly quote, compare and buy policies from every major carrier. Squaremouth has web sites in the US and UK, and an extensive network of partner sites worldwide. The company is headquartered in St Pete Beach, FL., with offices in Fort Wayne, IN. Visit Squaremouth.com or Squaremouth.co.uk.
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