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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The cornerstone of our commitment to customers is Squaremouth’s guarantee to remove any company from our website if there is a customer complaint that cannot be resolved to our satisfaction. Squaremouth offers the broadest selection of insurance with an emphasis on quality and follow-up care in companies featured. We also factor in independent evaluation from the insurance industry watchdog AM Best.
Squaremouth offers products from the following travel insurance carriers:
Air Ambulance Card, CSA Travel Protection, Global Alert Admin, Global Rescue, Global Underwriters, HCC, HTH Worldwide, IMG, ITravelInsured, Medex, Medjet Assist, MH Ross, On Call International, Seven Corners, Travel Guard, Travel Insurance Services, Travel Insured, Travelers Liberty, Travelex, TravelSafe and USA Assist.
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