Many travelers have primary health care such as an HMO, PPO or Medicare, but they can provide little or no coverage when a traveler out of the country. Often, deductibles may be increased or the co-payments different than if they were in the home country and state. Most travel insurance plans provide emergency medical & dental coverage, but look closely at whether it is primary coverage or secondary coverage. If the traveler selects a plan with primary emergency medical & dental coverage, then a claim can be filed directly with the travel insurance carrier, and not the traveler’s primary health care back home. This can help avoid extra paperwork, confusion and out of pocket costs. Always refer to the certificate of insurance for details.