Primary and Secondary Emergency Medical & Dental

Published by October 21, 2009

When getting a travel insurance quote, some plans offer primary coverage while others offer secondary coverage with emergency medical & dental.  Primary and secondary refers to who is first in line to receive a medical claim.  If the traveler has primary coverage through travel insurance, then there is a choice of who should receive the claim first, their normal primary healthcare plan, or primary travel insurance plan.  If the travel insurance offers secondary coverage, then all primary options must be exhausted before a claim under secondary coverage can be made.  Secondary coverage can reimburse for deductables, co-payments or remaining costs that the primary insurer did not cover.  Always refer to the certificate of insurance for details.