Travel insurance plans typically include emergency medical & dental coverage. This will either be primary or secondary coverage, depending on the plan. This is important because it determines which insurance company will be the first to receive a claim. TravelSafe explains this in more detail in the news section of their website. The following is an excerpt from the post.
Many travelers and agents are unaware of the differences between primary and secondary medical insurances. Secondary insurances usually kick in when the primary insurance is exhausted, or when the primary insurance does not cover certain areas.
TravelSafe provides secondary medical coverage which may cover the traveler’s medical expenses if injury or sickness occurs during the trip. However, TravelSafe’s coverage continues to cover that traveler’s medical expenses for 52 weeks after the incident. It also becomes primary if the traveler’s personal insurance does not cover him or her outside the United States and covers any out of pocket expenses that his or her personal insurance does not for the indicated time period.
Secondary medical coverage requires a claim first be made with any primary insurance options. Once the claim is completed by the primary insurance, only then could the remaining expenses be paid by secondary insurance. If a traveler has no primary insurance, a claim can be made directly with the secondary insurance. Some travel insurance plans offer a choice of primary or secondary coverage, normally with an increase to the premium cost. Always refer to the certificate of insurance for details.