Having a medical emergency far from home can be scary - and expensive. 

Is primary coverage necessary, or is secondary coverage enough?
Will secondary coverage leave you vulnerable?

Anytime you travel abroad or domestically, purchasing a travel protection plan with primary coverage is recommended.

Primary coverage is less complicated:

With primary coverage, your clients typically receive reimbursement on eligible losses first, before any other collectible policy. This becomes important when considering the time required to file and process a claim and receive payment.

With secondary coverage, you would need to exhaust benefits from existing policies (i.e. health insurance) and supply proof of their carrier's disposition before filing a claim for the travel protection benefits. A deductible payment may also be required.


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