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.