What is the difference between primary coverage and secondary coverage in travel insurance, medical?.


Primary coverage will pay FIRST, before any other collectible insurance. Secondary coverage will pay you after any other Primary collectible insurance has paid the claim and the Primary policies' limits have been exhausted. Plans with secondary coverage do not have a requirement that your primary coverage apply where you are traveling to be eligible for purchase. If you are viewing a plan that states "Primary coverage required", this means you must have primary coverage in the state that you reside (it does not have to be primary coverage where you will be traveling to). Plans with companies such as Blue Cross, United Healthcare and Medicare would qualify as primary coverage. Medicaid however is not considered a primary plan.
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