Most travel insurance plans provide emergency medical & dental coverage. This benefit will either be primary or secondary coverage. Secondary coverage means that any medical claim must first be made through the traveler’s primary health care plan. Any remaining costs or out of pocket expenses, such as deductibles and co-payments can then be claimed under the secondary emergency medical & dental benefit. If the traveler does not have a primary health care plan, then the secondary travel insurance is the first place to make the claim. When the emergency medical & dental benefit is primary coverage, then the traveler has the choice of where to first make the claim. Always refer to the certificate of insurance for details.
