If your policy is in excess, meaning secondary, in the event of a claim you are required to first submit your expenses to the liable party.
If you incur medical expenses and you have excess coverage, you must first submit the expenses to your primary and your supplemental health insurance carriers. Although you may know they don’t provide coverage outside of your network, your travel insurance provider does not. You still need to submit to them for an Explanation of Benefits (EOB). If the expenses aren’t reimbursable, they will at least apply to your yearly deductible amount.
If you incur expenses due to Baggage Delay or Baggage Loss and you have excess coverage, you must first submit to the liable party—most of the times this is the airlines, but could also include cruise line, bus line, etc. In order for your insurance company to complete the claim review, documentation is needed from the liable party indicating if they have or will be reimbursing you for the expenses incurred.
By remembering these critical points, you can save yourself time and frustration in the event of a claim.