Have you ever wondered how primary and secondary coverages differ in terms of travel insurance? Understanding the difference between the two may help you choose your next travel protection plan. Our Worldwide Trip Protector suite of plans offer primary coverage for certain benefits. It is either standard on the plans or offered as an upgrade.* Let’s break down the two coverages and gain some clarity on the subject.

Primary Coverage

Imagine you are on vacation and you experience an accident. It’s the last thing you would want to happen while away. You may seek medical assistance while wondering how you will pay for it. Many people have health insurance through their employer or by other means. However, while on vacation, you may assume you can use your protection plan to help pay for your medical expenses on a first-dollar basis. After all, the accident happened during your trip, so why not? This is where primary and secondary coverages come into play. In this scenario, primary coverage allows you to submit a claim for eligible medical expenses on your protection plan first, regardless of other insurance you may have. If your claim is accepted and the plan doesn’t cover the expenses completely, you may tap your personal health insurance next. Primary coverage is standard for the Accident and Sickness Medical Expense benefit on the Worldwide Trip Protector Plus plan. You must meet certain requirements to extract benefits. Primary coverage is offered as an upgrade on the Worldwide Trip Protector plan. However, the Worldwide Trip Protector Lite plan doesn’t offer primary coverage for the benefit. It is good to know which plans offer primary coverage as standard or an upgrade. Overall, learning how primary coverage is offered in different plans may affect your choice.

Secondary Coverage

Secondary coverage refers to utilizing your travel protection plan as a secondary option after your personal insurance pays out. Think of it as a back-up to your personal insurance. Of course, all requirements have to be met before the claim can be accepted. In a nutshell, secondary coverage has its advantages. It allows you to have a possible second resource for unexpected trip expenses.

It is easy to assume that your travel protection plan should cover all your eligible expenses primarily. However, understanding the coverages may help you avoid frustration and confusion later. There is another factor to keep in mind. Let’s say you choose the Worldwide Trip Protector plan for your trip. If you don’t choose to upgrade to primary coverage at the time you purchase, you won’t be able to later. That goes for all optional upgrades on the plans we offer. It would be unfortunate to realize too late that you do not have primary coverage. Learning how primary and secondary coverages differ is a great way to get to know your travel protection plan. If you want to learn more, visit our help center at www.travelinsured.com. It can answer many of your questions on this subject and more!

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*Terms and conditions apply.

** This blog contains highlights of the plans, which include travel insurance coverages underwritten by United States Fire Insurance Company under form series T210 et. al. and TP-401 et. al. The plans also contain non‑insurance Travel Assistance Services provided by C&F Services through Active Claims Management (2018) Inc., operating as Active Care Management. The cost of your plan is for the full plan. The Crum & Forster group of companies is rated A (Excellent) by AM Best 2019. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. Insurance coverages are subject to the terms, limitations and exclusions in the plan, including an exclusion for pre-existing conditions. Coverages may vary and not all coverage is available in all jurisdictions. In most states, your travel retailer is not a licensed insurance producer/agent, and is not qualified or authorized to answer technical questions about the terms, benefits, exclusions, and conditions of the insurance offered or to evaluate the adequacy of your existing insurance coverage.  Your travel retailer may provide general information about the plans offered, including a description of the coverage and price. The purchase of travel insurance is not required in order to purchase any other product or service from your travel retailer. CA DOI toll free number: 800-927-4357. MD Insurance Administration: 800-492-6116 or 410-468-2340. Individuals looking to obtain additional information regarding the features and pricing of each travel plan component, please contact Travel Insured: 855 Winding Brook Drive, Glastonbury, CT 06033; 800-243-3174; customercare@travelinsured.com; California license #0I13223.