“Primary” designates the order in which an Emergency Medical claim is filed within a travel insurance policy. A policy with Primary Emergency Medical coverage allows travelers to file a claim for reimbursement directly with their travel insurance provider. If a traveler has any remaining medical expenses after filing a claim with the travel insurance company, they may then file a separate claim with their own health insurance provider.
“Secondary” Emergency Medical coverage is the alternative form of medical insurance. This coverage requires that you first claim directly with your own primary health insurance provider before claiming for medical expenses with your travel insurance provider.
All Tin Leg policies offer Primary Medical coverage, starting with $100,000 per person on the Economy plan, $250,000 per person on the Standard plan, and $500,000 per person on the Luxury plan.
The amount of the Emergency Medical benefit is not impacted by the type of coverage (Primary or Secondary). Travelers are not required to purchase a Primary policy if they do not have their own health insurance, or if their health insurance does not cover them at their destination.