Primary coverage means we’re the first ones to reimburse your emergency medical expenses — rather than your health insurance company — if we accept your medical-related travel insurance claim.

Primary plans pay out from the first dollar owed. Plus, the biggest benefit of having primary coverage is the speed of reimbursement. With primary coverage, you typically receive reimbursement on eligible losses first, before any other collectible policy.

Our plans that include primary coverage are Ultimate, Advantage, Travel Med Go, and Flight Insure Plus. Our Essential plan does not include primary coverage (except for Connecticut residents).