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Primary isn't better than Secondary coverage. The difference is the order your claims are paid. |
Here's How Primary &
Secondary Medical Coverage Differ:
Primary Medical Coverage means your medical bills are paid from the first dollar. No "coordination of benefit" claim forms need to be filed.
Secondary Medical Coverage requires you to submit any medical bills to any other insurance you have (even if it dosn't cover you outside Canada). This can slow down the process, but it can save you a lot of money on the cost of the insurance
Here's a little detail that's good to know: You probably will have to pay your medical bills yourself while on your trip. That's because travel insurance plans are "indemnification" plans (you will be reimbursed - indemnified) after your trip by the insurance company. Travel insurance is not a "pay on behalf of" plan. You don't just give the medical facility a card. In some cases, a few companies can guarantee payment to the medical facility, but it's on a case-by-case basis.
Here's another little detail that's good to know: Secondary coverage assumes you have other coverage that's Primary. If you don't have other coverage Secondary becomes Primary.
How Much Medical & Emergency Medical Evacuation Coverage is Adequate?
There are a few things you need to find out before you settle on an amount of Emergency Medical/Dental and Emergency Medical Transportation coverage.
As for the emergency medical transportation cost, we know of one that was from Rochester Mayo to South Africa with a team of doctors on the plane. It cost $122,000. We also know of transports from the Caribbean to the USA that cost about $25,000.
One thing to be aware of is that the emergency medical transportation portion of a policy doesn't pay for the medical treatment. That's covered under the emergency medical portion of the travel insurance policy.
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