Our travel insurance with primary coverage kicks in first

Discover travel insurance with primary medical coverage

Most vacations are more fun than frustrating. But if something goes wrong on your trip and you have sudden unexpected costs, you’ll want financial relief — and fast. Whether it’s an injury at a lagoon in Iceland or an illness aboard a cruise to Europe, travel insurance primary medical coverage means your policy could reimburse you with fewer hoops to jump through. This way, you can have a smoother road to replenishing your health and finances.

What’s travel insurance with primary coverage?

Simply put, primary coverage offers a less complicated claims process. It refers to the order in which you can file your medical expense claim with your insurance provider. When you have travel insurance with primary medical coverage, you can file your claims directly with the provider.

Without primary coverage, you’d have to first file claims with other policies you hold, like your private health insurance. Then, you’d need to wait for those claims to be processed and finalized before filing a claim with us. This can take a lot of time and effort, which can be unsettling when you’re already dealing with travel issues and unanticipated costs.

Why should I consider Travelex’s travel insurance with primary coverage?

It’s often hard enough to deal with travel mishaps, let alone multiple insurance policies and any terms that apply. So, at Travelex, we offer travel insurance with primary medical coverage, so you can file your claim with us and let our team handle the rest — instead of filing with your health insurance company first. Plus, if you’re traveling in another country (or even in certain U.S. states), your health insurance may not even apply. But with travel insurance with primary coverage, we’re here to support you with a smoother process.

Here are some top benefits of vacationing with our primary coverage:

Simplicity and speed: Since our travel insurance with primary medical coverage handles claims directly, it often results in quicker reimbursements than plans with secondary (or “excess”) travel insurance medical coverage. You won't have to coordinate between multiple insurers, which can be time-consuming and complicated. This makes a big difference considering the time required for filing, processing a claim, and receiving reimbursement
Extensive protection: Our primary coverage tends to offer a broader range of protection without the need for additional policies elsewhere, which can be crucial in emergencies. Plus, along with your travel insurance with medical coverage, you’ll have other benefits that regular health insurance plans won’t offer — like baggage protection, trip cancellation, and travel delay. You can learn more about our other travel insurance benefits here or scroll down to discover more about each one.
Extra confidence: Knowing that we’ll be the first to process your claim can bring a welcome sense of relief. Then, you can focus on resolving your situation, rather than navigating complex insurance procedures.

What does "deductibles" mean?

If you purchase a health care plan, the deductible refers to the amount you must pay out of pocket before your insurance provider begins to pay your medical expenses. For instance, if your plan has a $1,000 deductible and you suffer an injury that costs you $2,500, you’d have to pay $1,000 towards the bill yourself before your insurer pays a cent.

When you travel with one of our Travelex plans that provide travel insurance with primary coverage, you may not have any deductibles depending on your state of residence. The medical and dental expense benefits do not have a deductible in most states. In the following states, a $50 deductible applies: CT, IN, KS, MO, MT, VT, WA.

This means, in most states, if you have a $20, $200, or $2,000 hospital bill, you aren’t required to pay anything before your travel insurance kicks in to reimburse you. Instead, you’d file a claim with us to be eligible to receive reimbursement for the emergency medical expenses you paid out of pocket.

Which Travelex plans include travel insurance with primary coverage?

You’ll have primary coverage if you buy our Ultimate, Advantage, Travel Med Go or Flight Insure Plus plan. Not sure which one to choose? You can compare and explore each of our plans easily online to help find one that suits your travel needs.

Good to know: Our Essential plan provides excess medical coverage rather than primary — so you’d have to use your primary health insurance plan first. (Note: If you’re a Connecticut resident, you’ll have primary coverage with our Essential plan.)