Definition: Primary insurance coverage refers to priority of payment when you file a claim. If you purchase a travel insurance plan with primary emergency medical and dental benefits, that means the travel insurance company is the first payer or reimburser of those benefits. Please note that coverage limits do apply, including a sublimit for emergency dental benefits, depending on the plan you choose.
It’s important to note that travel insurance offers emergency medical and dental benefits, not health insurance. After paying a claim, your travel insurance provider may seek reimbursement from your health insurance company.
To find out if your travel insurance plan includes primary emergency medical and dental benefits, read your policy documents and contact Allianz Global Assistance with any questions.
Example: While skiing in Switzerland, you take a tumble and fracture your femur. After getting treated for the injury at a Swiss hospital, you’re handed a staggeringly large medical bill. Your regular health insurance provides limited emergency medical coverage overseas, with a $5,000 cap. Uh-oh. Fortunately, you purchased travel insurance from Allianz Global Assistance that includes primary emergency medical and dental benefits. Your travel insurance plan reimburses your emergency medical expenses, so all you have to worry about is your recovery.