Travel Insurance Benefits

Secondary Insurance Coverage

Definition: Secondary insurance coverage refers to priority of payment when you file a claim. If you purchase a travel insurance plan with secondary emergency medical and dental benefits, that means you must first file a claim with your primary insurer to determine how much, if anything, they will pay. After that, your travel insurance plan provider can pay the difference (as described in your plan). Remember that travel insurance offers emergency medical and dental benefits, not health insurance.

To find out if your travel insurance plan includes secondary emergency medical and dental benefits, read your policy documents and contact Allianz Global Assistance with any questions.

Example: On a family vacation in Myrtle Beach over the Fourth of July, your rowdy cousin sets off some fireworks. A poorly aimed Roman candle strikes you in the eye, sending you to the emergency room. Your medical bill totals $10,000 — who pays?

You purchased travel insurance for your vacation which includes secondary emergency medical and dental benefits. This means your primary health insurance provider would be the first to pay for your medical care. In this case, after your deductible, your health insurance pays $8,000. You could then file a claim with your travel insurance provider for the remaining $2,000.

Available in: AllTrips Basic, AllTrips Prime, AllTrips Executive, and AllTrips Premier.

Further Reading

See All Travel Insurance Benefits >>

Get a Quote

Type the country where you will be spending the most amount of time.

Required Field Where are you renting a car? Where are you rent...

Required Field Travel Dates

Required Field Plan Start Date

Required Field Invalid Entry Age of Traveler

Required Field Invalid Entry State of Residence

Required Field Invalid Entry Total Trip Cost

Calculate Your Trip Cost

Use this tool to calculate all purchases like ski-lift passes, show tickets, or even rental equipment.

Airfare

Lodging

Cruise

Tours

Other

Do you have a Travel agent ACCAM?

ACCAM ID

Travel Dates

{{quote.travel_dates ? quote.travel_dates : "Departure - Return" | formatDates}}

Plan Start Date

Please correct the validation errors above before proceeding.

Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at 800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or customerservice@allianzassistance.com.