Travel Medical Insurance... Is yours a Primary or Secondary Policy?

Last year we purchased Trekker Choice through GeoBlue with web and mobile support. Prior to our renewal, I decided to do a little research. Articles I read suggested overseas travel insurance should be a primary-payer, purchased directly from a company like GeoBlue, not a tour operator or cruise line.

Online I was asked to answer if we had health insurance in the US. I phoned customer service and was told in order to cover a pre-existing circumstance, the company needs to make sure we had addressed medical concerns at home otherwise it would not be covered.

We always worried about some unforeseen accident like an acquaintance had a tour van back into her. For years I have read about MedjetAssist and Travel Guard, but with a $50 deductible, our ages, zip code, I renewed again 2 adults for $390.

We like how it covers unlimited trips in a 12 month period (70 days max. per trip). Up to $250K for sickness and accidents, $500K medical evacuation benefits, and covers pre-existing conditions for medical services and medical evacuation, also a no hospital pre-certification penalty.  

Pondering the next adventure, does your ‘trip’ insurance cover those additional days before the tour or after a cruise? Remember in most situations Medicare will not pay for health care or supplies outside of the US. Safe Travels!