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Medical coverage- primary vs secondary


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I’m looking into cruise insurance and need some advice.  I called and got quotes today from a website recommended here.  One quote lists medical coverage as being secondary and so we’d file with our insurance first and then the cruise insurance (medical covered up to 75,000). The second quote would have the cruise insurance as our primary insurance and we don’t use our regular medical coverage from what I understand.  On that plan medical expenses are capped at $35,000.  Am I correct to assume that it’s best to go with the coverage where we’d use our regular insurance and then have cruise insurance be secondary?  Very overwhelmed with all of this!  Thank you for any insight.  

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I go with Primary. 
Don’t have to wait for denial letters before travel insurance medical reimburses me.

Also, many personal plans have lifetime limits. Travel insurance won’t count against your personal lifetime.

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