Travel Insurance
You hope that everything will run smoothly on your vacation, but mishaps and accidents can happen. Experiencing an emergency far from home can be scary—and expensive. Travel insurance protects you from the unexpected. Anytime you travel domestically or abroad, purchasing a travel protection plan with primary coverage is recommended.
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It is mandatory for ALL persons who book a Cycle Caribbean package to have travel insurance, regardless If you cycle or not.​
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It’s important to understand the basics: primary and secondary refer to the order in which a travel insurance claim can be filed with the travel insurance provider.​
Primary Coverage
Simply put, primary coverage is less complicated. Primary plans pay from the first dollar, allowing claims to be filed directly with the travel insurance provider and eliminating the involvement of a traveler’s health insurance company.
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One of the biggest advantages of primary coverage is the speed of reimbursement. You’ll typically receive reimbursement on eligible losses first, before any other collectible policy. This becomes important when considering the time required for filing and processing a claim and how quickly you will receive your payment.
Secondary Coverage
With secondary or excess coverage, you will need to exhaust benefits from existing policies and supply proof of your carrier’s disposition before filing a claim for the travel protection benefits.
A deductible payment may also be required before the travel insurance plan kicks in.
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Secondary medical coverage starts paying after any other insurance coverage has paid whatever it will pay. This means that secondary medical coverage can pay the deductibles, co-pays, and additional out-of-pocket expenses up to the policy limit.
Unsure What Coverage to Purchase?
If you are unsure about purchasing travel protection, get answers to questions like these from your existing health insurance provider. Knowing these details will help you understand where your current coverage could fall short if you become ill or injured while traveling:
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Does my health insurance policy provide enough coverage to pay for any medical and dental emergencies that could occur during my trip?
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Does my policy include enough emergency medical transportation coverage?
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Is my policy primary or secondary coverage?
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What would be my deductible or copay if I need emergency medical or dental treatment during my trip?
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Are there limitations on which hospitals I can use where I’m traveling?
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Does my policy cover me when traveling outside the United States?
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Are there any other limitations or exclusions on my policy I should know about before leaving on my trip?
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A primary coverage plan with no deductibles to keep your out-of-pocket expenses low. can be less stressful at the time of need; however, it costs more. Allianz and Travelex insurance plans include primary coverage.​
World Nomads offers policies covering adventure travel and our customers have used them for years without problems, but they provide secondary coverage.
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Please click the below buttons for Allianz, World Nomads and Travelex to make your comparisons.
You can also check with your travel agent, airline, and online to find the Travel Insurance Provider that you like best.
We are not in the business of insurance. We do NOT Sell travel insurance. It does not matter to us which travel insurance you decide to purchase. It is important that you get the kind of coverage that's best for you. For example a person
who has limited or no other coverage will want to get a higher dollar amount of coverage as possible.​
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THE HUGE ADVANTAGE WITH ALLIANZ IS THAT IT IS ACCEPTED AT THE PRIVATE HOSPITALS WE USE IN JAMAICA AND THE DOMINICAN REPUBLIC FOR LARGE PAYMENTS AND SO YOU MAY NOT HAVE TO PAY UPFRONT IF IT IS A LARGE SUM (like hospitalization) but you may still need to pay upfront for small sums (outpatient visit).
