" The secret to the Betty James Travel Insurance Strategy is to incorporate three features in the policy you select: 1) include high-limits coverage; 2) buy a "zero trip cost" (aka "post departure") travel insurance policy, and 3) also insist on a policy with which the insurance company will act as the "primary payer"; that is, it will pay service providers directly as compared to secondarily.
A "secondary payer" insurance policy requires YOU to pay for services up front, later submitting receipts and descriptions of services/treatments (in English!) to the insurance company. After the secondary payer determines what, if anything, your other, at-home insurance company will pay, only then will they reimburse you for the balance.
ITN readers have complained to me of slow payments (sometimes very slow) by secondary payers."
https://www.intltravelnews.com/2010/09/the-betty-james-travel-insurance-strategy
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