How does supplemental insurance work?
Like all travel insurance policies, the coverage provided by iNext and Travel Guard® is supplemental or secondary to any other coverage that you may have. In other words, if you are covered by another insurance policy – e.g., a personal policy, college/university policy, or a policy maintained by your parents – then that policy is your primary policy. Prior to departure, you should contact your primary insurance carrier concerning coverage for accidents, illnesses, and liability cases that occur outside the U.S. Check your policy’s limitations before making any assumptions about coverage. In the event that you must file a claim for reimbursement of medical expenses incurred while you are abroad, please note that you must file a claim with your primary insurance carrier FIRST to determine what, if any, portion of those medical expenses are reimbursable through your primary policy. Subsequently, you should file a claim with Travel Guard® for any amount that was not covered by your primar
