I have Blue Cross and I bought a travel insurance plan with Primary medical coverage. I got sick on my cruise and I mistakenly submitted the claim to Blue Cross and they paid it all. Why won’t my Primary coverage travel insurance plan pay me, too? William
Well William, it comes down to the fact that you don’t have any out-of-pocket financial loss.
Travel Insurance reimburses you for your out-of-pocket financial losses. In your case it could have been the money you had to pay when you got sick on your cruise that Blue Cross didn’t cover.
However, the fact that Blue Cross paid your entire bill means that you do not have an out-of-pocket financial loss.