How does your medical coverage work?

It depends on how quickly you buy ExactCare. In most states, if you buy ExactCare within 15 days of your first trip payment, our medical coverage is primary. That means we pay on the covered part of your medical bills first.

If you purchase after the 15 day window, the coverage is secondary, meaning your other health insurance pays first. Your policy documents will give you the specifics on how medical coverage is handled in your state.

The Travel Insurance Experts