¿Cuál es la diferencia entre cobertura primaria y cobertura secundaria en una póliza de seguro de viaje? ¿Qué se recomienda para viajeros a corto plazo?
10
El seguro de viaje primario paga por cualquier reclamo que realice de inmediato hasta el monto de la cobertura que tiene, mientras que el seguro de viaje secundario requiere que presente sus reclamos ante cualquier proveedor de seguro existente que tenga (seguro médico, por ejemplo) y una vez que esa cobertura se agote, su seguro de viaje secundario patadas en.
What's better depends on which specific plans you are comparing and how much savings it brings you. Some medical insurance plans (non-travel) may not cover you for costs incurred abroad. Additionally, if you buy secondary insurance and have to get in touch with another insurance provider, you need to consider the hassle of having to file claims with an insurance company that may not have a dedicated support team to handle claims coming in from travellers and process them quickly enough.
If you're going for short-term trips, at least in Europe/Asia you will find it less hassle to buy a per-trip travel insurance policies which are often quite cheap.