catherine96821:Primary VS secondary insurance...what are the issues?
Primary Insurance means that they are 1st to pay minus your co-pays and deductibles. They are a 1st line of payment.
Secondary Insurance means that they will make payment on the remaining portion of what the primary insurer didn't pay (the co-pay and deductible) or wouldn't pay ( like your work health coverage that has language in the policy stating it will not pay for XYZ treatment and you need XYZ treatment or will not pay for services in XYZ country and you are in XYZ country)
DAN is secondary coverage. I know DiveAssure is Primary, backed by AIG which is a very large Insurance company. Vicencia & Bucklyey (PADI) is also secondary.
There are alot of reasons that primary insurance is better than secondary insurance. I currently have DAN, but when it comes time to renew I am going with Diveassure. I don't know of any, besides Diveassure, that is primary. Does anyone else know of a primary dive insurance company besides diveassure?