What characteristic defines primary coverage in travel insurance?

Primary coverage in travel insurance is defined by its function to pay first before any other insurance coverage that the traveler might have. This characteristic is crucial because it ensures that when a claim is made, the primary insurance will provide benefits without requiring another policy to pay first. This is particularly beneficial in scenarios where multiple insurance policies may be applicable, as it simplifies the claims process for the insured by eliminating potential delays associated with coordinating benefits from multiple sources.

In contrast, some options involve provisions that are characteristic of secondary insurance or might imply shared responsibility with other coverages, which do not apply to primary coverage. For instance, paying only a portion of the amount covered or expecting other insurances to first settle a claim is more aligned with secondary coverage's structure rather than the principles defining primary coverage. Hence, the clarity and upfront nature of primary coverage in ensuring immediate assistance in claims make this characteristic fundamental.