Editing Subrogation (section)

===Travel insurance subrogation process===
In an "[[excess insurance|excess]]" or "[[supplemental insurance|supplemental]]" travel insurance policy where there is a 'first payer' clause, through the subrogation process an insurer is legally entitled to seek cost-sharing up to a certain percentage from a member's private group [[health insurance]] provider after the insurer pays out a travel insurance claim.<ref name="CBC_2016_Mar_23" /> These plans are less expensive but if there is a major claim made, Insurance carriers, such as [[Royal Bank of Canada#RBC Insurance|RBC insurance]],<ref name="rbcinsurance">{{cite web | url=https://www.insurancehotline.com/rbcinsurance/ | title=RBC Insurance History | date=2016 | access-date=23 March 2016}}</ref> can offer <ref name="rbcinsurance" />

{{quote|Any of our policies are excess insurance and are the last payers. All other sources of recovery, indemnity payments or insurance coverage must be exhausted before any payments will be made under any of our policies.|RBC Insurance Saltzman CBC 2016}}

While these supplemental travel insurance policies may be less expensive in the short run, they can have devastating consequences if a serious and costly health crisis occurs while travelling.<ref name="CBC_2016_Mar_23" /> That means that if a client makes a claim, the insurer will recover that amount from the member's private group health insurance provider such as $100,000 of the $200,000 total. That can become problematic if the member later has a serious illness because many private group health insurance providers have a lifetime maximum coverage amount, such as $500,000, for its extended health plans. If the member purchases travel insurance from their own extended health-care provider, a claim would not have affected the lifetime maximum.<ref name="CBC_2016_Mar_23">{{cite web | url=http://www.cbc.ca/news/business/buy-travel-health-insurance-end-up-with-less-coverage-a-couple-s-hard-lesson-1.3495864 | title=Buy travel health insurance, end up with less coverage: A couple's hard lesson If you buy travel insurance, be aware of the 'first payer' clause | publisher=CBC | date=20 March 2016 | access-date=23 March 2016 |author= Saltzman, Aaron}}</ref>