Yes, for sure, that is a very real consideration, secondary versus primary coverage. We always try to make it primary coverage, especially for medical evac. As far as fraudulent, I guess I never thought about that, but like I said, if I'm using frequent flyer miles, the actual cost to me if everything craps out is the cost to re-deposit miles, so I don't see how that could be fraudulent? Airfare in general should not be a major part of trip cost to the Caribbean, anyway..
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