two distinct situations. First, after paying out under a policy of indemnity insurance, an insurer may be entitled to stand in the shoes of the insured and enforce the insured's rights against the third party tortfeasor who is responsible for the loss. This is subrogation in its proper or core sense. Insurance subrogation, and, specifically, the types and amounts of payments that can be recovered, differs from jurisdiction to jurisdiction. Secondly, after paying out under a policy of indemnity insurance, an insurer may be entitled to sue the insured where the insured has already had his loss made good by the third party tortfeasor. That is, the insurer has a claim against the insured so as to ensure that the insured does not get double recovery. This situation might arise if, for example, an insured claimed in full under the policy, but then started proceedings against the third party tortfeasor, and recovered substantial damages. Strictly speaking, this is not a case of subrogation; it is a case of recoupment. Travel insurance subrogation process In an "excess" or "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. These plans are less expensive but if there is a major claim made, Insurance carriers, such as RBC insurance, can offer 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. This means that if a client makes a claim, the insurer will recover that amount from the member's private group health insurance provider—for example $100,000 of the $200,000 total. This can become problematic if the member later has a serious illness because many private group health insurance providers have a lifetime maximum coverage amount-$500,000 for example-for its extended health plans. If the member purchases travel insurance from their own extended health-care provider, a claim would not have affected their lifetime maximum. Surety's subrogation rights A surety who pays off the debts of another party may be entitled to be subrogated to the creditor's former claims and remedies against the debtor to recover the sum paid. This would include the endorser on a bill of exchange. The surety will