Liaison International Insurance

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Visitor and Travel insurance

"Most popular insurance site for parents visiting USA"

Liaison International Option 2 Insurance

Plan pays 100% of first $2,500; then 80%

Comprehensive coverage plan

Coverage from 5 days to 187 days

Renewable and Cancelable

PPO network (See list of doctors and hospitals)

Covers during international travel

$15,000 coverage for acute onset of pre-existing conditions

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Liaison International Insurance Option-2 FAQs

Q1: Which doctor or hospital can I go to?

The PPO provider for Liaison International Insurance is Choice Care Network. These PPO Networks are independent organizations and is recognized by all major hospitals, doctors, and health facilities. Out-of-Network expenses are also covered but we recommend going to a doctor or hospital listed under this PPO network for negotiated prices.

You can search for doctor or hospital in this Provider Directory.

Q2: When will I receive my ID card?

The print out of the on-line buying receipt/virtual ID card is the proof of insurance and can be used as an ID card. Additionally, you will be emailed the ID card that you can print and take to the doc/hospital. Also, when filling out the online application, you have the choice of getting supplemental information and ID card in the mail. If you would like to receive the ID card and plan details by mail then make sure to choose "yes" for mailed ID card. You should receive your insurance package at your mailing address within 5-10 business days of purchase.

Q3. Does this plan provide coverage while traveling to and fro from the home country to US?

Yes. Liaison Continent Insurance provides coverage while you are traveling from the home country to US and from US back to home country. This coverage will be valid only if the travel dates fall during the plan-effective dates. In order to obtain coverage during travel make sure to select the start date of the policy the day the insured leaves the home country (U.S. Eastern Time). Similarly, coincide the end date of the policy with the day the insured returns to the home country (U.S. Eastern Time).

Q4: How do I use this insurance?

Please refer to the following article about the policy usage: How to use Visitor Insurance?

Q5: How do I file a claim?

Please refer to the following article concerning the claim process:
Visitor Insurance Claim Process

Q6: What information do I need to purchase this plan?

Name(s), date of birth, and passport number of the visitor(s).

Q7: When I buy this plan, do I need to make the full payment at once or do I have the option of paying it on a monthly basis?

Based on the desired coverage length you have selected, you have to make the full payment at once.

Since this plan is renewable you can renew it anytime you would like to before the policy expires. There is a renewable fee of $5 that's associated with the renewal.

Q8: I want to purchase insurance for more then one visitor. Should I purchase two separate policies for them or have a combined policy?

The benefits and cost does not differ if you buy individually or combined policies. If the visitors have different travel plans (might be coming together but leaving on different dates, etc.) it is recommended to buy separate policies.

Having separate policies gives your more flexibility in renewals and cancellations.

Q9. Has there been any changes made to Liaison International Insurance?

Yes. As of December 31, 2008 the following changes have been made to Liaison International.

Cheaper rates for all age groups
Two options for coverage.
- Option 1: 80% for the first $5,000 and then 100% coverage up to the policy maximum
- Option 2: 100% for the first $2,500 and then covers 80% up to the policy maximum
Maximum Duration for purchase and renewal of a policy is 6 months instead of 3 years

Q10. What's the difference between Liaison International and Liaison Continent?

The main difference is the coverage amount and the price, otherwise the plans are quite similar. In terms of coverage, in both plans you have two options. Liaison International Option 1 covers 80% for the first $5,000 and then 100% coverage up to the policy maximum .Option 2 covers 100% for the first $2,500 and then covers 80% up to the policy maximum. Liaison International covers 100% outside the United States.

Liaison Continent A covers 80% for the first $5,000 and then 100% coverage up to the policy maximum. Liaison Continent B covers 75% up to the policy maximum. For coverage outside United States, the Liaison Continent E plan covers 100% up to the policy maximum and the Liaison Continent F covers 80% up to the policy maximum.

Q11: I am a United States citizen or permanent resident, but live in another country. Can I purchase this insurance during my visit to the US?

No, US citizens are not eligible for this plan.
There is another plan called "Liaison Worldwide Insurance" you should consider buying that plan which covers US Citizens living abroad but making a short trip to USA.
Checkout the details about Liaison Worldwide Insurance.

Q12: Where can I find answers to other questions I have?

Please refer to Visitors Insurance FAQs section.
Learn more from informative articles at Visitor Insurance Information section. If you still have questions, please call our support line toll free: 1.866.384.9104

Out-Patient
Dr. / Physician Visit	100% for the first $2,500 80% covered thereafter
Surgical Treatment	100% for the first $2,500 80% covered thereafter.
Prescription Drugs / Medicines	100% for the first $2,500 80% covered thereafter.
Lab & X-rays	100% for the first $2,500 80% covered thereafter.
Physical Therapy	100% for the first $2,500 80% covered thereafter.
In-Patient
Hospital Room	100% for the first $2,500 80% covered thereafter.
Surgical Treatment	100% for the first $2,500 80% covered thereafter.
Hospital Intensive Care Unit	100% for the first $2,500 80% covered thereafter.
Emergency Services
Ambulance Expenses	$5000
Emergency Room(ER)	100% covered for first $2,500 80% covered thereafter
Dental
Acute, spontaneous and unexpected pain	$100 (For U.S. Citizens Only)
Accidental emergency	$500 (With 1 month or more coverage)
Travel
Emergency Medical Evacuation / Repatriation	$300,000
Return of mortal Remains	$50,000
Emergency Reunion	$50,000
Return of minor Child(ren)	$50,000
Trip Interruption	$5000
Loss of checked Baggage	$250
Life
AD&D	$25,000
Common Carrier Accidental Death	$50,000
Other
Pre-Existing Conditions	If you are under age 70, you are covered for an acute onset of a pre-existing condition. Coverage is available up to $15,000 Maximum for Eligible Medical Expenses and up to $25,000 for Emergency Medical Evacuation. An acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence of a pre-existing condition that occurs spontaneously and without advance warning in the form of physician recommendations or symptoms, is rapidly progressive, and requires urgent care. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence.
Maternity	Not Covered
General Physical full Checkup	Not Covered
Terrorism Coverage	100% for the first $2,500 80% covered thereafter.
Brochure	Liaison International Insurance Brochure
Support
24-Hrs Emergency Assistance	Yes. Contact Number and details can be found on the ID card.


Plan Administrator Company	Seven Corners
Carrier / Underwriter	Lloyd's, United States Fire Insurance Company
Eligibility	Can be purchased by any one travelling outside the home country. Non-United States citizens or any visa holders (e.g. L/H/B1,B2)as well as person on Green Card or United States citizen living outside the US can also purchase the plan for temporary coverage in US.
Plan Type	Comprehensive Coverage Plan Percentage based coverage.
AM Best Rating	A+ (Superior)
Coverage in U.S.A.	Covered
Coverage outside U.S.A.	Covered
Co-Pay	No Co-pay
Co-Insurance	0% for first $2,500 of eligible expenses, 20% thereafter up to policy maximum. Plan Pays 80%
How the Benefits are Paid	After the deductible, the plan pays 100% for the eligible expenses up to $ 2,500. Thereafter the plan pays 80% of the eligible accumulated expenses
Coverage Type	Lifetime of the policy
Deductible Type	Per Policy Period
Renewability	Renewable with $5 fee each time you renew up to a maximum period of 187 days.
Cancellation	Full refund available if cancelled before start date. Pro-rated refund available after start date if no claims have been made( $25 Cancellation Fee Applicable)
PPO Network	Choice Care Network
Coverage Length	Min 5 Days to Max 6 Months
Available Deductibles	Choose From: $0, $100, $250, $500, $1000, $2500
Available Coverage	Choose From: $50,000; $100,000; $500,000; $1,000,000 Ages 65+: Limited to $50,000 Ages 80+: Limited to $15,000
Provider Directory	By Provider, Phone Nos. : 800-335-0477 or 317-575-2656
Plan Brochure	Liaison International Insurance Brochure
US States Restriction	Restricts Washington(WA) completely.
Home Country Definition	The country where the covered person has his/her true, fixed, permanent home and principal establishment.
Country Restriction	Not available to the residents of Cuba, Iran, Syria. Residents of Gambia, Ghana, Nigeria, Sierra leone needs to have a US billing address.


	Disclaimer Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.

Liaison International Insurance Option-2 FAQs

Out-Patient

In-Patient

Emergency Services

Dental

Travel

Life

Other

Support