LC-E

Liaison Continent - E

Comprehensive Coverage
AM Best Rating
A (Excellent)
Administrator/Underwriter
Seven Corners
Lloyd's of London and Tramont Insurance Company
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Acute onset of Pre-Existing Conditions
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Medical Coverage During Travel
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Renewable & Cancelable
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Comprehensive Coverage Plan
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Coverage from 5 days to 187 days
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Urgent Care
  • Cannot accept an address in Colorado (CO), Maryland (MD), New York (NY), South Dakota (SD) & Washington (WA).

Liaison Continent-E insurance is a visitor insurance plan that provides medical insurance coverage and emergency services to individuals and families traveling outside the US. After the deductible is satisfied, the plan pays 100% towards eligible covered expenses up to the policy maximum.

Please review Liaison Continent E Plan Brochure brochure or Description on Ceveragebrochure (policy document) for complete and accurate coverage information.


Liaison Continent Insurance plan requires pre-certification for certain services and treatments. Read more on Pre-Certification Requirements for Liaison Continent Insurance

Out-Patient

Dr. / Physician Visit

100% Covered

Surgical Treatment

100% Covered

Prescription Drugs / Medicines

100% Covered

Lab & X-rays

100% Covered

Physical Therapy

Not Covered

In-Patient

Hospital Room

100% Covered

Surgical Treatment

100% Covered

Hospital Intensive Care Unit

100% Covered

Emergency Services

Ambulance Expenses

Up to $5000.

Emergency Room(ER)

100% Covered

Dental

Acute, spontaneous and unexpected pain

$100 (1 month or more coverage)

Accidental emergency

$500 (1 month or more coverage)

Travel

Emergency Medical Evacuation / Repatriation

$1000,000

Return of Remains

$20,000

Emergency Reunion

$10,000

Return of minor Child(ren)

$5,000

Trip Interruption

$5,000

Loss of checked Baggage

$250

Life

AD&D

Up to $50,000
(Dependents: $5,000)

Common Carrier Accidental Death

Up to $100,000
(Dependents $25,000 each;$250,000 Max for Family)

Other

Pre-Existing Conditions

For US Citizens
Up to $25,000 for Urgent Care
($5,000 for ages 65 and over)

Maternity

Not Covered

General Physical full Checkup

Not Covered

Terrorism Coverage

Up to $50,000

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 of London and Tramont 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. The Plan must become effective within 3 months of arrival in the United States

Plan Type

Comprehensive Coverage Plan

AM Best Rating

A (Excellent)

Coverage in U.S.A.

Covered

Coverage outside U.S.A.

Covered

Co-Pay

No Co-pay

Co-Insurance

No Co-Insurance; 100% Covered

How the Benefits are Paid

After you pay the deductible, the program pays 100% to the selected medical maximum.

Coverage Type

Lifetime of the policy

Deductible Type

Annual deductible, Only one time in a year.

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

UnitedHealthCare

Coverage Length

Min 5 Days to 6 Months
In order to repurchase a new policy, you must return to your Home Country for a minimum of 30 days.

Available Deductibles

Choose From: $0, $100, $250, $500, $1000, $2500

Available Coverage

Choose From: $50,000;$100,000; $500,000; $1,000,00
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 Continent Insurance Brochure brochure

Home Country Definition

The country where the covered person has his/her true, fixed, permanent home and principal establishment.

US States Restrictions

Non US resident travelling to the US: Restricts Maryland(MD), Kentucky(KY) and Washington(WA) for a correspondence address
Non US resident traveling outside of the US: Restricts British Virgin Islands for a residence address.
US resident traveling outside of the US: Restricts Maryland(MD) and Washington(WA) for a residence address.

Country Restrictions

Not available to the residents of Cuba, Iran, Syria. Residents of Gambia, Ghana, Nigeria, Sierra leone needs to have a US billing address.

Liaison Continent Plan E Insurance FAQs

Q1. Am I eligible for the Liaison Continent Plan E?

The Liaison Continent Plan E is available for any US or non-US citizen or resident, traveling outside the USA, and their home country and/or country of citizenship, for a short period of time. The Liaison Continent Plan E does not provide coverage in the USA.

Q2. What Information do I need to buy the Plan?

You would need the names, dates of birth, passport numbers of the visitors, and a valid credit card to buy the plan.

Q3. When will I receive my ID card?

You can print out your ID card from your confirmation e-mail and it will be used as proof of insurance.

Q4. Can I renew the plan, if I plan to stay longer?

Yes, if you buy the plan initially for more than 5 days, you can renew the policy. You would need to renew the plan at least two days before the policy expires. There would be an extra $5 renewal charge. The policy can be renewed for up to a maximum of 187 days.

Q5. Can I cancel the plan, if I plan to go back earlier?

Yes, you can cancel and get a refund for the Liaison Continent Plan, if you need to go back earlier than plan. The following rules apply: 1) You can get refund back, only if you do not need to visit the doctor/provider while the policy is in force. 2) You can get a pro-rated refund for the number of days left in the policy 3) $25 cancellation fee applies. 4) If there is any claim on file, you would not get any refund back. 5) Written request is required for any cancellation.

Q6. Are pre-existing conditions covered by the Liaison Continent Plan?

Pre-existing conditions are not covered by Liaison Continent Plan. However the Liaison Continent Plan covers for an acute onset of pre-existing conditions for people up to 69 years of age. For people up to age 64 the plan covers up to $25,000 for an acute onset of a pre-existing conditions. For people between age 64-69, the plan covers up to $2,000 for an acute onset of a pre-existing conditions. There is no coverage for acute onset of pre-existing conditions for people 70 years and over. It is up to the attending physician to determine if a particular medical situation is related to pre-existing condition or not, and also if it would be considered as an acute onset or not. Please check the Description of Coverage for more information about what is considered as acute onset of pre-existing condition.

Q7. What is an acute onset of pre-existing condition?

An acute onset is a sudden unexpected outbreak or recurrence of a Pre-existing Condition which occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms, is of short duration. It has to be an acute medical condition that requires immediate medical attention. More conditions and restrictions apply. Please check the Description of Coverage to understand what is covered under acute onset of pre-existing condition.

Q8. What is the difference between Liaison Continent Plan E and Plan F ?

The only difference between Liaison Continent Plan Eand Plan F is the percentage the plans cover for eligible expenses. After the deductible is met, the Liaison Continent Plan E covers 100% for eligible expenses, upto the policy maximum. The Liaison Continent Plan F on the the other hand covers 80% of the bill for covered services through out the policy period. It does not cover 100% at any point of the coverage.

Q9. What's the Rx Discount Card that comes with this plan?

This is a discount savings program available to every certificate holder of the Liaison plans. This program allows card members to purchase prescriptions at one of over 35,000 participating pharmacies in the U.S. and receive the lower of 1) Universal Rx contract price or 2) the pharmacy regular retail price.

This discount program is not insurance coverage. It is purely a discount program to purchasers of the Liaison Continent plans. Use of the discount card does not guarantee that prescribed medication is covered under the insurance benefit plan.

Q10. What is the Incidental Home Country Coverage?

During the policy period, if you need to go back to your home country for a short trip, and come back again, then the plan would cover for short trips. The maximum number of days covered in incidental trip home is 30 days. The trip must not be taken for medical purposes. Incidental home country coverage does not apply to final trip to home country.

Q11. What is Hazardous Sports Coverage?

Adventure Sports are usually not covered in travel medical policies. With additional premium you can purchase the optional Hazardous Spots Rider Coverage. This would cover for the following sports and activities: motorcycle /motor scooter riding (whether as a passenger or a driver), hang gliding, Parachuting, zip lining, parasailing, bungee jumping, water skiing, wakeboard riding, jet skiing, windsurfing, snowmobiling, and spelunking

Q12. Which doctor or hospital can I go to?

You can go to any doctor or hospital of your choice. Outside the USA, the plan does not have any preferred providers list.

If you would like, you can search for the providers search for doctors or hospitals here.

Q13. How do I use this insurance?

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

Q14. How do I file a claim?

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

Q15. 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 associated with the renewal.

Q16. 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

Note: Information provided here is general in nature and may change from time to time. Your best course of action would be to refer to your policy papers/guidelines and contact the Provider for up-to-date information

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.