Plan has been discontinued from April 30, 2018
Refer to this new and improved plan: Liaison Travel Elite Insurance
- Plan pays 75% up to policy maximum
- 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
- Cannot accept an address in Colorado (CO), Maryland (MD), New York (NY), South Dakota (SD) & Washington (WA).
- Free Rx Discount Card
- Up to $25,000 coverage for acute onset of pre-existing conditions
- Not available to Residents of: Islamic Republic of Iran, Syrian Arab Republic, U.S. Virgin Islands, Gambia, Ghana, Nigeria, and Sierra Leone, Switzerland & Australia and Canada
Liaison Continent Insurance - Plan B is a travel medical insurance plan that provides health coverage and medical emergency services to individuals and families traveling outside their home country. After the deductible is satisfied, the plan pays 75% of the covered eligible expenses for each sickness or injury.
Please review Liaison Continent Insurance Plan B Brochure or Description on Ceverage (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
Here is a complete list of benefits of Liaison Continent - B
Buy from Pharmacy and file claim
- US States Restrictions Restricts Maryland (MD) and Washington (WA) for a correspondence address. This restriction is only for purchase. The plan still provides coverage for a policy holder visiting MD and WA.
- 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.
- The country where the covered person has his/her true, fixed, permanent home and principal establishment.
- Coverage in U.S.A. Covered
- Coverage outside U.S.A. Covered
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.
|Plan Administrator Company||Seven Corners|
|Carrier / Underwriter||Lloyd's of London and Tramont Insurance Company|
|Eligibility||Liaison Continent B provides coverage for individuals while traveling outside of their home country. For persons traveling to the U.S., the policy must become effective within 90 days of arrival in the U.S.|
|Plan Type|| Comprehensive Coverage Plan
Percentage based coverage.
|AM Best Rating||A (Excellent)|
|Coverage in U.S.A.||Covered|
|Coverage outside U.S.A.||Covered|
|How the Benefits are Paid||After the deductible, plan pays 75% of eligible expenses up to the policy maximum|
|Coverage Type||Lifetime of the policy|
|Deductible Type||Once Annually or 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)|
|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; $1,000,000
Ages 70 and over: Limited to $50,000
Ages 80 and over: Limited to $15,000
|Provider Directory||By Provider, Phone Nos. : 800-335-0477 or 317-575-2656|
|Plan Brochure||Liaison Continent Insurance Brochure|
|Home Country Definition||The country where the covered person has his/her true, fixed, permanent home and principal establishment.|
|US States Restrictions||Restricts Maryland (MD) and Washington (WA) for a correspondence address. This restriction is only for purchase. The plan still provides coverage for a policy holder visiting MD and WA.|
|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 Insurance FAQs
Q1. Am I eligible for the Liaison Continent Plan?
The Liaison Continent Plan B plan is available for:
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 69 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 A and Plan B?
The only difference between Liaison Continent Plan Aand Plan B is the percentage the plans cover for covered expenses. After the deductible is met, the Liaison Continent Plan A covers 80% for the first $5,000 of the covered bill, and then 100% after that up to the policy maximum. The Liaison Continent Plan B on the the other hand covers 75% of the bill for covered services through out the policy period.
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. If you would like, you can choose to go in the PPO network for Liaison, which is the United Health Care PPO Network.
You can search for doctors or hospitals in this Provider Directory.
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:
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.
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
You can continue to renew your existing Liaison Continent Policy up to 187 days from the start date of the policy.
If your Liaison Continent Policy has expired, you can no longer purchase the Liaison Continent Policy. This policy has been discontinued effective April 30, 2018. You can consider a similar plan - Liaison Travel Choice instead.
Important renewal information about your Liaison Continent Insurance:
- Liaison Continent policy has the option for online extension of minimum 5 days to 6 months.
- There is a $5 renewal fee every time you renew the policy.
- It is recommended to renew your policy a day before the policy expiration date.
- Once the policy expired you no longer have the option for renewal. In such cases you may apply for a new policy.
- Premium may increase at renewal:
- Based on applicants age at the time of renewals.
- Rates are subject to change at underwriters discretion.
- Benefits may change based on the applicants age at the time of renewal.
Have the following information handy:
- Current I.D./Certificate number (Make sure you enter the certificate number as it is including the dash).
- Primary Insured's Birthdate.
(Date of birth should be entered as mm/dd/yyyy)
- Credit Card Information.
The Liaison Continent travel medical insurance policy is cancellable.
If cancelled before the effective date:
- You can get a full refund if the cancellation is done before the coverage becomes effective.
If cancelled after the effective date:
- A prorated refund is possible only if no claim has been filed. For instance, if you buy the policy for 3 months from January 1 to March 31 and file a request for cancellation on January 16, then the period of January 17 to March 31 would be considered for a refund.
- A $25 cancellation fee is applicable for any policy cancelled after the effective date.
- The refund amount, if any, will be refunded the same way it was paid. If you made the payment using a credit card, the refund will go back to the same credit card.
How to Cancel
You can cancel your visitors insurance policy with the following steps:
- Step 1. Sign in to the Customer Portal using the policy number and the primary insured's date of birth
- Step 2. Find the plan you want to cancel and click cancel. Fill out the required fields and complete cancellation
- Step 3. Allow 7-10 business days for processing and refund