LIO

Liaison International

Comprehensive Coverage
AM Best Rating
A+ (Superior)
Administrator/Underwriter
Seven Corners
Advent and Tramont Insurance Company Limited
icon-medical-suitcase
Acute onset of Pre-Existing Conditions
icon-medical-suitcase
Medical Coverage During Travel
icon-medical-suitcase
Renewable & Cancelable
icon-calendar-check
Comprehensive Coverage Plan
icon-medical-suitcase
Coverage from 5 days to 45 days
icon-doctor-laptop
Urgent Care
  • Cannot accept an address in Colorado (CO), Maryland (MD), New York (NY), South Dakota (SD) & Washington (WA).

Liaison International Insurance is a travel insurance plan that provides medical health coverage and emergency services to individuals and families traveling outside their home country. After the deductible is satisfied, the plan pays 80% for the first $5,000 and 100% thereafter towards eligible covered expenses for each sickness or injury.

Please review Liaison International Insurance Brochure brochure or Description of Coverage brochure (policy document) for complete and accurate coverage and exclusions.

Out-Patient

Dr. / Physician Visit

80% for the first $5,000
100% covered thereafter.

Surgical Treatment

80% for the first $5,000
100% covered thereafter.

Prescription Drugs / Medicines

80% for the first $5,000
100% covered thereafter.

Lab & X-rays

80% for the first $5,000
100% covered thereafter.

Physical Therapy

80% for the first $5,000
100% covered thereafter.

In-Patient

Hospital Room

80% for the first $5,000
100% covered thereafter.

Surgical Treatment

80% for the first $5,000
100% covered thereafter.

Hospital Intensive Care Unit

80% for the first $5,000
100% covered thereafter.

Emergency Services

Ambulance Expenses

$5000

Emergency Room(ER)

80% for the first $5,000
100% 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 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

80% for the first $5,000
100% covered thereafter.

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

Advent and Tramont Insurance Company Limited

Eligibility

Can be purchased by non-United States citizens or any visa holder (e.g. L/H/B1, B2, etc.) traveling outside of their home country on a legal status.

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

20% for the first $5,000 of accumulated expenses only. 100% covered there after up to the policy maximum.

How the Benefits are Paid

After the deductible, plan pays 80% for the first $5,000 of accumulated expenses; then plan pays 100% to the selected policy maximum.

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 45 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 Max 45 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 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 brochure

Home Country Definition

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

US States Restrictions

Restricts Washington(WA) completely.

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 International Insurance FAQs

Q1. Am I eligible for the Liaison International Plan?

The Liaison International Plan is available for,

  • Non US citizen or resident, traveling to the USA or any other country outside their home country for a short trip.
  • For US citizens and residents, it is available for travel outside the USA.
  • It is also available for US citizens, who live abroad, and are coming to the USA for a short trip, and not planning to stay in the USA permanently.
  • The Plan is not available for US Green card holders, for travel to the USA.
  • The plan is available for a minimum of 5 days and a maximum of 45 days.

    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 45 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 International 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 International Plan?

    Pre-existing conditions are not covered by Liaison International Plan. However the Liaison International Plan covers up to a maximum of $15,000 for an acute onset of pre-existing conditions for people less than 70 years of age. 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 and Liaison International?

    There are very few differences between Liaison Continent and the Liaison International Plan.

  • 1) The Liaison International is available for 45 days and the Liaison Continent is available for 187 days.
  • 2) For the acute onset of pre-existing conditions, the Liaison International Plan covers up to $15,000 for people below 70 years of age. The Liaison Continent on the other hand pays up to $20,000 for people up to 64 years of age, and up to $2,000 for people between 65 to 69 years of age.
  • Neither plan has any coverage for pre-existing conditions for people 70 and over.

    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 International 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 Sports 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:
    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.