This plan name was changed from Liaison Travel Economy to Liaison Travel Basic on 5/1/2020 Click Here.
LTB

Liaison Travel Basic

Comprehensive Coverage,  Rated A (Excellent)By: Seven Corners,  UW: Lloyd's and TramontLloyd's of London and Tramont Insurance Company
AM Best Rating
A (Excellent)
Administrator/Underwriter
Seven Corners
Lloyd's of London and Tramont Insurance Company
80%
In Network

After deductible, the plan pays 80% up to the policy maximum.

70%
Out of Network

Plan pays 70% of the first $5,000, then 100% up to the policy maximum.

COVID-19 Excluded
acute-onset-pre-existing-condition
Acute onset of Pre-Existing Conditions
extendable-cancelable
Extendable & Cancelable
urgent-care
Urgent Care
medical-coverage-during-travel
Medical Coverage During Travel
extendable-cancelable
Comprehensive Coverage Plan
Coverage from 5 days to 364 days
BUY

Liaison Travel Basic Insurance is a visitor insurance plan that provides medical insurance coverage and emergency services to individuals and families traveling outside their home country. After the deductible is satisfied, in the USA, within the PPO Network, the plan pays 80% for the first $5,000 and 100% thereafter towards eligible covered expenses for each sickness or injury. Outside the PPO Network plan pays 70% for the first $5,000 and then 100% up to policy maximum.

Please review Liaison Travel Basic Insurance Brochure brochure or Description on Coverage policy doc for complete and accurate coverage information.

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

Dr. / Physician Visit
URC (Usual Reasonable and Customary) up to the medical maximum.
Urgent Care
URC (Usual Reasonable and Customary) up to the medical maximum. Co-pay:$30
Surgical Treatment

Within USA: In Network: After the deductible is met plan pays 80% covered for first $5,000, then 100% covered up to the policy maximum.
Out of Network After the deductible is met, plan pays 70% for the first $5,000 and then 100% up to the policy maximum
Outside USA : After the deductible is met, plan pays 100% up to the policy maximum.

Prescription Drugs / Medicines
URC (Usual Reasonable and Customary) up to the medical maximum.
Lab & X-rays
URC (Usual Reasonable and Customary) up to the medical maximum.
Physical Therapy
N/A
Hospital Room
URC (Usual Reasonable and Customary) up to the medical maximum.
Surgical Treatment
URC (Usual Reasonable and Customary) up to the medical maximum.
Hospital Intensive Care Unit
URC (Usual Reasonable and Customary) up to the medical maximum.
Ambulance Expenses
Up to $5,000
Emergency Room(ER)
URC (Usual Reasonable and Customary) up to the medical maximum. Co-pay: $100
Acute, spontaneous and unexpected pain
Up to $100
Accidental emergency
Up to $250
Emergency Medical Evacuation / Repatriation
Up to $250,000
Return of Remains
Up to $25,000
Emergency Reunion
Up to $25,000 ($200 per day/10 day limit)
Return of minor Child(ren)
Up to $25,000
Trip Interruption
Up to $2,500
Loss of checked Baggage
Up to $250 ($50 per article maximum)
AD&D
$10,000 primary insured & travel companion;
$2,500 per child
Total per family limit of up to $250,000
Common Carrier Accidental Death
$20,000 primary insured & travel companion
$5,000 child
Total limit per family limit: $250,000
Acute Onset
Acute onset of pre-existing Medical condition for non- US citizens age 64 and under is covered up to a life time maximum of $5,000, For age 65 to 79: up to $2,500. $25,000 Maximum per person per Period of Coverage for Emergency Medical Evacuation applies.
Maternity
Not Covered
General Physical full Checkup
Not Covered
Terrorism Coverage
Up to $25,000
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

AM Best Rating

A (Excellent)

Eligibility

Liaison Travel Basic provides coverage for individuals while traveling outside of their home country. For US citizens, USA is always the home country.

Plan Type

Comprehensive Coverage Plan
Percentage based coverage.

Coverage in U.S.A.

Covered

Coverage outside U.S.A.

Covered

Co-Pay

Urgent Care Co-pay: $30 Emergency Room Co-pay: $100

Co-Insurance

Within USA:
In Network- 20% for the first $5,000 of accumulated expenses only. 100% covered there after up to the policy maximum. Out of Network: 70% for the first $5,000 and 100% after that.
Outside USA: No Co-nsurance. Plan pays 100% up to policy maximum, after deductible is met.

How the Benefits are Paid

After the deductible, >in the USA, within PPO network: plan pays 80% for the first $5,000 of accumulated expenses; then plan pays 100% to the selected policy maximum. Outside PPO Network plan pays 70% for the first $5,000 and then 100% after that up to policy maximum.
Outside the USA, plan pays 100% up to policy maximum, after deductible is met

Coverage Type

Lifetime of the policy

Deductible Type

Once Annually or Per Policy Period.

Renewability

Extendable with a $5 fee each time you extend up to a maximum period of 364 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 364 days

Available Deductibles

For ages up to 64yrs old Choose From: $0, $100, $250, $500, $1000, $2500, $5,000
For ages 65yrs to 74yrs Choose From: $250, $500, $1,000, $2.500, $5,000
For ages 80+ Choose From: $0, $500, $1,000, $2,500, $5,000

Available Coverage

For ages up to 64yrs old and traveling to the United States Choose From: $50,000; $100,000; $500,000; $1,000,000
Ages 65 to 69 old and traveling to the United States: $50,000, $100,000
Ages 70 to 74 and traveling to the United States:$50,000
Ages 80+ traveling to the United States: $10,000

For ages up to 64yrs old traveling worldwide excluding the United States choose from: $50,000, $100,000, $500,000, $1MIL, $2MIL, $5MIL
For ages 65 to 74 and traveling worldwide excluding the United States choose from: $50,000 or $100,000
Ages 80+ traveling worldwide excluding the United States: 10,000

Provider Directory

By Provider, Phone Nos. : 800-335-0477 or 317-575-2656

Plan Brochure

Liaison Travel Basic Insurance Brochure brochure

Home Country Definition

The country where the covered person has his/her true, fixed, permanent home and principal establishment. For US citizens, USA is always the Home Country

US States Restrictions

Cannot accept an address in: Maryland (MD), Washington (WA), New York (NY), South Dakota (SD) and Colorado (CO)

Country Restrictions

Not available to residents of: Australia, Switzerland, Islamic Republic of Iran, Syrian Arab Republic, United States Virgin Islands, Gambia, Ghana, Nigeria and Sierra Leone.
Cannot cover trips to: Antarctica, Cuba, Islamic Republic of Iran and Syrian Arab Republic.

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.