LCH

Liaison Travel Choice

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
90%
In Network

After deductible, the plan pays 90% up to the policy maximum.

80%
Out of Network

Plan pays 80% 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 Choice 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, Within the PPO Network, the plan pays 90% for the first $5,000 and 100% thereafter towards eligible covered expenses up to the policy maximum. Outside the PPO Network, the plan pays 80% for the first $5,000 and then 100% up to the policy maximum

Outside the USA, the plan pays 100% up to the policy maximum. Please review Liaison Travel Choice Insurance Brochure brochure or Description on Coveragebrochure (policy document) for complete and accurate coverage information.

Out-Patient

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:$20

Surgical Treatment

URC (Usual Reasonable and Customary) up to the medical 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

In-Patient

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.

Emergency Services

Ambulance Expenses

Up to $10,000

Emergency Room(ER)

URC (Usual Reasonable and Customary) up to the medical maximum. Co-pay: $100

Dental

Acute, spontaneous and unexpected pain

Up to $200

Accidental emergency

Up to $500

Travel

Emergency Medical Evacuation / Repatriation

Up to $500,000

Return of Remains

Up to $50,000

Emergency Reunion

Up to $50,000

Return of minor Child(ren)

Up to $50,000

Trip Interruption

Up to $5,000

Loss of checked Baggage

Up to $500 ($50 per article maximum)

Life

AD&D

$10,000 primary insured & travel companion
$2,500 child
Total limit of $250,000 for total number of insureds on plan

Common Carrier Accidental Death

$25,000 for primary insured & travel companion;
$5,000 child
Total Family limit of $250,000

Other

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 $10,000; For age 65 to 79, up to $5,000. $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 $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

AM Best Rating

A (Excellent)

Eligibility

Liaison Travel Choice 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: $20 Emergency Room Co-Pay: $100

Co-Insurance

Within USA:
In Network- 10% for the first $5,000 of accumulated expenses only. 100% covered there after up to the policy maximum. Out of Network: 20% for the first $5,000 and 100% covered by the plan 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, the plan pays 90% for the first $5,000 and then 100% up to the policy maximum
Outside PPO Network: the plan pays 80% for the first $5,000 of accumulated expenses; then plan pays 100% to the selected policy maximum.
Outside the USA: After the deductible is met, the plan pays 100% up to the policy maximum.

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