LCH

Liaison Travel Choice

Underwriter: Lloyd's of London and Tramont Insurance Company
Policy info
Plan Administrator: Seven Corners
Carrier: Lloyd's of London and Tramont Insurance Company
AM Best Rating: A(Excellent)

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.

Here is a complete list of benefits of Liaison Travel Choice
Dr. / Physician Visit

Within USA: In Network: After the deductible is met plan pays 90% covered for first $5000,then 100% covered up to the policy maximum.
Out of Network After the deductible is met, plan pays 80% 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.

Surgical Treatment

Within USA: In Network: After the deductible is met plan pays 90% covered for first $5,000, then 100% covered up to the policy maximum.
Out of Network After the deductible is met, plan pays 80% 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
After the deductible is met, plan pays 80% for the first $5,000 and then 100% up to the policy maximum
Lab & X-rays

Within USA: In Network: After the deductible is met plan pays 90% covered for first $5,000, then 100% covered up to the policy maximum.
Out of Network After the deductible is met, plan pays 80% 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.

Physical Therapy

Within USA: In Network: After the deductible is met plan pays 90% covered for first $5,000, then 100% covered up to the policy maximum.
Out of Network After the deductible is met, plan pays 80% 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.

Hospital Room

Within USA: In Network: After the deductible is met plan pays 90% covered for first $5,000, then 100% covered up to the policy maximum.
Out of Network After the deductible is met, plan pays 80% 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.

Surgical Treatment

Within USA: In Network: After the deductible is met plan pays 90% covered for first $5,000, then 100% covered up to the policy maximum.
Out of Network After the deductible is met, plan pays 80% 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.

Hospital Intensive Care Unit

Within USA: In Network: After the deductible is met plan pays 90% covered for first $5,000, then 100% covered up to the policy maximum.
Out of Network After the deductible is met, plan pays 80% 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.

Ambulance Expenses
Up to $10,000
Emergency Room(ER)

Within USA: In Network: After the deductible is met plan pays 90% covered for first $5,000, then 100% covered up to the policy maximum.
Out of Network After the deductible is met, plan pays 80% 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.

Acute, spontaneous and unexpected pain
Up to $200
Accidental emergency
Up to $5,000
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 occurrence maximum)
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
Pre-Existing Conditions
Acute onset of pre-existing Medical condition for non- US citizens age 69 and under is covered up to a life time maximum of $30,000; For age 70 and over, 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
24-Hrs Emergency Assistance
Yes. Contact Number and details can be found on the ID card.
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.
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