LEC

Liaison Travel Economy

Comprehensive Coverage
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 policy maximum.

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Acute onset of Pre-Existing Conditions
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Medical Coverage During Travel
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Renewable & Cancelable
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Comprehensive Coverage Plan
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Coverage from 5 days to 364 days
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Urgent Care
  • Cannot accept an address in Colorado (CO), Maryland (MD), New York (NY), South Dakota (SD) & Washington (WA).
BUY

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

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

Out-Patient

Dr. / Physician Visit

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.

Urgent Care

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.

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

After the deductible is met, plan pays 70% 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 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.

Physical Therapy

If prescribed by the physician,

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.

In-Patient

Hospital Room

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.

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.

Hospital Intensive Care Unit

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.

Emergency Services

Ambulance Expenses

Up to $5,000

Emergency Room(ER)

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

Dental

Acute, spontaneous and unexpected pain

Up to $100

Accidental emergency

Up to $500

Travel

Emergency Medical Evacuation / Repatriation

Up to $250,000

Return of Remains

Up to $25,000

Emergency Reunion

Up to $25,000 ($200 per day)

Return of minor Child(ren)

Up to $25,000

Trip Interruption

Up to $2,500

Loss of checked Baggage

Up to $250 ($50 per occurrence maximum)

Life

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

Other

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 $15,000, For age 70 and above: 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

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

Eligibility

Liaison Travel Economy 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.

AM Best Rating

A (Excellent)

Coverage in U.S.A.

Covered

Coverage outside U.S.A.

Covered

Co-Pay

No Co-pay

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

Renewable with $5 fee each time you renew 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

Choose From: $0, $100, $250, $500, $1000, $2500, $5,000

Available Coverage

Choose From: $50,000; $100,000; $500,000; $1,000,000; $2,000,000 & $5,000,000
Ages 80 and over: Limited to $15,000

Provider Directory

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

Plan Brochure

Liaison Travel Economy 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

Non US resident travelling to the US: Restricts Maryland(MD), Kentucky(KY) and Washington(WA) for a correspondence address
Non US resident traveling outside of the US: Restricts British Virgin Islands for a residence address.
US resident traveling outside of the US: Restricts Maryland(MD) and Washington(WA) for a residence address.

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 Economy Insurance FAQs

Q1. Am I eligible for the Liaison Economy Plan ?

The Liaison Economy is available for:

  • 1) any non-US citizen or resident, visiting the USA, and any other country, outside their home country for a short period of time.
  • It is available for US citizens traveling outside the USA, and any other country that they might be permanently living in
  • 2) It is also available for US Green card holders, who live abroad, but come back to the USA for short trips.
  • 3)The plan is available for a minimum of 5 days and a maximum of 364 days.
  • 4) It is not available for US citizens, US Green Card Holders or long term visa holders, who stay in the USA permanently, and pay taxes in the USA.
  • 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 364 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 Economy 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 Economy Plan?

    Pre-existing conditions are not covered by Liaison Economy Plan. However the Liaison EconomyPlan covers for an acute onset of pre-existing conditions. For people up to age 69 the plan covers up to $15,000 for an acute onset of a pre-existing conditions. For people above age 70 and above,the plan covers up to $2,500 for an acute onset of a pre-existing conditions. 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 Economy, Liaison Choice & Liaison Elite?

    The three plans offers different levels of coverage for all covered services. The Liaison Economy offers the most affordable plan, but also has the least coverage all the three options. After the deductible is met, Liaison Economy pays 70% (out of network) or 80%( in network) for the first $5,000 of the covered bill, and then 100% up to the policy maximum
    The Liaison Choice offers the medium coverage, and the pricing is also in more than the Economy plan, but less than the Elite Plan. After the deductible is met, Liaison Choice pays 80% (out of network) or 90%( in network) for the first $5,000 of the covered bill, and then 100% up to the policy maximum
    The Liaison Elite offers the maximum coverage of these three option, and is also the most expensive of the options. After the deductible is met, Liaison Elite pays 90% (out of network) for the first $5,000 and then 100% up to the policy maximum. Within the PPO Network, after the deductible is met, Liaison Elite Plan covers 100% up to the policy maximum.
    For other benefits too the same differences apply. The Liaison Elite offers highest coverage and the Liaison Choice offers medium coverage and Liaison Economy offers the lowest coverage.

    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:
    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.