LEC

Liaison Travel Economy

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 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

Here is a complete list of benefits of Liaison Travel Economy
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.

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.

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

Acute, spontaneous and unexpected pain
Up to $100
Accidental emergency
Up to $500
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)
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
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
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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