Liaison Travel Elite

Q1. Am I eligible for the Liaison Travel Elite Plan ?

The Liaison Travel Elite is available for:

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 Travel Elite 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 Travel Elite Plan?

Pre-existing conditions are not covered by Liaison Travel Elite Plan. However the Liaison Travel Elite Plan covers for an acute onset of pre-existing conditions. For people up to age 69 the plan covers up to $50,000 for an acute onset of a pre-existing conditions. For people above age 70 and above,the plan covers up to $10,00 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 Travel Economy, Liaison Travel Choice & Liaison Travel Elite?

The three plans offers different levels of coverage for all covered services. The Liaison Travel 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 Travel 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 Travel Elite offers the maximum coverage of these three option, and is also the most expensive of the options. After the deductible is met, Liaison Travel 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 Travel Elite Plan covers 100% up to the policy maximum.
For other benefits too the same differences apply. The Liaison Travel 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.

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

Q13. How do I use this insurance?

Please refer to the following article about the policy usage: How to use Visitor Insurance?

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.