LEL

Liaison Travel Elite

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
100%
In Network

After deductible, the plan pays 100% up to the policy maximum.

90%
Out of Network

Plan pays 90% 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
  • Urgent Care
  • Not available to Residents of: Islamic Republic of Iran, Syrian Arab Republic, Cuba, North Korea, Kosovo, Gambia, Ghana, Nigeria and Sierra Leone.
    Not Available for Addresses from the Following US States: Colorado, Maryland, New York, South Dakota & Washington.
    Not Available for the following Destination Countries: Antarctica, Cuba, Iran, North Korea, Kosovo & Syria .
  • This plan does not cover a claim in anyway by or resulting from:
    Coronavirus disease (COVID-19);
    Severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2);
    Any mutation or variation of SARS-CoV-2; or
    Any fear or threat of 1, 2, or 3
 

Liaison Travel Elite 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 100% up to the policy maximum for covered situations. Outside the PPO Network, the plan pays 90% for the first $5,000 and then 100% up to the policy maximum.

Outside the USA: After the deductible is met, the plan pays 100% up to the policy maximum for all covered situations. Please review Liaison Travel Elite Insurance Brochurebrochure 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:$10

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 the chosen policy maximum

Emergency Room(ER)

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

Dental

Acute, spontaneous and unexpected pain

Up to $250

Accidental emergency

$1,000

Travel

Emergency Medical Evacuation / Repatriation

Up to $1,000,000

Return of Remains

Up to $100,000

Emergency Reunion

Up to $100,000

Return of minor Child(ren)

Up to $50,000

Trip Interruption

Up to 10,000

Loss of checked Baggage

Up to $1,000 (50 per occurrence maximum)

Life

AD&D

$50,000 plan participant & travel companion; $10,000 child
Aggregate limit of $250,000 for total number of insureds on plan

Common Carrier Accidental Death

$100,000 plan participant & travel companion; $20,000 child
Aggregate limit of $250,000 for total number of insureds on plan

Other

Acute Onset

Acute onset of pre-existing Medical condition for ages 64 and under is covered up to a life time maximum of $15,000; For age 65 to 79, up to $7,500. $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 the chosen policy maximum

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 Elite Plan 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: $10 Emergency Room Co-Pay: $100

Co-Insurance

Within USA:
In Network- 10% for the first $5,000 of accumulated expenses only. After that the plan covers 100% up to the policy maximum. Out of Network: 10% for the first $5,000 and then the plans pays 100% up to the policy maximum .
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 100% up to the selected policy maximum. Outside PPO Network plan pays 90% 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

Extendable with a $5 fee each time you extend up to a maximum of 3 years (1092 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 3 years (364 days maximum at a time

Available Deductibles

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

Available Coverage

Choose Choice From: $50,000; $100,000; $500,000; $1,000,000
Ages 80 and over: Limited to $10,000

Provider Directory

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

Plan Brochure

Liaison Travel Elite Insurance Brochure brochure

Home Country Definition

The country where the covered person has his/her true, fixed, permanent home and principal establishment.

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.