Liaison Travel Plus
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
In Network
After deductible, the plan pays 90% up to the policy maximum.
Out of Network
Plan pays 80% of the first $5,000, then 100% up to the policy maximum.
COVID-19 Included
Acute onset of Pre-Existing Conditions
Extendable & Cancelable
PPO
Urgent Care
Medical Coverage During Travel
Comprehensive Coverage Plan
Coverage from 5 days to 364 days
Liaison Travel Plus 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 90% up to the policy maximum for covered situations. Outside the PPO Network, the plan pays 80% 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 Plus Insurance Brochure
or Description on Coverage (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:$20
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
$50 per visit/10 visits max
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 $10,000
Emergency Room(ER)
URC (Usual Reasonable and Customary) up to the medical maximum. Co-pay: $100
Dental
Acute, spontaneous and unexpected pain
Up to $200
Accidental emergency
$500
Travel
Emergency Medical Evacuation / Repatriation
Up to $500,000 (separate from medical maximum)
Return of Remains
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)
Life
AD&D
$25,000 plan participant & travel companion; $5,000 child
Aggregate limit of $250,000 for total number of insureds on plan
Common Carrier Accidental Death
$50,000 plan participant & travel companion; $10,000 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 lifetime maximum of $10,000; For age 65 to 74, up to $5,000. $25,000 Maximum per person per Period of Coverage for Emergency Medical Evacuation applies.
Hazardous Sports Coverage
Optional benefit
Local Burial or Cremation
Up to $5,000
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 Travel Plus 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: $20 Emergency Room Co-Pay: $100
Trip Interruption
Up to $5,000
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: 20% for the first $5,000 and then the plans pays 100% up to the policy maximum .
Outside USA: No Co-insurance. 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 90% up to the selected policy maximum. Outside PPO Network plan pays 80% 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 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
Coverage Length
Min 5 days to 364 days
Available Deductibles
For ages up to 64yrs old Choose From: $0, $100, $250, $500, $1000, $2500, $5,000
For ages 65yrs to 74yrs Chose From: $250, $500, $1,000, $2.500, $5,000
Available Coverage
For ages up to 64yrs old and traveling to the United States Choose From: $50,000; $100,000; $500,000; $1,000,000
Ages 65 to 69 old and traveling to the United States: $50,000, $100,000
Ages 70 to 74 and traveling to the United States:$50,000
For ages up to 64yrs old traveling worldwide excluding the United States chose from: $50,000, $100,000, $500,000, $1MIL, $2MIL, $5MIL
For ages 65 to 74 and traveling worldwide excluding the United States chose from: $50,000 or $100,000
Provider Directory
By Provider, Phone Nos. : 800-335-0477 or 317-575-2656
Plan 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: Cuba, Islamic Republic of Iran, Syrian Arab Republic, United States Virgin Islands, Gambia, Ghana, Nigeria, Sierra Leone, and Democratic People's Republic of Korea (North Korea)..
Cannot cover trips to: Antarctica, Cuba, Islamic Republic of Iran, North Korea and Syrian Arab Republic.
Liaison Travel Plus Insurance FAQs | |
| Q1. Am I eligible for the Liaison Travel Plus Plan ? The Liaison Travel Plus is available for: | |
| 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 extend the plan, if I plan to stay longer? Yes, if you buy the plan initially for more than 5 days, you can extend the policy. You would need to extend the plan at least two days before the policy expires. There will be a $5 administrator extension fee. The policy can be extended 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 Plus 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 Plus plan? Pre-existing conditions are not covered by Liaison Travel Plus plan. However, the Liaison Travel Plus plan covers for an acute onset of pre-existing conditions. For people up to age 64 the plan covers up to $10,000 for an acute onset of a pre-existing conditions. For people above age 65 to 74, the plan covers up to $5,00 for an acute onset of a pre-existing conditions. 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'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. | |
| Q9. 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 60 days. The trip must not be taken for medical purposes. Incidental home country coverage does not apply to final trip to home country. | |
| Q10. 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 | |
| Q11. 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. | |
| Q12. How do I use this insurance? Please refer to the following article about the policy usage: How to use Visitor Insurance? | |
| Q13. How do I file a claim? Please refer to the following article concerning the claim process: | |
| Q14. 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 extendable you can extend it anytime you would like to before the policy expires. There is a extendable fee of $5 that associated with the extension. | |
| Q15. Where can I find answers to other questions I have? Please refer to Visitors Insurance FAQs section. 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 | |
Q16. Does Liaison Travel Plus cover coronavirus? Liaison Travel Plus will cover coronavirus as any other eligible benefit, so long as you did not contract the virus prior to purchasing a policy. Please read your policy certificate for limits and exclusions. For more in-depth information regarding the impact of the coronavirus on travel insurance, please go to our information hub. | |
| Q17: Does Liaison Travel Plus cover the Coronavirus vaccination? Liaison Travel Plus doesn't cover COVID-19 vaccinations but will cover COVID-19 treatment and services the same as any other eligible condition if COVID-19 is contracted after the policy effective date. Preventative care related to COVD-19, like vaccinations, aren't covered under the policy. Please login to My Policy to view your plan specific documents for any limits or exclusions. | |
| Q18: Why is there a discrepancy of one cent on my Total Premium? There are two systems, and they may have differed in how they round the values, please rest assured that the final price shown in the purchase summary is always right. We are actively working to resolve this issue and we apologize for any inconvenience. | |
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.
