LW

Liaison Worldwide

Comprehensive Coverage
AM Best Rating
A+ (Superior)
Administrator/Underwriter
Seven Corners
Nationwide
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Renewable
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Comprehensive Coverage Plan
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Coverage from 5 days to 12 months
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Urgent Care

Liaison Worldwide 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, the plan pays 80% for the first $5,000 and then 100% thereafter towards eligible covered expenses for each sickness or injury.

Please review Liaison Worldwide Insurance Brochure brochure or policy document for complete and accurate coverage information.

Out-Patient

Dr. / Physician Visit

80% covered for first $5000
100% covered thereafter
Outside USA/Canada: 100% covered

Surgical Treatment

80% covered for first $5000
100% covered thereafter
Outside USA/Canada: 100% covered

Prescription Drugs / Medicines

80% covered for first $5000
100% covered thereafter
Outside USA/Canada: 100% covered

Lab & X-rays

80% covered for first $5000
100% covered thereafter
Outside USA/Canada: 100% covered

Physical Therapy

80% covered for first $5000
100% covered thereafter
Outside USA/Canada: 100% covered

In-Patient

Hospital Room

80% covered for first $5000
100% covered thereafter
Outside USA/Canada: 100% covered

Surgical Treatment

80% covered for first $5000
100% covered thereafter
Outside USA/Canada: 100% covered

Hospital Intensive Care Unit

80% covered for first $5000
100% covered thereafter
Outside USA/Canada: 100% covered

Emergency Services

Ambulance Expenses

Up to $5000

Emergency Room(ER)

80% covered for first $5000
100% covered thereafter
Outside USA/Canada: 100% covered

Dental

Acute, spontaneous and unexpected pain

Up to $100 (1 month or more coverage)

Accidental emergency

Up to $500 (1 month or more coverage)

Travel

Emergency Medical Evacuation / Repatriation

Up to $300,000

Return of Remains

Up to $50,000

Emergency Reunion

Up to $50,000

Return of minor Child(ren)

Up to $50,000

Trip Interruption

Up to $5000

Loss of checked Baggage

Up to $250

Life

AD&D

$25,000, Common Carrier: $50,000

Common Carrier Accidental Death

Up to $50,000
(Dependents $25,000 each; $250,000 Max for Family)

Other

Pre-Existing Conditions

For US Citizens Traveling Abroad Only
Up to $20,000 for Urgent Care
($2,500 for ages 65 and over)

Maternity

Not Covered

General Physical full Checkup

Not Covered

Terrorism Coverage

80% covered for first $5000
100% covered thereafter
Outside USA/Canada: 100% covered
(not covered in NY, OR, KS)

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

Nationwide

Eligibility

Can be purchased by any one travelling outside the home country. Non-United States citizens or any visa holders (e.g. L/H/B1,B2)as well as person on Green Card or United States citizen living outside the US can also purchase the plan for temporary coverage in US. The Plan must become effective within 3 months of arrival in the United States

Plan Type

Comprehensive Coverage Plan
Percentage based coverage.

AM Best Rating

A+ (Superior)

Coverage in U.S.A.

Covered

Coverage outside U.S.A.

Covered

Co-Pay

No Co-pay

Co-Insurance

20% for the first $5,000 of accumulated expenses only. 100% covered there after up to the policy maximum.
Outside USA/Canada: There's no co-insurance. Insurance covers all eligible expenses up to 100%.

How the Benefits are Paid

After the deductible, plan pays 80% for the first $5,000 of accumulated expenses; then plan pays 100% to the selected policy maximum.
Outside USA/Canada: After the Insured pays the deductible, the program pays 100% to the selected policy maximum.

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 3years (1 year for person age 65 and over).

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 12 months, coverage can be extended up to 3 years, by renewing. For persons age 65 and over, total coverage length is 12 months.

Available Deductibles

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

Available Coverage

Choose From: $50,000; $150,000;$ 300,000, $500,000
Ages 65 to 79: $50,000 only.
Ages 80+: Limited to $15,000 only.

Provider Directory

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

Plan Brochure

Liaison Worldwide 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

No Restriction

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 Worldwide Insurance FAQs

Q1: Which doctor or hospital can I go to?

The PPO provider for Liaison Worldwide Insurance is MultiPlan Network. These PPO Networks are independent organizations and is recognized by all major hospitals, doctors, and health facilities. Out-of-Network expenses are also covered but we recommend going to a doctor or hospital listed under this PPO network for negotiated prices.

You can search for doctor or hospital in this Provider Directory.

Q2: When will I receive my ID card?

As soon as you purchase the plan, by default, the on-line buying receipt/virtual ID card is available for printing. This can be your proof of insurance and can be used as an ID card. Additionally by default, you will be emailed the ID card that you can print and take to the doc/hospital. Also, when filling out the online application, you have the choice of getting supplemental information and ID card in the mail. If you would like to receive the ID card and plan details by mail then make sure to choose "yes" for mailed ID card. You should receive your insurance package at your mailing address within 5-10 business days of purchase.

Q3. Does this plan have on flight coverage?

Yes, Liaison Worldwide Insurance has on flight coverage from home country to the U.S. as well as back to home country. This coverage will only apply if the flight days fall during the plan effective dates. If applicable, make sure to select the start date when the insured leaves the home country (U.S. eastern time) and select the end date the day they arrive home country on the trip back (U.S. eastern time)

Q4: How do I use this insurance?

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

Q5: How do I file a claim?

Please refer to the following article concerning the claim process:
Visitor Insurance Claim Process

Q6: What information do I need to purchase this insurance?

Name, date of birth, passport number and home country address of the visitor(s).

Q7: 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 before the policy expires. There is a $5 renewable fee for every time you renew. If you would like to spread your cost and pay for premiums at a monthly basis, you can initially purchase the plan for a month and then keep renewing it month by month.

Q8: I want to purchase insurance for more then one visitor. Should I purchase two separate policies for them or have a combined policy?

Only immediate family members can be on a single policy. The benefits and cost does not differ if you buy individually or combined policies. If the visitors have different travel plans (might be coming together but leaving on different dates, etc.) it is recommended to buy separate policies.

Having separate policies gives you more flexibility in renewals and cancellations.

Q9. What's the difference between Liaison International and Liaison Worldwide?

As of 12/31/2008, Liaison International plans will have different coverage options and can be purchased maximum for 6 months. If you are looking for a plan that has similar features of the older version of Liaison International, then purchase a Liaison Worldwide.

Q10: I am a United States citizen or permanent resident, but live in another country. Can I purchase this insurance during my visit to the US?

Yes you can. This is one of the very few plans that define "Home Country" as the country or residence rather then the citizenship. Meaning, your home country is the country where you live rather then the country you have a citizenship of so you can purchase this plan while visiting the US even though you are a US citizen or PR holder.

Q11: 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

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.