Liaison Travel Medical Insurance

Liaison Travel Medical insurance is a comprehensive policy providing medical insurance for visitors to the US, i.e. non US citizens travelling to the US. If you have family or friends as visitors to the US, Liaison Travel Medical Insurance is a comprehensive travel insurance policy that you can consider for them. Liaison Travel Medical Insurance is Underwritten by Certain Underwriters at Llyods of London and is rated “A” excellent by A M Best. The plan is administered by Seven Corners.

Liaison Travel Medical Insurance has three options to choose from, Economy, Choice and Elite.  With the Liaison Travel Economy and Liaison Travel Choice your coverage length may vary from 5 to 364 days and from 5 days to 1,092 days (3 years) with the Liaison Travel Elite.

The Liaison Travel Medical Insurance follows the United Health network. You are free to go to any provider (Doctor/Hospital/Urgent Care) however in the US if you choose to go to a network provider, after the deductible has been met, the Liaison Economy will pay 80%, the Liaison Choice will pay 90% while the Liaison Elite will pay 100% for the first $5000 after which the policy pays 100% till the chosen maximum limit.

The Liaison Travel Medical Insurance offers a range of coverage and has choices from $50,000 to $5,000,000 for the policy maximum and deductible choices from $0, to $5000.  The policy has acute onset of preexisting condition for people below 70 years of age included.

When you apply for the Liaison Travel Medical Insurance policy online you will be emailed the insurance documents (virtual ID card and Certificate ) emailed to the email address you provide on the application.

brochure


Range of Coverage

The policy provides coverage for accident and sickness. Coverage includes emergency medical evacuation, repatriation of remains and accidental death & dismemberment. Based on the age, the plan offers coverage options from $50,000 to $5,000,000 and has choices of deductibles from $0 to $5000.

Instant ID Card

Your ID card and insurance documents will be emailed to you as soon as your purchase has been completed.

Pre-existing Coverage

Based on the age, the policy includes some coverage for an acute onset of a preexisting condition. Please refer to the brochure for details.

Hazardous Activities

An optional rider is available at an additional premium for hazardous activities for activities like bungee jumping; caving; hang gliding; jet skiing; parachuting; parasailing; scuba diving etc.

Repatriation of Remains

Up to $7,500 for the return of the deceased’s remains upon the death of the insured.

Accidental death and Dismemberment

Per the choice of plan, Liaison Travel pays benefits for death, loss of limbs, or loss of sight due to an accident occurring while on your trip.


 

Based on where the coverage (including the US or excluding the US Liaison Travel Medical Insurance provides a choice of medical maximum limits of $50,000 to $5,000,000 (ages 70 to 99 years, choice of  $50,000, $100,000 policy maximum, ages 80+ choice $15k with the Economy and Choice or $20K with the Elite.

Choice of $0; $100; $250; $500; $1,000; $2,500, $5,000

 

Outside the U.S.:
Liaison Travel Medical Insurance pays 100% outside the US .

 

In USA: In network- Economy pays 80% up to $5000 and then 100%; Choice pays 90% up to $5000 and then 100%; Elite pays 100%
In USA: Outside network:  Economy pays 70% up to $5000 and then 100%; Choice pays 80% up to $5000 and then 100%; Elite pays 90% up to $5000 and then 100%

 

The coverage length may vary from 5 to 364 days for Liaison Travel Economy and Liaison Travel Choice and from 5 days to 1,092 days (3 years) for Liaison Travel Elite.

 

Liaison Travel Economy and Liaison Travel Choice – If you initially buy less than 364 days of coverage, you may buy additional time, to a total of 364 days. Your original effective date is used to calculate your deductible and coinsurance and to determine pre-existing conditions. 

 

Liaison Travel Elite – If you initially buy less than 364 days of coverage, you may buy additional time, to a total of 1,092 days (three 364-day periods). A new deductible and coinsurance applies beginning the 365th day and again the 729th day, but your original effective date is used to determine pre-existing conditions. Your medical maximum does not begin again when you renew coverage. 

 

A $5 administrative fee is charged for each renewal.

Liaison Travel Medical Insurance is underwritten by certain Underwriters at Llyods of London
Liaison Travel Medical Insurance is administered by Seven Corners.

How it works?

Liaison® provides coverage while traveling outside of the Home Country.  For United States Citizens, “Home Country” is always the United States.  Eligible individuals may also purchase coverage for their Spouse, Traveling Companions, and Child(ren).  It is the responsibility of the members to maintain all records regarding travel history and age and to provide any documents to the Administrator necessary to verify eligibility requirements

Effective Date – This is the start date of your plan, on the later of the following:

    • 1) 12 a.m. the day after we receive your application and correct payment if you apply online or by fax;
    • 2) 12 a.m. the day after the postmark date of your application and correct payment if you apply by mail;
    •  3) The moment you depart your home country;
    • 4) 12 a.m. on the date you request on your application. 

Expiration Date – The date coverage for you terminates, which is the earliest of the following:

    • 1) The moment you return to your home on the date of attainment of the maximum period of coverage;
    •  2) 11:59 p.m. on the date shown on your ID card;
    •  3) 11:59 p.m. on the date that is the end of the period for which the Plan premium has been paid; or
    • 4) The moment you fail to be eligible.
If you purchase at least 30 days of coverage, you may travel to countries other than the United States for up to 30 days. This benefit does not include travel to your home country, and it does not extend after your coverage expiration date.

If you are a non-United States Resident under the age of 70, the exclusion set forth in Section 8(a) is waived for the eligible medical Expenses for the first Acute Onset of a Pre-Existing Condition(s) during the Period of Coverage up to the amount set forth in the Schedule of Benefits for eligible medical Expenses incurred in the United States. The same waiver applies for persons age 70 and over for the amount set forth for them in the Schedule of Benefits.  These waivers apply subject to Your payment of the Deductible and selected Coinsurance option.  This waiver does not include coverage for known, scheduled, required, or expected medical care, drugs, or Treatments existent or necessary prior to arrival in the United States and prior to the Effective Date of Coverage; coverage for Treatment for which You have traveled; or coverage for conditions for which travel was undertaken after Your Physician has limited or restricted travel.  Coverage ceases on the earliest of (i) the condition no longer being considered acute or (ii) Your discharge from the Hospital.  As set forth in the Schedule of Benefits, there is no waiver for persons age 70 and over. 

Sudden and unexpected outbreak or recurrence of a Pre-Existing Condition(s) that occurs spontaneously and without advanced warning either in the form of Physician recommendations or symptoms and requires urgent care.  The Acute Onset of a Pre-Existing Condition(s) must occur after the Effective Date of Coverage and prior to the age shown in the Schedule of Benefits. Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or recurrence. A Pre-Existing Condition that is Congenital or that gradually becomes worse over time is not Acute Onset of a Pre-Existing Condition.  A Pre-Existing Condition will not be considered an Acute Onset of a Pre-Existing Condition(s) if, during the thirty (30) days prior to the acute event, You had a change in prescription or Treatment for a diagnosis related to the acute event.  This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs, or Treatments existent or necessary prior to arrival in the United States and prior to the Effective Date of Coverage. 

The Liaison Travel Medical plan covers typical types of vacation activities in all three Liaison plans. However, if you plan to participate in more adventurous activities when you travel, you can consider the optional coverage for bungee jumping; caving; hang gliding; jet skiing; motorcycle or motor scooter riding whether as a passenger or a driver; parachuting; parasailing; scuba diving only to a depth of 10 meters with a breathing apparatus provided that you are SSI, PADI or NAUI certified; snowmobiling; spelunking; wakeboard riding; water skiing; windsurfing; or zip lining. You must purchase this optional coverage if you wish to be covered while riding a motorcycle, motor scooter, or similar transportation when such transportation is an established and accepted routine means of public transportation for hire in the specific geographic area where you are located in the host country.  

The Liaison Travel Medical Insurance follows the Unite Health network. You can search for providers in the area at  United Health with your zip code.

The application will need the name, date of birth, visitor’s address, passport country  and email address to send the insurance documents.  If you do have the passport number you can enter it. A valid credit card will be required to complete the purchase.

An email will be sent to the email address provided on the application which will include links to download the ID card, Visa Letter and Certificate wording.  

Liaison Travel Economy and Liaison Travel Choice – If you initially buy less than 364 days of coverage, you may buy additional time, to a total of 364 days. Your original effective date is used to calculate your deductible and coinsurance and to determine pre-existing conditions. 

Liaison Travel Elite – If you initially buy less than 364 days of coverage, you may buy additional time, to a total of 1,092 days (three 364-day periods). A new deductible and coinsurance applies beginning the 365th day and again the 729th day, but your original effective date is used to determine pre-existing conditions. Your medical maximum does not begin again when you renew coverage. We will email you a renewal notice before your coverage expires, giving you the option to renew your plan. A $5 administrative fee is charged for each renewal.

Before the effective date of the policy:  Full cancellation and refund will only be considered if written request is received prior to the Effective Date of the coverage.

After the effective date of the policy:  If written request is received after the Effective Date of coverage, the following conditions apply if the Insured Person wishes to cancel the insurance and a written partial refund request has been made:

a) If any claims have been filed with the Company, the Premium is fully earned and is non-refundable.
b) If no claims have been filed with the Company, then a pro-rated refund is possible with a cancellation fee of US $25

It is a good practice to keep a copy of the entire Claims documents with you before you submit the Claims for processing

  • Download and complete the Claims Form
  • Attach copies of all the pages of the passport
  • Attach the itemized bills
  • Submit the above within the stipulated time of 90 days after seeing the provider
  • Follow up on your Claim by calling 800-335-0477 or emailing claims@sevencorners.com

Seven Corners, Inc.
Attn: Claims
303 Congressional Boulevard Carmel, IN 46032 USA
Claims Number: 1.800.335.0477
Email: claims@sevencorners.com  
Fax (+1) 317-575-2256
You can also upload file at File upload

Non-emergency   Claims & benefit questions
1-800-335-0611 (toll free)
317-575-2652 (worldwide)
317-818-2809 (collect calls only)

Emergency Travel Assistance
For emergency assistance you can call:
Toll free : 1-800-690-6295
Worldwide : 317-818-2808
Collect Calls Only: 317-818-2809