Group Travel Insurance
Liaison Express® Group

  • All group members must be traveling outside the country where you have your true, fixed and permanent home to which you will return.
  • Your group must have 5 or more travelers, who are not family members.
  • If your group is planning multiple trips, please complete a separate application form for each group trip.

View Plan Document

Premium rates are based on whether you are traveling inside or outside of the United States:

Traveling Outside the United States: Daily Rates Per Person*
Deductible Coverage Maximum
$100,000 $500,000 $1,000,000
$0 $1.75 $2.00 $2.28
$100 $1.54 $1.75 $1.98
$250 $1.40 $1.56 $1.80
Traveling Inside the United States: Daily Rates Per Person*
Deductible Coverage Maximum
$100,000 $500,000 $1,000,000
$0 $2.64 $3.42 $3.78
$100 $2.34 $3.00 $3.30
$250 $2.10 $2.70 $3.00

*Coverage Maximum limited to $25,000 for Travelers age 70-79.
Coverage Maximum limited to $15,000 for Travelers age 80 and above.
Daily Rates for Travelers age 70 and above will be the same Daily Rate displayed in the $100,000 Coverage Maximum column.


Optional Hazardous Sport Coverage

Coverage for the following activities, which are otherwise excluded: Motorcycle/motor scooter riding (as a passenger or a driver), hang gliding, parachuting, bungee jumping, water skiing, snow skiing, snowmobiling, snowboarding, and spelunking. If selected, Hazardous Sport Coverage will be applied to all group members and increase the plan price by 25%.

Unless otherwise stated, deductibles, copays, coinsurance, and benefits are shown per person and per injury/illness.

Medical Maximums$100,000, $500,000, $1,000,000
Insureds age 70 to 79 are limited to a $25,000 Medical Maximum.
Insureds age 80 years and older are limited to a $15,000 Medical Maximum.

Deductible$0; $100; $250

Coinsurance

Traveling Outside the United States — After You pay the Deductible, the plan pays 100% to the selected Medical Maximum.

Traveling Inside the United States — After You pay the Deductible, the plan pays 80% of the next $5,000 of eligible expenses, then 100% to the selected Medical Maximum.

Hospital Indemnity$150/night, 30-night limit

(Applicable to Individuals traveling outside the U.S. only)

Dental Sudden Relief of Pain$100

Only available to programs purchased for 1 month or more.

Dental Emergency Treatment$500

Only available to programs purchased for 1 month or more.

Emergency Medical Evacuation/Repatriation $300,000

(in addition to the Medical Maximum)

Return of Mortal Remains$50,000

Political Evacuation$10,000

Terrorismmedical maximum

(Medical only, no AD&D)

War Risk Coverage medical maximum

(Medical only, no AD&D)

Return of Minor Child(ren) $50,000

Emergency Medical Reunion 50,000

Local Ambulance Benefit $5,000

Loss of Checked Baggage $250/occurrence

Accidental Death $50,000 Principal sum insured & spouse
& Dismemberment (AD&D)

In the event of a Common Carrier Accidental Death, this benefit will not be paid.

Common Carrier Accidental Death$100,000 Principal sum insured & spouse

Interruption of Trip$5,000

Home Country Coverage

Incidental Trips to the Home Country $50,000

Extension of Benefits $5,000
Benefits will be provided with the following Coinsurance if the U.S. is your Home Country: After You pay the Deductible, the plan pays 80% of the next $5,000 of eligible expenses, then 100% to the Home Country Coverage Benefit Maximum.

Hospital Room & Board (usual, reasonable & customary) medical maximum

Intensive Care (usual, reasonable & customary) medical maximum

Outpatient Medical Expenses (usual, reasonable & customary) medical maximum

Waiver of Pre-existing Conditions

age 69 & under - $25,000
age 70 & up - $5,000

(U.S. residents traveling outside the U.S.)

Covers medical expenses for a sudden, unexpected recurrence of a pre-existing condition.

Natural Disaster Evacuation/Repatriation$10,000

(only available for travel outside the United States)

Optional Hazardous Sports Coverage

With this option you have coverage for: 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.

Benefit Period 180 days

What is a benefit period? It’s the amount of time you have from the date of your injury/illness to receive treatment. If your plan ends during your benefit period, you can still receive treatment if you are outside your home country. If you have returned home, there is limited coverage under the Home Country Extension of Benefits.

Travel Assistance Service 24/7 worldwide

*These benefits must be approved and arranged by Seven Corners Assist.

Length of Coverage

Your coverage length may vary from 5 days to 364 days.

Coverage Start Date - Coverage begins on the date of your choice, once you have left your home country, and we have received and approved your application and payment.

Coverage End Date - Your coverage ends on the earlier of the following: your return to your home country (except for Home Country Coverage); the end of the coverage period purchased; when you are no longer eligible for coverage; or when the maximum benefit amount has been paid. 

Continuing Coverage - If you initially buy less than 364 days of coverage, you may purchase additional time, to a total of 364 days. Your initial effective date is used to calculate your deductible and coinsurance and to determine pre-existing conditions.

The list below contains the exclusions in your policy. To view the exclusions for Accidental Death & Dismemberment, you may review a sample plan document. You will receive a copy of your plan document when your coverage is issued. View a sample plan document.

No Benefit shall be payable for Accident Medical, Sickness Medical, In-Hospital Indemnity, Dental, Emergency Medical Evacuation/Repatriation, Return of Mortal Remains, Return of Minor Child(ren), Emergency Medical Reunion, as the result of:

  1. Pre-existing Conditions which are excluded under this Certificate. This means that any claims for Pre-existing Conditions will not be covered for the duration of this Certificate. This exclusion does not apply to Emergency Evacuation/Repatriation or Return of Mortal Remains.
    1. If You are a United States resident under age 70, this exclusion is waived for the first $25,000 in eligible medical expenses incurred outside the United States (for persons age 70 and over, the amount is $5,000), minus Your Deductible and Coinsurance. This waiver does not include coverage for known, scheduled, required, or expected medical care, drugs, or treatments existent or necessary prior to the effective date of this program.

      If the Pre-existing Conditions exclusion is waived, all of the remaining exclusions still apply.
  2. Charges for Treatment which exceed Usual, Reasonable and Customary charges; or charges incurred for Surgeries or Treatments which are Investigational, Experimental, or for research purposes; expenses which are non-medical in nature;
  3. Claims not received by Seven Corners within ninety (90) days of the date of service;
  4. Expenses for vocational, occupational, sleep, speech, recreational or music therapy;
  5. Durable medical equipment;
  6. Expenses which were not recommended, approved and certified as Medically Necessary and reasonable by a Physician;
  7. Suicide or any attempt thereof, or self-destruction or any attempt thereof; intentionally self-inflicted Injury or Illness;
  8. Expenses as a result of, or in connection with, the commission of a felony offense or any other criminal or illegal activity as defined by the local governing body;
  9. Utilization of Nuclear weapons of mass destruction means the use of any explosive nuclear weapon or device or the emission, discharge, dispersal, release or escape of fissile material emitting a level of radioactivity capable of causing incapacitating disablement or death amongst people or animals (including in connection with Terrorist Activity). ii) Utilization of Chemical weapons of mass destruction means the emission, discharge, dispersal, release or escape of any solid, liquid or gaseous chemical compound which, when suitably distributed, is capable of causing incapacitating disablement or death amongst people or animals (including in connection with Terrorist Activity). iii) Utilization of Biological weapons of mass destruction means the emission, discharge, dispersal, release or escape of any pathogenic (disease producing) micro-organism(s) and/or biologically produced toxin(s) (including genetically modified organisms and chemically synthesized toxins) which are capable of causing incapacitating disablement or death amongst people or animals (including in connection with Terrorist Activity). Also excluded hereon is any Loss or expense of whatsoever nature directly or indirectly arising out of, contributed to, caused by, resulting from, or in connection with any action taken in controlling, preventing, or suppressing any, or all, of the situations described above. In the event any portion of this exclusion is found to be invalid or unenforceable, the remainder shall remain in full force and effect;
  10. Terrorist Activity. For the purpose of this Exclusion, Terrorist Activity means an act, or acts, of any person, or group(s) of persons, committed for political, religious, ideological or similar purposes with the intention to influence any government and/or to put the public, or any section of the public, in fear. Terrorist Activity can include, but not be limited to, the actual use of force or violence and/or the threat of such use. Furthermore, the perpetrators of terrorist activity can either be acting alone, or on behalf of, or in connection with any organization(s) or governments(s). The Company shall not be liable for and will not provide coverage or benefits in excess of the maximum stated in the SCHEDULE OF BENEFITS for any claim or charges, Illness, Injury or other consequence, whether directly or indirectly, proximately or remotely occasioned by, contributed to by, or traceable to or arising in connection with any act of Terrorism; and provided, further, the Company shall not be liable for and will not provide any coverage or benefits for any claim, charges, Illness, Injury or other consequence, whether directly or indirectly, proximately or remotely occasioned by, contributed to by, or traceable to or arising in connection with the following:
    1. The Insured Person’s direct or indirect involvement in the Terrorist Activity.
    2. The Terrorist Activity takes place in a country or location where the United States government has issued a travel warning that has been in effect within the six (6) months prior to the Insured Person’s date of arrival.
    3. The Insured Person unreasonably fails or refuses to depart a country or location following the date a warning to leave that country or location is issued by the United States government.
  11. Injury sustained while participating in professional athletics, including but not limited to the event, games, practice, conditioning and any other activity related to professional athletics.
  12. Injury sustained while participating in amateur or interscholastic athletics, including but not limited to the event, games, practice, conditioning and any other activity related to amateur or interscholastic athletics; this exclusion does not apply to non-competitive, recreational or intramural activities. Note: A sponsored and/or organized Amateur or Interscholastic Athletic event includes training camps, team sports, or any formal grouping of people participating in one or multiple events that may/may not require a fee for participation.
  13. Occupational Diseases, including but not limited to disease(s) related to asbestos exposure, and the complications thereof, including asbestosis and mesothelioma related to asbestos exposure;
  14. Routine physicals, inoculations, or other examinations including but not limited to laboratory, diagnostic, or x-ray examinations where there are no objective indications or impairment in normal health;
  15. Diagnosis or Treatment of the temporomandibular joint;
  16. Chiropractic care or acupuncture;
  17. Services, supplies, or Treatment prescribed, performed or provided by a Relative of the Insured Person or any family member of the Insured Person or anyone who lives with the Insured Person. This includes but is not limited to prescription medication and any diagnostic testing;
  18. Treatment and the provision of false teeth or dentures or dental appliances, normal ear tests and the provision of hearing aids, hearing implants, cosmetic or plastic Surgery (including deviated nasal septum), dental expenses except as specifically provided in the Dental Emergency Treatment benefit , eye refractions or eye examinations for the purpose of prescribing corrective lenses for eye-glasses or for the fitting thereof, unless caused by Accidental bodily Injury incurred while insured hereunder; eyeglasses, contact lenses; eye surgery when the primary purpose is to correct nearsightedness, farsightedness or astigmatism;
  19. Treatment in connection with alcohol, drug or chemical abuse, misuse, illegal use, overuse or dependency or use of any drug or narcotic agent; Injury sustained while under the influence of or Disablement due wholly or partly to the effects of intoxicating liquor, chemicals, or drugs or narcotic agent, unless administered under the advice of a Physician and said narcotic agent was taken in accordance with the proper dosing as directed by the physician;
  20. Mental and Nervous Disorder or Rest Cures;
  21. Learning disabilities, attitudinal disorders, or disciplinary problems;
  22. Congenital abnormalities and conditions arising out of or resulting therefrom;
  23. Expenses incurred during a Hospital emergency room visit which is not of an Emergency nature;
  24. Injury sustained while taking part in Mountaineering, hang gliding, paragliding, Parachuting, paragliding, zip lining, parasailing, bungee jumping, racing by any animal or motor vehicle or motorcycle, snowmobiling, motorcycle/motor scooter riding (whether as a passenger or driver), scuba diving involving underwater breathing apparatus (unless SSI, PADI or NAUI certified), water skiing, wakeboard riding, jet skiing, windsurfing, snow skiing and snowboarding (except for recreational downhill and/or cross country snow skiing or snowboarding. No cover provided while skiing/boarding in any violation of applicable laws, rules or regulations, away from prepared and market in-bound territories; and/or against the advice of the local ski school or local authoritative body); and any sport or athletic activity which is undertaken for thrill seeking and exposes the Plan Participant to abnormal or extreme risk of injury; Hazardous Sports Coverage: the following are covered if the required premium has been paid: 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.
  25. Treatment paid for or furnished under any other individual, government, or group policy or charges provided at no cost to the Insured Person;
  26. Diagnosis and or Treatment of venereal disease, including all sexually transmitted diseases and conditions and any and all consequences thereof;
  27. Pregnancy expenses or Illness resulting from Pregnancy, childbirth, or miscarriage; or for miscarriage resulting from an Accident or complications of Pregnancy; or for postnatal care;
  28. Drug, Treatment or procedure that either promotes or prevents conception, or prevents childbirth, including but not limited to: artificial insemination, Treatment for infertility or impotency, sterilization or reversal thereof;
  29. Expenses incurred while the Insured Person is in their Home Country (except after approved Emergency Medical Evacuation/Repatriation or if covered under the Home Country Coverage Benefit);
  30. Expenses incurred for which travel was undertaken to seek Medical Treatment for a condition; or incurred after the Insured Person’s physician has limited or restricted travel;
  31. All charges incurred while confined primarily to receive Custodial Care, Educational or Rehabilitative Care, or any Medical Treatment in any establishment for the care of the aged;
  32. Treatment for human organ or tissue transplants and their related Treatment;
  33. Weight reduction programs or the surgical Treatment of obesity, including but not limited to wiring of the teeth and all forms of intestinal bypass Surgery;
  34. Modifications of the physical body intended to improve the psychological, mental or emotional well-being of the Insured, including but not limited to sex-change Surgery; any drug, Treatment, or procedure that promotes, enhances or corrects impotency or sexual dysfunction;
  35. Expenses resulting from Acquired Immune Deficiency Syndrome (AIDS), AIDS-Related Complex (ARC) or the Human Immunodeficiency Virus (HIV);
  36. Exercise programs, whether or not prescribed or recommended by a Physician;
  37. Treatment required as a result of complications or consequences of a Treatment or condition not covered hereunder;
  38. Charges for travel accommodations, except as provided for in the Local Ambulance, Emergency Medical or Political Evacuation, Return of Mortal Remains, Return of Minor Children, Emergency Reunion, Natural Disaster, and Interruption of Trip sections of this insurance;
  39. Diagnosis or Treatment incurred as a result of exposure to non-medical nuclear radiation and/or radioactive materials;
  40. Diagnosis or Treatment for acne, moles, skin tags, disease of sebaceous glands, seborrhea, sebaceous cyst, unspecified disease of the sebaceous glands, hypertrophic and atrophic conditions of skin, nevus;
  41. Treatment, services or supplies that are not administered by or under the supervision of a Physician and products that can be purchased without a doctor’s prescription;
  42. Treatment of sleep apnea or other sleep disorders.

Benefit period - This is the amount of time you have from the date of your injury/illness to receive treatment. Your initial treatment must begin within 30 days of your injury/illness, and treatment may continue as long as your benefit period. 

Pre-existing Conditions - This means any medical condition, sickness, Injury, Illness, disease, Mental Illness or Mental Nervous Disorder, regardless of the cause, including any Congenital, chronic, subsequent, or recurring complications or consequences related thereto or resulting therefrom that with reasonable medical certainty existed at the time of application or any time during the 36* months prior to the effective date of coverage under this policy, whether or not previously manifested, symptomatic, known, diagnosed, treated or disclosed. This specifically includes but is not limited to any medical condition, sickness, Injury , Illness, disease, Mental Illness or Mental Nervous Disorder, for which medical advice, diagnosis, care or Treatment was recommended or received or for which a reasonably prudent person would have sought treatment during the 36 month period immediately preceding the effective date of coverage under this policy. *For Insured Persons traveling outside the United States, the period is 12 months instead of 36 months