Liaison Express Group by Seven Corners
 

Liaison Express Group International Travel Health Insurance

Covers 10 or more travelers for international trips.

Why is Liaison Express a Good Option for Your Travel Group?

While overseas, you or a member of your group could be faced with a minor health issue or a life-changing and complicated medical situation. Our Liaison Express Group plan has high limits of medical protection for treatment you may need for an illness or injury that occurs on your trip.

Liaison Express also includes the services of Seven Corners’ multilingual 24/7 travel assistance team. While you are abroad, this team can provide a variety of services to help you navigate your health care needs.

The Seven Corners Assist team can:

  • Help you find reputable doctors and hospitals.
  • Assess the type of care you are receiving.
  • Arrange an emergency medical evacuation to another medical facility to ensure you receive appropriate care if it is not available at your location.
  • Act as an interpreter for you.
  • Arrange medical second opinions.

Important Things to Know about Liaison Express:

This plan covers travelers who are as young as 14 days and as old as 69 years of age.

You can purchase a plan for up to 180 days in length.

Pre-existing conditions can be covered for U.S. residents who are traveling abroad.

You must travel outside of your home country to buy this plan. U.S. citizens cannot buy this plan for travel to the United States or to U.S. territories.

Liaison Express Schedule of Benefits

All benefits listed in this Schedule of Benefits are in United States Dollar amounts. All medical and dental benefits are subject to deductible and coinsurance. Unless otherwise stated, all benefits are per person, per period of coverage, and they are provided up to the amount shown.

 
PLAN OPTIONS
Coverage Length
5 days to 180 days
Extension of Coverage
Extendable for up to 180 days total.
Coverage Area 
Worldwide including the United States Worldwide excluding the United States

Ages 14 days to 69 years choose:
$100,000; $500,000; $1,000,000
70 to 79 years:
25,000
80 years and older: $10,000

$0; $100; $250
Coinsurance Options  (The plan pays)

INSIDE THE UNITED STATES
In PPO Network: 90% of the first $5,000, then 100% to medical maximum.
Out of PPO Network: 80% of the first $5,000, then 100% to the medical maximum.

OUTSIDE OF THE UNITED STATES
100%

MEDICAL
URC* up to medical maximum
Local Ambulance Benefit
Up to medical maximum
$150 per day, 10-day limit
$10,000
$5,000
$50,000
Required inside the United States for specific types of treatment. Penalty does not apply to emergencies.

Ages 14 days to 69 years choose: $25,000
70 years and older: $5,000

DENTAL
$100
$500
Emergency Services and Assistance
All emergency services except Natural Disaster Daily Benefit and Terrorist Activity must be coordinated by Seven Corners Assist. 

$500,000
(separate from medical maximum)

$200 per day, 10-day limit
$50,000 maximum

$50,000

$50,000

$5,000

$10,000

$100 per day, 5-day limit

$10,000

Up to medical maximum

Included

AD&D

Primary Insured and Travel Companion $50,000 Principal Sum
Eligible Dependent Child(ren) $5,000 Principal Sum

(aggregate limit of $250,000 for total number of insureds on the plan)

Primary Insured and Travel Companion $100,000 Principal Sum
Eligible Dependent Child(ren) $20,000 Principal Sum

(aggregate limit of $250,000 for total number of insureds on the plan)

OTHER TRAVEL BENEFITS
Trip Interruption must be coordinated by Seven Corners Assist.

$50 per article, $250 per occurrence

$5,000

$25,000

OPTIONAL COVERAGE

Up to medical maximum

BENEFIT PERIOD

180 days

How Travel Health Insurance for Groups Works

Once you complete your purchase, you will immediately receive a receipt, a summary of your benefits, an ID card, and a copy of the plan document. The plan document is the legal document that explains how your coverage works and describes all benefits and exclusions for our international health insurance plan. We recommend you read your plan document, so you understand how your Liaison insurance plan works.

Who Can Buy a Liaison Express Plan?

You can be covered by this plan if you are at least 14 days old and traveling outside your home country.* If you are traveling with 10 or more people, you can purchase this plan. Travelers must be at least 14 days old and younger than 70 years of age.

Where Can I Travel?

You have two coverage area options.

  1. Worldwide coverage including the USA — Select this if you live outside the USA and:
    • You’re traveling to the USA.
    • Your destination is not the USA, but you have a layover in the USA.
    • You’re traveling in the USA and abroad.
  2. Worldwide coverage excluding the USA — Select this if:
    • You live outside the USA, and you won’t enter the USA any time during your trip.
    • You live in the USA, and you’re traveling abroad (outside of the USA).

*What is my home country? For non-United States citizens, it is the country where you have your permanent residence. For United States citizens,including those with dual citizenship, it is always the United States.

Finding Medical Providers

Network providers can be located at: sevencorners.com/help/find-a-doctor or by contacting Seven Corners Assist.

Inside the United States — We offer an extensive network of providers with special network pricing and potential savings for you.

Outside of the United States — Seven Corners has a large international directory of providers, and many of them will bill Seven Corners direct for treatment they provide. We recommend you contact us for a referral, but you may seek treatment at any facility.

Utilizing the network does not guarantee benefits or that the treating facility will bill Seven Corners direct. We do not guarantee payment to a facility or individual until we determine the expense is covered by the plan.

Excess Insurance

All coverages except Accidental Death & Dismemberment are in excess of other insurance or similar benefit programs and apply only when such benefits are exhausted.

This plan is secondary coverage to other insurance. Such other insurance or similar benefit programs may include, but are not limited to, membership benefits; workers’ compensation benefits/programs; government programs; group or blanket coverage; prepayment coverage; union, labor, or employee plans; socialized insurance programs or program otherwise required by law or statute; automobile insurance; or third-party liability insurance.

Refund of Premium/Cancellation of Your International Travel Insurance 

We will refund your payment if we receive your written request for a refund before your effective date of coverage. If your request is received after your effective date, the unused portion of the plan cost may be refunded minus a $25 cancellation fee, if you have not submitted any claims to Seven Corners.

Does this plan cover Coronavirus?

This plan does not cover a claim in any way caused by or resulting from: 1) Coronavirus disease (COVID-19); 2) Severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2); 3) Any mutation or variation of SARS-CoV-2; or 4) Any fear or threat of 1, 2, or 3.

Length of Coverage

Coverage Length — coverage length may vary from 5 days to 180 days.

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;
  2. The moment you depart your home country;
  3. 12 a.m. on the date you request.

Expiration Date — This is the date coverage for you ends, which is the earliest of the following:

  1. The moment you return to your home (except for coverage through Incidental Trips to Home Country and Extension of Benefits in Home Country);
  2. 11:59 p.m. on the date you reach the maximum period of coverage;
  3. 11:59 p.m. on the date shown on your ID card;
  4. 11:59 p.m. on the date that is the end of the period for which you paid; or
  5. The moment you are no longer eligible for coverage.
All times above refer to United States Eastern Time.

Extending Your Travel Medical Coverage

If you initially buy less than 180 days of coverage, you may buy additional time at a minimum of five days and up to a total of 180 days. Your original effective date (day one of your plan) will continue to be used to determine if maximum coverage amounts have been reached and to determine pre-existing conditions. Your medical maximum does not begin again when you extend coverage. We will email you an extension (renewal) notice before your coverage expires, giving you the option to extend your plan.


Underwriter

You can feel confident with Liaison Express ’s strong financial backing through Certain Underwriters at Lloyd’s, London1 an established organization with an AM Best rating of A (Excellent). Your coverage will be there when you need it.

1In specific scenarios, coverage is provided by Tramont Insurance Company Limited. For details regarding Tramont, visit tramontinsurance.com.

About Your Insurance Company

Seven Corners will handle your travel medical insurance needs from start to finish. We will process your purchase, provide all documents, and handle any claims. In addition, our own 24/7 in-house travel assistance team, Seven Corners Assist, will handle your emergency or travel needs.

Pre-existing Conditions Coverage for Travel Health Insurance

What is a pre-existing condition?

Pre-existing conditions include any medical condition, sickness, injury, illness, disease, mental Illness or mental or nervous disorder including congenital, chronic, subsequent, or recurring complications or resulting or related consequences that existed with reasonable medical certainty when you bought the plan or any time in the 36* months before your coverage on this plan began, whether or not previously manifested, symptomatic, known, diagnosed, treated, or disclosed.

This includes, but is not limited to, any medical condition, sickness, injury, illness, disease, mental illness, or mental or 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* months immediately preceding the start date of this plan.

*For insured persons traveling outside the United States, the period is 12 months instead of 36 months

How do we cover pre-existing conditions?

Many travel insurance plans do not cover pre-existing conditions. Liaison Express covers them through the acute onset of pre-existing conditions benefit for U.S. residents traveling outside the USA.

Coverage amounts vary by plan. See the schedule of benefits for details.

ACUTE ONSET OF PRE-EXISTING CONDITIONS

What is an acute onset of a pre-existing condition?

It is a sudden and unexpected outbreak or recurrence of a pre-existing condition:

  • That occurs spontaneously and without advanced warning in the form of physician recommendations or symptoms and requires urgent care;
  • That occurs while you are covered, after the 72-hour (three-day) waiting period; and
  • For which treatment is obtained within 24 hours of the sudden and unexpected outbreak or recurrence.

A pre-existing condition is not an acute onset of a pre-existing condition if:

  1. The condition is chronic, congenital, or gradually becomes worse over time; or
  2. If, during the 30 days prior to the acute event, you had a change in prescription or treatment for a diagnosis related to the underlying pre-existing condition.

Coverage ends on the earlier of:

  1. The condition no longer being acute; or
  2. Your discharge from the hospital.

There is no coverage for known, scheduled, required, or expected medical care, drugs, or treatments existent or necessary prior to departure from the U.S. and before you coverage begins.

There is no coverage for treatment for which you have traveled or conditions for which travel was undertaken after your physician limited or restricted travel.

Liaison Express Group Insurance Exclusions

The exclusions below apply to these benefits: Medical Covered Expenses, Local Ambulance, Hospital Daily Indemnity, Extension of Benefits in Home Country, Incidental Trips to Home Country, Dental Emergency — Sudden Relief of Pain, Dental Emergency — Accident, Emergency Medical Evacuation and Repatriation, Emergency Medical Reunion, Return of Children, Return of Mortal Remains, Local Burial or Cremation, Natural Disaster Evacuation and Repatriation, Political Evacuation and Repatriation, Accidental Death & Dismemberment, Common Carrier Accidental Death and Dismemberment, Trip Interruption, and Optional Coverage — Hazardous Activities. These exclusions exclude expenses that are for, resulting from, related to, or incurred for the following:

  • Pre-Existing Condition(s) except as waived under Acute Onset of Pre-existing condition(s) and Emergency Medical Evacuation and Repatriation, Emergency Medical Reunion, Return of Child(ren), Return of Mortal Remains, and Local Burial or Cremation;
  • Claims not received by the Company or Administrator within ninety (90) days of the date of service;
  • Treatment that (i) exceeds Usual, Reasonable, and Customary Expenses; (ii) is Investigational, Experimental, or for research purposes; or (iii) is received in a Hospital emergency room visit that is not a Medical Emergency;
  • Treatment, services, or supplies that are not administered by or under the supervision of a Physician or Surgeon and products that can be purchased without a Physician’s or Surgeon’s prescription;
  • Routine physicals, inoculations, or other examinations or tests conducted when there is no objective indications or impairments in normal health;
  • Chiropractic care or acupuncture;
  • Services, supplies, medications, testing, or Treatment prescribed, performed, or provided by a Relative or Immediate Family Member;
  • Durable medical equipment;
  • False teeth, dentures, dental appliances, dental expenses, normal ear or hearing tests, hearing aids, hearing implants, eye refractions, eye examinations for prescribing corrective lenses or eyeglasses unless caused by Accidental Injury, eyeglasses, contact lenses, or eye surgery when the primary purpose is to correct nearsightedness, farsightedness, or astigmatism;
  • Replacement of artificial limbs, eyes, larynx, and orthotic appliances;
  • Custodial Care, Educational or Rehabilitative Care, or any Treatment in any establishment for the care of the aged;
  • Vocational, occupational, sleep, speech, recreational, or music therapy;
  • Pregnancy, Illness or complications from Pregnancy, childbirth, abortion, miscarriage including that resulting from an Accident, postpartum care, preventing conception or childbirth, artificial insemination, infertility, impotency, sexual dysfunction, or sterilization or reversal thereof;
  • Sleep apnea or other sleep disorders;
  • Mental Illness and Mental and Nervous Disorders, Rest Cures, learning disabilities, attitudinal disorders, or disciplinary problems;
  • Congenital abnormalities and conditions arising out of or resulting therefrom;
  • Temporomandibular joint;
  • Occupational Diseases;
  • Exposure to non-medical nuclear radiation or radioactive materials;
  • Sexually transmitted diseases, venereal diseases, and conditions and any consequences thereof;
  • Acquired Immune Deficiency Syndrome (AIDS), AIDS-Related Complex (ARC), or the Human Immunodeficiency Virus (HIV);
  • Human organ or tissue transplants;
  • Exercise programs whether prescribed or recommended by a Physician or therapist;
  • 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;
  • Cosmetic or plastic Surgery including deviated nasal septum; modifications of Your physical body intended to improve Your psychological, mental, or emotional well-being including, but not limited to, sexual reassignment Surgery;
  • Acne, moles, skin tags, disease of sebaceous glands, seborrhea, sebaceous cyst, unspecified disease of the sebaceous glands, hypertrophic and atrophic conditions of skin, nevus;
  • Hazardous Activities unless You purchase optional Hazardous Activities coverage, and then only for the activities covered under that option;
  • Injuries sustained while participating in professional Athletics, amateur Athletics, or interscholastic Athletics including, but not limited to, events, games, matches, practice, training camps, sport camps, conditioning, and any other activity related thereto but excluding non-competitive, recreational, or intramural activities;
  • Abuse, misuse, illegal use, overuse, dependency upon, or being under the influence of alcohol, drugs, chemicals, or narcotic agents unless administered under the advice of a Physician and taken in accordance with the proper dosing as directed by the Physician;
  • Suicide or any attempt thereof, self-destruction or any attempt thereof, or any intentionally self-inflicted Injury or Illness;
  • Terrorist Activity except as provided under Terrorist Activity; War, Hostilities, or War-like Operations;
  • Commission of a criminal offense or any other criminal or illegal activity as defined by the local governing body;
  • You unreasonably fail or refuse to depart a country or location following the date a warning to leave that country or location is issued by the United States government or similar warnings issued by other appropriate authorities of either Your Host Country or Your Home Country;
  • Service in the military, naval, coast guard, or air service of any country or while on duty as a member of a police force or unit;
  • Treatment paid for or furnished under any other individual, government, or group policy or Expenses incurred at no cost to You;
  • You while in Your Home Country unless covered under Extension of Benefits in Home Country or Incidental Trips to Home Country;
  • Conditions for which travel was undertaken to seek Treatment after Your Physician has limited or restricted travel;
  • Travel accommodations;
  • Injury sustained while You are riding as a pilot, student pilot, operator, or crew member, in or on, boarding or alighting, from any type of aircraft;
  • Injury sustained while You are riding as a passenger in any aircraft (i) not having a current and valid Airworthy Certificate and (ii) not piloted by a person who holds a valid and current certificate of competency for piloting such aircraft;
  • Flying in any aircraft being used for acrobatic or stunt flying, racing, endurance tests, rocket-propelled aircraft, crop dusting or seeding or spraying, firefighting, exploration, pipe or power line inspection, any form of hunting or herding, aerial photography, banner towing, or any experimental purpose;
  • Participating in contests of speed or riding or driving in any type of competition;
  • Loss of life;
  • Long-term disability; or
  • Financial guarantee, financial default, bankruptcy, or insolvency risks;
  • Any claim in any way caused by or resulting from:
    1. Coronavirus disease (COVID-19);
    2. Severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2);
    3. Any mutation or variation of SARS-CoV-2; or
    4. Any fear or threat of 1, 2, or 3.

Liaison Express International Travel Health Insurance Warnings

Geographic Restrictions

State Restrictions —We cannot accept an address in Maryland, Washington, New York, South Dakota, and Colorado. Please contact your agent or Seven Corners for options for travelers who reside in these states.

Country Restrictions — We cannot accept an address in 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).

Destination Restrictions — We cannot cover trips to Antarctica, Islamic Republic of Iran, Syrian Arab Republic, Cuba, and Democratic People’s Republic of Korea (North Korea).

PPACA Disclaimer

Patient Protection and Affordable Care Act: THIS IS NOT QUALIFYING HEALTH COVERAGE (“MINIMUM ESSENTIAL COVERAGE”) THAT SATISFIES THE HEALTH CARE COVERAGE REQUIREMENT OF THE AFFORDABLE CARE ACT. IF YOU DON’T HAVE MINIMUM ESSENTIAL COVERAGE, YOU MAY OWE AN ADDITIONAL PAYMENT WITH YOUR TAXES.

How to File a Liaison Express Travel Health Insurance Claim

For a claim to be payable, it must meet the terms and conditions in the Liaison Express plan document. In addition, you must submit a completed claim form to us within 90 days of the date of service.

Claims are paid two ways:

  1. We pay your provider if they did not require you to pay up front. To do this, we need an itemized bill from the provider along with a claim form completed by you.
  2. We reimburse you if you paid medical expenses up front. To do this, we need an itemized bill (showing you paid the expenses) along with a claim form completed by you.

Important: If you are traveling in the U.S. and visit a provider in network, please do not pay for services up front and instead allow the provider to bill Seven Corners. Your ID card will provide information about the PPO network in the United States.

  1. Gather your receipts, reports, and any other paperwork related to your claim.
    Use this document reference guide to help figure out what documents you need to gather.
  2. Select and complete the appropriate proof of loss form. You may fill out the claim form in Adobe Acrobat (PDF) or print the form to complete your claim. (How do I save a PDF form?)
  3. Submit your proof of loss form and other paperwork here:

This website is intended as a brief summary of benefits and services. It is not part of your plan document and does not contain a complete summary of your coverage. If there is any difference between this website and your plan document, the provisions in the plan document will prevail. Benefits and premiums are subject to change. Coverage may vary and may not be available in all jurisdictions.

Please be aware this coverage is not a general health insurance plan, but an interim, limited benefit period, travel medical program intended for use while away from your home country.

It is your responsibility to maintain all records regarding travel history, age, and provide necessary documents to Seven Corners to verify your eligibility for coverage.

Contact Us



Our Promise to You

Don’t worry! With our money back pledge, you can cancel your coverage if you are not completely satisfied. A full refund is provided if you send us a written request for a refund before your coverage begins.

24/7 Travel Assistance

1-800-690-6295

317-818-2808 (worldwide)

317-818-2809 (collect)

Includes 24 hour multilingual travel assistance, help finding a provider, and evacuation if necessary.

Learn more