Liaison® Travel Medical Insurance for International Travelers

How It Works

COVERAGE START DATE 

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.

LENGTH OF COVERAGE 

Coverage Length – Your coverage length may vary from 5 to 364 days for Liaison Economy and Choice and from 5 days to 1,092 days (3 Years for Liaison Elite.

COVERAGE EXPIRATION DATE 

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.

All times above refer to United States Eastern Time.

EXTENDING YOUR TRAVEL MEDICAL INSURANCE COVERAGE

Liaison Economy and Liaison 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 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.

EXCESS INSURANCE COVERAGE

All coverages except Accidental Death & Dismemberment are in excess of all other insurance or similar benefit programs and shall apply only when such benefits thereunder are exhausted. This Plan is secondary coverage to any other insurance. Such other insurance or similar benefit programs may include, but are not limited to, membership benefit; workers’ compensation benefits or programs; government programs; group or blanket coverage; prepayment coverage; union, labor, or employee plans; socialized insurance program or program otherwise required by law or statute; automobile insurance; or third-party liability insurance.

PRE-CERTIFICATION

The following expenses must always be pre-certified:

1. Outpatient surgeries or procedures;
2. Inpatient surgeries, procedures, or stays including those for rehabilitation;
3. Diagnostic procedures including MRI, MRA, CT, and PET Scans;
4. Chemotherapy;
5. Radiation therapy;
6. Physical and occupational therapies;
7. Home infusion therapy;
8. Home Health Care.

To comply with the pre-certification requirements, you must:

1. Contact Seven Corners Assist before the expense is incurred;
2. Comply with Seven Corners Assist’s instructions;
3. Notify all medical providers of the pre-certification requirements and ask them to cooperate with Seven Corners Assist.

Once we pre-certify your expenses, we will review them to determine if they are covered by the plan.

If you do not comply with the pre-certification requirements or if the expenses are not pre-certified, we will review the expenses to determine if they are covered by the plan. If covered:

1. Eligible medical expenses will be reduced by 25%; and
2. The deductible will be subtracted from the remaining amount; and
3. Coinsurance will be applied.

Pre-certification does not guarantee benefits – Pre-certification does not guarantee coverage for, or payment of expenses.

REFUNDS

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. 

UNDERWRITER

You can feel confident with Liaison Travel Medical’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.

ABOUT YOUR INSURANCE COMPANY

Seven Corners² 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.

Exclusions

The exclusions below apply to these benefits: Medical Covered Expenses, Local Ambulance, Hospital Daily Indemnity, Coma Extension of Benefits in Home Country, Incidental Trips to Home Country, Dental Emergency, 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 ad Dismemberment, Trip Interruption, and Optional Coverage – Hazardous Activities.

Exclusions

These exclusions exclude expenses that are for, resulting from, related to, or incurred for the following:

• Pre-Existing Condition(s) except as waived under Waiver of Pre-Existing Conditions and Acute Onset of Pre-Existing Conditions;
• 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) 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 eye- glasses 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, postnatal care, preventing conception or childbirth, artificial insemination, infertility, impotency, sexual dysfunction, or sterilization or reversal thereof;
• Sleep apnea or other sleep disorders;
• Mental and Nervous Disorder, 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, sex-change 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 under Optional Coverage – Hazardous Activities;
• Injuries sustain 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 (i) 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; and
• 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.

Warnings

GEOGRAPHIC RESTRICTIONS

State Restrictions – We cannot accept an address in Maryland, Washington, New York, South Dakota, and Colorado.

Country Restrictions – We cannot accept an address in Cuba, Islamic Republic of Iran, Syrian Arab Republic, United States Virgin Islands, Gambia, Ghana, Nigeria, and Sierra Leone.

Destination Country Restrictions – We cannot cover trips to Antarctica, Islamic Republic of Iran and Syrian Arab Republic and Cuba.

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.

File a Claim

Group Travel

Group Requirements

1. All group members must be traveling outside their home country.
2. Your group must have 5 or more travelers.
3. If your group is planning multiple trips, please complete a separate application form for each group trip.
4. U.S. citizens cannot travel to the U.S. on this policy.