Liaison® Travel Medical Insurance for International Travelers

International travel insurance for trips abroad with coverage from 5 days up to 364 days.



 

24/7 Travel Assistance
1-800-335-0611
0-317-818-2809 (collect)

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

No matter where you go, Liaison® Travel Medical Insurance follows you with:

  • Comprehensive medical coverage
  • An extensive network of providers
  • 24-hour travel assistance

You must travel outside your home country to buy this plan, and all travelers must be at least 14 days of age.

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

Do you need a Schengen visa for travel to Europe?

Do you need a Schengen visa for travel to Europe? Choose a $0 deductible to be certain you meet minimum requirements. Members who are 65 years and older will not meet the minimum requirements for a Schengen visa on the Liaison Travel Plus plan. Contact your sales agent for the best option for them.

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.

Compare Liaison International Travel Medical Insurance 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/or copay and coinsurance. Unless otherwise stated, all benefits are per person, per period of coverage, and they are provided up to the amount shown.

Liaison® Travel Basic
Covers up to 10 travelers.

Liaison® Travel Choice
Covers up to 10 travelers.
Recommended for Schengen visa.

Liaison® Travel Plus
Covers up to 10 travelers and offers group coverage for 10 or more travelers.
Recommended for Schengen visa. 
Includes coverage for COVID-19.

PLAN OPTIONS
Coverage Length

5 days to 364 days

5 days to 364 days

5 days to 364 days

Covered Ages

You must be at least 14 days old. 

You must be at least 14 days old. 

14 days to 74 years

180 days

180 days

180 days

Coverage Extension 

Extendable for a total of up to 364 days.

Extendable for a total of up to 364 days.

Extendable for a total of up to 364 days.

Coverage Area

Worldwide including the United States

Worldwide excluding the United States

Worldwide including the United States

Worldwide excluding the United States

Worldwide including the United States

Worldwide excluding the United States

Ages 14 days to 64 years:
$50,000; $100,000; $500,000; $1,000,000
Ages 65 to 69 years old:
$50,000; $100,000
Ages 70 to 79 years old:
$50,000
Ages 80 years and older:
$10,000

Ages 14 days to 64 years:
$50,000; $100,000; $500,000; $1,000,000
Ages 65 to 69 years old:
$50,000; $100,000
Ages 70 to 79 years old:
$50,000
Ages 80 years and older:
$10,000

Ages 14 days to 64 years:
$50,000; $100,000; $500,000; $1,000,000
Ages 65 to 69 years old:
$50,000; $100,000
Ages 70 to 74 years old:
$50,000
Ages 75 years and older:
N/A

Ages 14 days to 64 years:
$50,000; $100,000; $500,000; 1,000,000; $2,000,000; $5,000,000
Ages 65 to 79 years old:
$50,000; $100,000
Ages 80 years and older: $10,000

Ages 14 days to 64 years:
$50,000; $100,000; $500,000; 1,000,000; $2,000,000; $5,000,000
Ages 65 to 79 years old:
$50,000; $100,000
Ages 80 years and older: $10,000

Ages 14 days to 64 years choose:
$50,000; $100,000; $500,000; 1,000,000; $2,000,000; $5,000,000
Ages 65 to 74 years old choose:
$50,000; $100,000

Ages 14 days to 64 years old:
$0; $100; $250; $500; $1,000; $2,500; $5,000
Ages 65 to 79 years old:
$0; $250; $500; $1,000; $2,500; $5,000
Ages 80 years and olde:
$0; $500; $1,000; $2,500; $5,000

Ages 14 days to 64 years old:
$0; $100; $250; $500; $1,000; $2,500; $5,000
Ages 65 to 79 years old:
$0; $250; $500; $1,000; $2,500; $5,000
Ages 80 years and older:
$0; $500; $1,000; $2,500; $5,000

Ages 14 days to 64 years old choose:
$0; $100; $250; $500; $1,000; $2,500; $5,000
Ages 65 to 74 years old choose:
$0; $250; $500; $1,000; $2,500; $5,000

Coinsurance Options
(The plan pays)

In United HealthCare PPO Network Inside the United States

In PPO Network
We pay 80% of the first $5,000,
then 100% to the medical maximum.

Out of PPO Network
We pay 70% of the first $5,000,
then 100% to the medical maximum.

In PPO Network
We pay 90% of the first $5,000,
then 100% to the medical maximum.

Out of PPO Network
We pay 80% of the first $5,000,
then 100% to the medical maximum.

In PPO Network
We pay 90% of the first $5,000,
then 100% to the medical maximum.

Out of PPO Network
We pay 80% of the first $5,000,
then 100% to the medical maximum.

Coinsurance Options
(The plan pays)
Outside the United States

We pay 100%.

We pay 100%.

We pay 100%.

MEDICAL

Usual, Reasonable and Customary (URC) to medical maximum

URC to medical maximum

URC to medical maximum

N/A

N/A

URC up to medical maximum or $100,000; whichever is less.

Emergency Room Services

URC to medical maximum
$100 copay

URC to medical maximum
$100 copay

URC to medical maximum
$100 copay

Urgent Care Visits

URC to medical maximum
$30 copay

URC to medical maximum
$20 copay

URC to medical maximum
$20 copay

URC up to medical maximum

URC up to medical maximum

URC up to medical maximum

Physiotherapy

N/A

$50 per visit, 10 visits maximum

$50 per visit, 10 visits maximum

Chiropractic Care

N/A

$50 per visit, 10 visits maximum

$50 per visit, 10 visits maximum

Local Ambulance Benefit
Inside the United States

$5,000

$10,000

$10,000

Local Ambulance Benefit
Outside the United States

Up to medical maximum

Up to medical maximum

Up to medical maximum

N/A

$150 per day, 30-day limit

$150 per day, 30-day limit

$5,000

$10,000

$10,000

$5,000

$10,000

$10,000

Ages 14 days to 64 years old:
$5,000
Ages 65 to 79 years old:
$2,500
Ages 80 years and older:
N/A

Ages 14 days to 64 years old:
$10,000
Ages 65 to 79 years old:
$5,000
Ages 80 years and older:
N/A

Ages 14 days to 64 years old:
$10,000
Ages 65 to 74 years old:
$5,000
Ages 75 years and older:
N/A

Ages 14 days to 64 years old:
$25,000
Ages 65 to 79 years old:
$5,000
Ages 80 years and older:
N/A

Ages 14 days to 64 years old:
$50,000
Ages 65 to 79 years old:
$10,000
Ages 80 years and older:
N/A

WITH A PRIMARY PLAN

Ages 14 days to 64 years old:
$50,000
Ages 65 to 74 years old:
$10,000
Ages 75 years and older:
N/A

DENTAL

$100

$200

$200

$250

$500

$500

VISION

N/A

$100 per occurrence
$50 copay

$100 per occurrence
$50 copay

EMERGENCY SERVICES AND ASSISTANCE
All emergency services except Natural Disaster Daily Benefit and Terrorist Activity must be coordinated by Seven Corners Assist.

$250,000
(separate from medical maximum)

$500,000
(separate from medical maximum)

$500,000
(separate from medical maximum)

$200 per day, 10-day limit
$25,000 maximum

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

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

$25,000

$50,000

$50,000

$25,000

$50,000

$50,000

$5,000

$5,000

$5,000

$25,000

$50,000

$50,000

$50 per day, 5-day limit

$100 per day, 5-day limit

$100 per day, 5-day limit

$10,000

$10,000

$10,000

$10,000

$25,000

$25,000

Included

Included

Included

AD&D

Primary Insured or Travel Companion
$10,000 Principal Sum
Eligible Dependent Child(ren)
$2,500 Principal Sum

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

Primary Insured or Travel Companion
$25,000 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 or Travel Companion
$25,000 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 or Travel Companion $20,000 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 or Travel Companion $50,000 Principal Sum
Eligible Dependent Child(ren)
$10,000 Principal Sum

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

Primary Insured or Travel Companion $50,000 Principal Sum
Eligible Dependent Child(ren)
$10,000 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

$50 per article, $500 per occurrence

$50 per article, $500 per occurrence

$2,500

$5,000

$5,000

N/A

$100 per day, 2-day limit per occurrence

$100 per day, 2-day limit per occurrence

N/A

$100

$100

N/A

$500

$500

$25,000

$50,000

$50,000

OPTIONAL COVERAGE

Up to medical maximum

Up to medical maximum

Up to medical maximum

How Liaison International Travel Medical 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 Travel Medical Plan?

Basic and Choice Travelers must be at least 14 days old to be covered by this plan. You may buy coverage for yourself, your legal spouse, domestic partner, or civil partner, your unmarried children under the age of 19, and your traveling companions.

Plus  Travelers must be at least 14 days old and under 75 years to be covered by this plan. You may buy coverage for yourself, your legal spouse, domestic partner, or civil partner, your unmarried children under the age of 19, and your traveling companions.

If you are traveling to the United States, you may not buy this plan if you have already received a Green Card/Permanent Resident Card for the United States.

Where Can I Travel?

You are covered when traveling outside of your home country.* United States citizens, including those with dual citizenship, cannot buy a Liaison Travel Medical plan for travel to the United States and U.S. territories.

*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.

United Healthcare

Through Seven Corners’ relationship with UnitedHealthcare, you have access to one of the largest networks in the United States.

  • 1.4M physicians
  • 6500 hospitals
  • 45,000 clinics
  • 67,000 pharmacies
  • 1,800 convenience clinics

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.

Length of Coverage

Coverage Length — Your coverage length may vary from 5 days to 364 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 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 and if maximum coverage amounts have been reached.

We will email you an extension (renewal) notice before your coverage expires, giving you the option to extend your plan. A $5 administrative fee is charged for each extension.


Good Faith Efforts

Seven Corners will make good faith efforts to provide the services and assistance described in this brochure. If Seven Corners is unable to do so due to circumstances beyond its control or due to circumstances that make it unsafe for persons to provide such services and assistance, then Seven Corners will provide the services and assistance to the extent reasonable and possible. If Seven Corners is unable to directly arrange services, expenses incurred by you for services that would otherwise be covered under this plan and that would typically be arranged by Seven Corners may be eligible for reimbursement and should be submitted for consideration. It is your responsibility to preserve all documentation of related financial transactions you wish to be considered for reimbursement.

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.

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 Medical 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 on international travel insurance?

Many travel insurance plans do not cover pre-existing conditions. Liaison Travel Medical covers them through the acute onset of a preexisting conditions benefit.

Coverage amounts vary by age and 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 either in the form of physician recommendations or symptoms and requires urgent care;
  • That occurs while you are covered, after the 72-hour (3-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 your home country 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 International Travel Medical Insurance Exlusions and Warnings

Exclusions

Refer to the plan document to view exclusions.

Geographic Restrictions

State Restrictions – We cannot sell to persons domiciled in Maryland, Washington, New York, South Dakota, and Colorado.

Country Restrictions – We cannot sell to persons domiciled in Cuba, Islamic Republic of Iran, Syrian Arab Republic, United States Virgin Islands, Gambia, Ghana, Nigeria, Sierra Leone, and Democratic People’s Republic of (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.

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.

UnitedHealthcare and the U logo are trademarks owned by UnitedHealth Group Incorporated which are registered in the U.S. and various other jurisdictions. Administrative services provided by UnitedHealthcare Services, Inc. or their affiliates. UnitedHealth Group and its affiliates does not and cannot guarantee clinical outcomes. Insurance coverage provided by Seven Corners.