Medical Travel Insurance with Coronavirus 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.
PLAN OPTIONS
Coverage Length
Extension of Coverage
Extendable for a total of up to 364 days.
Coverage Area
Worldwide including the United States
Worldwide excluding the United States
Medical Maximum Options
Worldwide Including the United States
Ages 14 days to 64 years choose:
$50,000; $100,000; $500,000; $1,000,000
Ages 65 to 69 years old choose:
$50,000; $100,000
Ages 70 to 74 years old:
$50,000
Ages 75 years and older:
See Liaison Travel Medical for travel health insurance.
We cover injuries and illnesses which occur during your period of coverage. Benefits are paid in excess of your deductible, copays and coinsurance up to your medical maximum.
Initial treatment must occur within 30 days of the date
of injury or onset of illness.
Medical Maximum Options
Worldwide Excluding the United States
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
We cover injuries and illnesses which occur during your period of coverage. Benefits are paid in excess of your deductible, copays and coinsurance up to your medical maximum.
Initial treatment must occur within 30 days of the date
of injury or onset of illness.
Deductible Options (You pay)
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:
$250; $500; $1,000; $2,500; $5,000
The deductible is the amount you are responsible for paying. It applies per coverage period.
Coinsurance Options (The plan pays)
Inside the United States
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
MEDICAL
Hospital Room & Board, Inpatient Hospital Services, Outpatient Hospital / Clinical Services, Doctor’s Office Visits, Prescription Drugs, Home Health Care, Extended Care Facility
URC means Usual, Reasonable, and Customary. It is the maximum amount we will pay for covered expenses based on several factors. See the definition in the plan document for more details.
COVID-19 Treatment
URC up to Medical Maximum or $100,000; whichever is less.
COVID-19 Medical Treatment — The plan covers medically necessary treatment for:
- COVID-19 (the disease);
- SARS-Cov-2 (the virus); and
- Any mutation or variation of SARS-CoV-2.
Travel assistance services, including Emergency Medical Evacuation and Repatriation, Emergency Medical Reunion, Return of Children, Return of Mortal Remains, and Local Burial or Cremation apply if you contract COVID-19 while covered
by this plan. See the description of those services for details explaining how they work.
Emergency Room Services
URC to medical maximum
$100 copay
Urgent Care Visits
URC to medical maximum
$20 copay
Physiotherapy
$50 per visit, 10 visits maximum
Chiropractic Care
$50 per visit, 10 visits maximum
Local Ambulance Benefit
Inside the United States
Local Ambulance Benefit
Outside the United States
Hospital Indemnity
Outside the United States
$150 per day, 30-day limit
If you are hospitalized while traveling outside of the United States, we will pay you for each night you spend in the hospital, up to 30 days. This benefit is in addition to other covered expenses, and you may use these incidental
funds as you wish.
Coma
$25,000
(separate from the medical maximum)
This coverage can pay benefits if you become comatose due to an accident.
Felonious Assault
$10,000
(separate from the medical maximum)
This can pay benefits if you are injured as the result of a felonious assault while traveling.
Extension of Benefits to Home Country
This can cover expenses incurred in your home country (including those following an emergency medical evacuation or repatriation), for conditions first diagnosed and treated outside your home country if you seek treatment within 180
days of the injury or illness. There is no coverage for pre-existing conditions.
Incidental Trips to Home Country
This can cover an illness or injury that occurs on an incidental trip to your home country. You receive five days of coverage for each month of coverage you purchased, up to 60 days. There is no coverage if the illness or injury occurs while you are outside your home country, and there is no coverage for pre-existing conditions. Coverage is available if your period of coverage is greater than 30 days.
Pre-certification 25% penalty — Required inside the United States for specific types of treatment. Penalty does not apply to emergencies.
The following expenses must always be pre-certified in the United States:
- Outpatient surgeries or procedures;
- Inpatient surgeries, procedures, or stays including those for rehabilitation;
- Diagnostic procedures including MRI, MRA, CT, and PET Scans;
- Chemotherapy;
- Radiation therapy;
- Physiotherapy;
- Home infusion therapy; or
- Home Health Care.
To comply with the pre-certification requirements, you must:
- Contact Seven Corners Assist before the expense is incurred;
- Comply with Seven Corners Assist’s instructions;
- 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:
- Eligible medical expenses will be reduced by 25%; and
- The deductible will be subtracted from the remaining 75%; and
- Coinsurance will be applied.
Pre-certification does not guarantee coverage, payment, or reimbursement.
Contact information for Seven Corners Assist is provided on your ID card.
Acute Onset of Pre-existing Conditions
Worldwide Including the United States
Ages 14 days to 64 years old: $10,000
Ages 65 to 74 years old: $5,000
Many travel insurance plans do not cover pre-existing conditions. Liaison Plus Travel Medical covers them through the acute onset of pre-existing conditions benefit.
An acute onset of a pre-existing condition 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.
See the Pre-existing Condition tab of this web page to learn more.
Acute Onset of Pre-existing Conditions
Worldwide Excluding the United States
Ages 14 days to 64 years old: $50,000
Ages 65 to 74 years old: $10,000
Many travel insurance plans do not cover pre-existing conditions. Liaison Plus Travel Medical covers them through the acute onset of pre-existing conditions benefit.
An acute onset of a pre-existing condition 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.
See the Pre-existing Condition tab of this web page to learn more.
DENTAL
Dental — Sudden Relief of Pain
The plan can pay for emergency treatment for the relief of pain to sound natural teeth. Coverage is available if your period of coverage is greater than 30 days.
Dental Emergency — Accident
The plan can pay for emergency treatment to repair or replace sound natural teeth damaged because of an accidental injury caused by external contact with a foreign object. You are not covered if you break a tooth while eating or biting
into a foreign object.
VISION
Emergency Eye Exam
$100 per occurrence
$50 copay
The plan can pay for an emergency eye exam if required to obtain a prescription for replacement corrective lenses if your prescription lenses are lost or damaged to due a covered accident. There is no coverage for the cost of the lenses
or for contact lenses. Coverage is available if your period of coverage is greater than 30 days.
EMERGENCY SERVICES AND ASSISTANCE
All emergency services except Natural Disaster Daily Benefit and Terrorist Activity must be coordinated by Seven Corners Assist.
Emergency Medical
Evacuation & Repatriation
$500,000
(separate from medical maximum)
If medically necessary, we will arrange and pay for transportation and related medical expenses during transportation to:
- Transport you to the nearest adequate medical facilities.
- Transport you to your home country for treatment or to recover after an emergency medical evacuation.
This benefit applies regardless of whether your hospitalization is related to a pre-existing condition. These benefits must be arranged by Seven Corners Assist. Failure to use Seven Corners Assist may result in the denial of benefits. Emergency Medical Reunion
$200 per day, 10-day limit
$50,000 maximum
If your physician recommends it, we will pay and arrange for one person of your choice to travel to the hospital where you are located when an emergency medical evacuation is occurring or has occurred or when an emergency medical repatriation
is to occur.
These benefits must be arranged by Seven Corners Assist. Failure to use Seven Corners Assist may result in the denial of benefits.
If you are traveling alone with children and are hospitalized because of a covered illness or injury, we will arrange and pay for:
- One-way economy airfare to return the children to their home country; and
- Attendant/escort services to ensure the children’s safety.
These benefits must be arranged by Seven Corners Assist. Failure to use Seven Corners Assist may result in the denial of benefits.
We can pay reasonable expenses for embalming, a minimally-necessary container for transportation, shipping costs, and government authorizations to return your remains to your home country if you die while outside your home country.
You cannot use this benefit if you use the Local Cremation or Burial benefit.
These benefits must be arranged by Seven Corners Assist. Failure to use Seven Corners Assist may result in the denial of benefits.
Local Cremation or Burial
This benefit can pay reasonable expenses for the preparation and either your local burial or cremation if you die while outside your home country. You cannot use this benefit if you use the Return of Mortal Remains benefit.
These benefits must be arranged by Seven Corners Assist. Failure to use Seven Corners Assist may result in the denial of benefits.
Natural Disaster Evacuation
If you need an emergency evacuation due to a natural disaster, we will arrange and pay for:
- Your natural disaster evacuation;
- Lodging for five days if you are delayed at the safe location; and
- Your return home by means of one-way economy class airfare. Seven Corners security personnel will determine the need for this evacuation in consultation with local governments and security analysts.
This benefit does not apply when you are in the U.S. and if the natural disaster precedes your
arrival at the affected location. See plan
document for additional details. These benefits must be arranged by Seven Corners Assist. Failure to use Seven Corners Assist may result in the denial of benefits.
Natural Disaster Daily Benefit
$100 per day, 5-day limit
We can reimburse you for replacement accommodations for up to five days if you are displaced from planned, paid accommodations due to an evacuation from a forecasted natural disaster or following a natural disaster. You must provide
proof of payment for the accommodations from which you were displaced.
Political Evacuation & Repatriation
We can arrange and pay for your political evacuation and/or return to your home country via one-way economy airfare if:
- A formal recommendation is made for you to leave your host country; or
- You are expelled or declared persona non-grata by the host country.
This benefit will not apply if you did not follow a Level 3 Terrorism, Level 3 Civil Unrest, or any Level 4 Travel Advisory from the U.S. Department of State or similar warnings from authorities of your host country or home country.
These benefits must be arranged by Seven Corners Assist. Failure to use Seven Corners Assist may result in the denial of benefits.
If you are injured as a result of terrorist activity, we will reimburse you for medical expenses if the following conditions are met:
- You have no direct or indirect involvement.
- The terrorist activity is not in a country or location where the U.S. government issued a Level 3 Terrorism, Level 3 Civil Unrest, or any Level 4 Travel Advisory or the authorities of your host country or home country issued similar
warnings, any of which were in effect within six months of your arrival.
- You departed the country or location following the date a warning to leave was issued by the U.S. government or appropriate authorities of your host country or home country.
24/7 Travel Assistance Services
Seven Corners has a 24/7 multilingual team available to help with travel emergencies and general assistance including medical evacuations, escorts for unaccompanied children, medical record transfers and second opinions, and help locating
medical care. They can also help provide interpreter referrals, help with passport recovery, hotel and flight re-bookings, and many other services.
AD&D
Accidental Death and Dismemberment (AD&D)
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)
This can pay benefits for death, loss of limbs, quadriplegia, paraplegia, hemiplegia, and uniplegia due to an accident occurring while on your trip. If benefits are payable under Common Carrier Accidental Death, this benefit will not
be paid.
Common Carrier Accidental Death
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)
This can pay benefits for death due to an accident that occurred while riding as a passenger on a common carrier (any public air conveyance operating under a valid license to transport passengers for hire).
OTHER TRAVEL BENEFITS
Trip Interruption must be coordinated by Seven Corners Assist.
Loss of Checked Baggage
$50 per article, $500 per occurrence
This benefit can reimburse you for lost bags and personal items owned by you and checked with a common carrier, if you took reasonable measures to protect, save, and recover the property.
This benefit can reimburse you for the cost of economy travel to your home if you cannot continue your trip due to the death of a parent, spouse, sibling or child or due to serious damage to your principal residence from fire or natural
disaster. See the plan document for the definition of a natural disaster.
These benefits must be arranged by Seven Corners Assist. Failure to use Seven Corners Assist may result in the denial of benefits.
Travel Delay
$100 per day, 2-day limit per occurrence
This benefit can reimburse you for accommodations, meals, and local transportation if you are delayed by your common carrier more than 12 hours while outside your home country, if the delay results in an unplanned overnight stay.
Lost or Stolen Travel Documents
This benefit can reimburse you for fees for replacement of your passport, visas and other travel documents if they are lost, stolen, damaged or destroyed during your covered trip.
Border Entry Protection For Non-United State Residents
traveling to the United States
If you are traveling on a Visitor Visa B-2 and are denied entry to the U.S. at the border, this benefit can reimburse you for the cost of either:
- An economy one-way ticket (air, land, or sea) to your country of origin; or
- A common carrier change fee to travel to your country of origin.
We will pay for eligible court-entered judgments or settlements approved by Seven Corners that are related to the personal liability you incur for acts, omissions, and other occurrences for losses or damages caused by your negligent
acts or omissions that result in:
- Injury to a third person;
- Damage or loss to a third person’s personal property;
- damage or loss to a relative's personal property.
OPTIONAL COVERAGE
Hazardous Sports You must select this option during the purchase process to receive this optional benefit.
We cover typical vacation activities. If you plan to participate in more adventurous activities when you travel, consider buying this optional coverage that includes:
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.
BENEFIT PERIOD
Benefit Period
This is the amount of time (180 days) you have from the date of your injury or 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 to your home country, there is limited coverage under Extension of Benefits in Home Country.
How Medical Travel Insurance for Coronavirus 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 Plus Plan?
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.
Where Can I Travel?
You are covered when traveling outside of your home country.* United States citizens cannot buy a Liaison Travel Plus 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.
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:
- 12 a.m. the day after we receive your application and correct payment;
- The moment you depart your home country;
- 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:
- The moment you return to your home (except for coverage through Incidental Trips to Home Country and Extension of Benefits in Home Country);
- 11:59 p.m. on the date you reach the maximum period of coverage;
- 11:59 p.m. on the date shown on your ID card;
- 11:59 p.m. on the date that is the end of the period for which you paid; or
- The moment you are no longer eligible for coverage.
All times above refer to United States Eastern Time. Extending Your Travel Medical Coverage
Liaison Travel Plus— 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
Liaison Travel Plus has strong financial backing through Certain Underwriters at Lloyd’s, London1 an established organization with an AM Best rating of A (Excellent). Rest assured, 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 Liaison Travel Plus
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 Plus 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:
- The condition is chronic, congenital, or gradually becomes worse over time; or
- 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:
- The condition no longer being acute; or
- 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 Travel Plus Plan Exclusions
- Pre-Existing Condition(s) except as waived under Acute Onset of Pre-exisiting Condition(s) and Emergency Medical Evacuation and Repatriation, Emergency Medical Reunion, Return of Child(ren), Return of Mortal Remains, 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) 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;
- 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 under Hazardous Activities coverage in the plan document;
- 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 in the Terrorist Activity benefit; 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;
- 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.
The exclusions above apply to these benefits: Medical Covered Expenses, Local Ambulance, Hospital Daily Indemnity, Coma, Extension of Benefits in Home Country, Incidental Trips to Home Country, COVID-19 Treatment, Dental Emergency
— Sudden Relief of Pain, Dental Emergency — Accident, Emergency Eye Exam, Emergency Medical Evacuation and Repatriation, Emergency Medical Reunion, Return of Child(ren), Return of Mortal Remains, Local Burial or Cremation, Natural
Disaster Evacuation and Repatriation, Political Evacuation and Repatriation, Accidental Death and Dismemberment (AD&D), Common Carrier Accidental Death and Dismemberment, Trip Interruption, Travel Delay, and Optional Coverage — Hazardous
Activities. These exclusions exclude expenses that are for, resulting from, related to, or incurred for those exclusions listed above.
Liaison Travel Plus Plan 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, 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 Travel Plus Claim
For a claim to be payable, it must meet the terms and conditions in the Liaison Travel Plus 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:
- 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.
- 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.
- 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. - 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?)
- Medical Claim: English, Français,
Español, Português,
中文, 한국어
- Baggage Claim
- Missed Connection, Baggage Delay,
Change fee for CO, NY, MD, SD
- 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.