Liaison® Student Travel Medical Insurance
Specialized travel medical insurance plans for students, faculty, scholars, and their families.
Your Agent
Seven Corners, Inc. Online
Our international student medical insurance meets the travel insurance requirements for most visa and work/study abroad programs.
Designed for students and faculty, Liaison Student provides customizable coverage to protect you while you’re away from your home country.
Provides worldwide protection including the USA:
Coverage up to $1,000,000
Choose our Plus plan for COVID-19 coverage if you become sick while traveling.
You can buy Liaison Student Health Insurance for yourself and your dependents if you are:
- A full-time student, faculty member, or scholar;
- Involved in full-time educational or research activities;
- Traveling outside your home country (the country of your permanent residence); and
- At least 12 years old and younger than 65 years of age.
Student Health Insurance Travelers
- U.S. citizens traveling outside the USA: You must have a valid visa if required. U.S. citizens, including those with dual citizenship, cannot buy this plan to travel to the USA or U.S. territories.
- Non-U.S. citizens traveling to the USA: You must have a valid J-1, H-3, F-1, M-1 or Q-1 or similar visa or participate in an OPT program.
- Non-U.S. citizens traveling outside the USA: You must have a valid visa if required.
If you have a J visa, you need a student insurance plan that meets J visa insurance requirements. Good news! All of our student insurance plans meet J visa requirements if you choose a medical maximum of $100,000 or more and a deductible that is not greater than $500.
Liaison Student Medical Insurance Benefits
Meets Essential Requirements
Liaison® Student Basic
Covers up to 10 travelers.
Highest level of coverage
Liaison® Student Plus
Covers up to 10 travelers and offers easy purchase option for 10 or more travelers.
Includes COVID-19 Coverage
Worldwide excluding the United States
Worldwide excluding the United States
This is the amount of time you have from the date of your injury or illness to receive treatment, and it is the same as your period of coverage. After your coverage ends on your expiration date, your treatment is no longer covered.
This is the amount payable per insured person for the total length of time you have coverage, including all extensions of coverage that you buy. It is the overall limit for all occurrences (injuries and illnesses).
(per person, per occurrence)
You select the dollar amount for this limit. It is the limit for each injury or illness (occurrence) that occurs during your period of coverage. Benefits are paid up to the medical maximum after you pay your deductible, copays, and coinsurance. Occurrence is an illness or injury and includes all bodily disorders due to the same or related causes.
The initial treatment of an injury or illness must occur within 30 days of the date of injury or onset of illness.
(You pay)(per person per occurance)
Your deductible is applied per injury or illness (occurrence). Occurrence is an illness or injury and includes all bodily disorders due to the same or related causes.
Inside the United States
(The plan pays per insured person per period of coverage.)
Outside the United States
(The plan pays per insured person per period of coverage.)
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 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.
$200 copay
$100 copay
$15 copay
$10 copay
$50 copay
$25 copay
This includes long-distance or remote (i) health-related services and information, (ii)treatment of injury or illness, or (iii) other live consultations, each of which involves an insured person and a physician or nurse practitioner at different locations using telecommunications technologies including internet, phone, video, audio, and computers.
$15 copay
$10 copay
Copay is a stated amount you pay for a service in addition to your deductible.
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; or
- Home infusion therapy.
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:
- Covered 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.
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 your benefit period. You receive approximately five days of coverage for each month of coverage purchased, up to 60 days per 364 days of coverage. There is no coverage for pre-existing conditions, and there is no coverage if the illness or injury began while you were in your home country.
This can cover an illness or injury that occurs on an incidental trip to your home country. You receive approximately five days of coverage for each month of coverage purchased, up to 60 days per 364 days of coverage. There is no coverage: 1) If the illness or injury occurred while you were outside your home country or 2) For pre-existing conditions. Coverage is available if your period of coverage is greater than 30 days.
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 during your initial 364 days of coverage (Liaison Student Plus); that occurs during your coverage period (Liaison Student Basic); 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.
Liaison Student Plus — After you have been continuously covered for 364 days, we waive the pre-existing condition exclusion so that pre-existing conditions are covered the same as other conditions subject to applicable copay, deductible, and coinsurance.
Inside the United States
Outside the United States
Medical expenses can be covered if you are injured while participating in these non-contact amateur sports: high school, interscholastic, intercollegiate, intramural or club sports exclusive to the following list of covered sports: tennis, squash, ultimate frisbee, kickball, volleyball, track & field, water-polo, baseball, basketball, aerobics, dancing, sailing, sea kayaking/canoeing, horseback riding, surfing, snow skiing, snowboarding, roller skating, rollerblading, and swimming.
Inside the United States
Failure to notify Seven Corners within first 90 days of pregnancy will result in 25% reduction in covered expenses.
This benefit is not available on Liaison Student Basic. The benefit applies for the primary participant or plan participant spouse only. Pregnancies are not covered unless conception occurs at least 180 days after the effective date of coverage. Also, there is a 25% reduction in benefits if you do not notify Seven Corners within 90 days of the pregnancy.
Outside the United States
Failure to notify Seven Corners within first 90 days of pregnancy will result in 25% reduction in covered expenses.
This benefit is not available on Liaison Student Basic. The benefit applies for the primary participant or plan participant spouse only. Pregnancies are not covered unless conception occurs at least 180 days after the effective date of coverage. Also, there is a 25% reduction in benefits if you do not notify Seven Corners within 90 days of the pregnancy.
Newborns who are born as a result of a covered pregnancy are automatically covered by the plan for the first 30 days of life. You must add them to the plan no later than the 31st day of life.
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.
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.
All emergency services except Natural Disaster Daily Benefit and Terrorist Activity must be coordinated by Seven Corners Assist. Failure to utilize Seven Corners Assist may result in a denial of benefits.
(separate from medical maximum)
(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.
$15,000 maximum
$25,000 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 will 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. This benefit applies regardless of whether your death is related to a pre-existing condition. This benefit 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 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. This benefit applies regardless of whether your death is related to a pre-existing condition. This benefit must be arranged by Seven Corners Assist. Failure to use Seven Corners Assist may result in the denial of benefits.
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.
These benefits must be arranged by Seven Corners Assist. Failure to use Seven Corners Assist may result in the denial of benefits.
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.
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.
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.
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.
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.
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, motor scooter or electric scooter riding whether as a passenger or a driver; parachuting; paragliding; 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, electric 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.
Frequently asked questions
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How this plan 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 the plan. We recommend you read it, so you understand how your plan works. Refer to the plan document for applicable exclusions.
Requirements for the primary participant — The person listed first on the plan (primary participant) must be a full-time student, faculty member, or scholar between 12 and 64 years of age, who is engaged in full-time educational or research activities while residing outside their home country.* They must also meet these requirements:
- U.S. citizens traveling outside the United States — You must have a current passport and valid visa issued by your host country, if required. U.S. citizens, including those with dual citizenship, cannot buy a Liaison Student plan for travel to the United States and/or U.S. territories.
- Non-U.S. citizens traveling to the United States — You are required to have a valid J-1, H-3, F-1, M-1 or Q-1 visa or similar appropriate visa and may participate in an OPT program.
- Non-U.S. citizens traveling outside the United States — You must have a valid visa issued by your host country, if required.
Requirements for dependents — The primary participant can buy coverage for their legal spouse, legal domestic partner, or legal civil partner, and unmarried children at least 14 days old and under 19 years or under 26 years if attending an accredited institution full-time and/or dependent on the primary participant for maintenance and support.
State Restrictions — We cannot sell to persons who are a resident of Maryland, Washington, New York, South Dakota, and Colorado.
Country Restrictions — We cannot sell to persons who are a resident of Australia, Canada, Cuba, Democratic People’s Republic of Korea (North Korea), Islamic Republic of Iran, Gambia, Ghana, Nigeria, Russian Federation, Sierra Leone, Switzerland, Syrian Arab Republic, and United States Virgin Islands.
*What is my home country? For non-U.S. citizens, home country is the country where you have your permanent residence. For U.S. citizens, home country is always the United States.
Important: Green Card/Permanent Resident cardholders cannot buy this plan for travel to the United States and U.S. territories.
You are covered for worldwide trips that if you are traveling outside of your home country, which is the country where you have your permanent residence.
Destination Restrictions – We cannot cover trips to Antarctica, Cuba, Democratic People’s Republic of Korea (North Korea), Islamic Republic of Iran, Russian Federation, and Syrian Arab Republic.
You can buy up to 364 days of coverage and extend it as long as the primary participant is eligible for the plan. We will email you an extension (renewal) notice before coverage ends. There is a $5 fee for each extension.
Your coverage begins on your effective date, which is 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.
Coverage for a newborn child of a primary participant or plan participant spouse begins from the moment of birth. You must notify us within 30 days of the child’s birth and pay the plan cost for benefits to extend beyond the 30th day.
Coverage for adopted children of a primary participant or plan participant spouse begins from the date of placement in the home for the purpose of adoption or the date of an interim court order for temporary custody, whichever is first.
All times above refer to United States Eastern Time.
Your coverage ends on your expiration date, 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 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.
It provides secondary coverage. All coverages except Common Carrier 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.
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.
You can find situations and items not covered by this plan in the exclusions section of the plan document.
You can feel confident with Liaison Student’s strong financial backing through Certain Underwriters at Lloyd’s, London an established organization with an AM Best rating of A (Excellent). Your coverage will be there when you need it.
Seven Corners will handle your 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.
Medical Benefits and Coverage
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.
Through Seven Corners’ relationship with UnitedHealthcare, you have access to one of the largest networks in the United States.
- 1.4M physicians
- 6,500 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.
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 related consequences or resulting 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 the plan.
- Liaison Student Basic covers them through Acute Onset of Pre-existing Conditions.
- Liaison Student Plus covers them through two benefits: Acute Onset of Pre-existing Conditions and Waiver of Pre-existing Conditions.
Coverage amounts vary by plan. See the schedule of benefits for details.
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 during your initial 364 days of coverage (Liaison Student Plus); that occurs during your coverage period (Liaison Student Basic); 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 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.
This benefit applies only to Liaison Student Plus.
After you have been continuously covered for 364 days, we waive the pre-existing condition exclusion so that pre-existing conditions are covered the same as other conditions subject to applicable copay, deductible, and coinsurance.
PPACA – Patient Protection and Affordable Care Act
The insurance provided is not subject to, is not intended to comply with, and does not provide all benefits required by PPACA. This insurance is not qualifying health coverage (“minimum essential coverage”) that satisfies the health care coverage requirement of PPACA. If an insured person does not have minimum essential coverage, he or she may owe an additional payment with his or her taxes. Insured persons are responsible for determining if and how PPACA is applicable to him or her and should consult his or her own tax advisors. Neither the company nor the administrator shall have liability whatsoever for an insured person’s failure to obtain PPACA-compliant coverage.
Good Faith Efforts
Seven Corners will make good faith efforts to provide the services and assistance described on this web page. 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.
Brochure
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 of the plan document will prevail. Benefits and plan costs 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; it is an interim travel medical program intended for use while away from your home country or country of residence.
It is your responsibility to maintain all records regarding travel history and age and provide necessary documents to Seven Corners to verify eligibility requirements.
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.
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.
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.
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