Liaison® Travel Medical Insurance for International Travelers For Residents of Colorado, Maryland, and South Dakota

How Travel Medical Insurance Works

LENGTH OF COVERAGE

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

When Coverage For Your Trip Begins – Coverage Effective Date — Coverage begins when You depart on the first Travel Arrangement (or alternate travel arrangement if You must use an alternate travel arrangement to reach Your Trip destination) for Your Trip. This is Your “Effective Date” and time for all coverages.

Termination Date — Your coverage automatically ends on the earliest of the following: 1) The date your trip is completed; 2) Your scheduled return date (the date you are originally scheduled to return to the point of origin or the original final destination of your trip); 3) Your arrival at your return destination on a round-trip or your destination on a one-way trip.

Period of Coverage — This is the time you are covered by this plan from your effective date until your termination date. Only covered expenses incurred during your trip will be reimbursed. Expenses incurred after your trip are not covered.

EXTENDING YOUR COVERAGE

If you initially buy less than 180 days of coverage, you may buy additional time, to a total of 180 days. Your original effective date is used to calculate your deductible and coinsurance and to determine pre-existing conditions.

We will email you a renewal notice before your coverage expires, giving you the option to extend your plan.

If you need coverage beyond 180 days, you may buy a new plan. For the new plan, review for coinsurance, deductible, and pre-existing conditions will be based on the effective date of the new plan.

SCHENGEN VISA

Do you need a Schengen visa for travel to Europe? Choose Liaison Travel Economy, Liaison Travel Choice, or Liaison Travel Elite and select a $0 deductible to be certain you meet minimum requirements. Members who are 80 years and older will not meet the minimum requirements for a Schengen visa on the Liaison Travel Series plans. Contact your sales agent for the best option.

RECREATIONAL AND LEISURE ACTIVITIES

Typical vacation activities may be covered in all three Liaison plans if they are not specifically excluded. Review the General Exclusions and Limitations for a list of activities and sports that are not covered.

REFUND OF PREMIUM/CANCELLATION

We will refund your plan payment in full if we receive your written request for a refund before your departure date. We will not permit refunds after the effective date of the plan.

EXCESS INSURANCE LIMITATION

The insurance provided by this plan is in excess of all other valid and collectible Insurance or indemnity. If at the time of the occurrence of any loss there is other valid and collectible insurance or indemnity in place, the company is liable only for the excess of the amount of loss, over the amount of such other insurance or indemnity, and applicable deductible. Recovery of losses from other parties does not result in a refund of premium paid.

PRE-EXISTING CONDITIONS

Pre-existing conditions are excluded by the plan unless you meet the requirements below for a waiver of the pre-existing conditions exclusion. Coverage is provided up to the Accident & Sickness Medical Limit you chose if you meet the requirements for the waiver.

What is a Pre-existing Condition?

It is an illness, disease, or other condition you had within the 60 days before this plan began, if one or both of these occurred during those 60 days:

1. A test, exam, or treatment was received or recommended for a condition that first manifested, worsened or became acute or exhibited symptoms that would have prompted a reasonable person to seek treatment
   OR
2. Prescription medication was received or taken for the condition.

Important: If you took prescription medication, and your condition was controlled solely by that medication without any medication change for 60 days before the plan began, your condition is not considered a pre-existing condition.

What are the requirements for a Waiver of the Pre-existing Conditions Exclusion?

The exclusion for Pre-existing Conditions will be waived if you are not disabled from travel at the time you pay for this plan.

UNDERWRITER

Insurance Benefits are Underwritten by: United States Fire Insurance Company, 5 Christopher Way, 2nd Floor, Eatontown, NJ 07724 under Policy Form Series T210 et. al. Non-Insurance Travel Assistance Services: These are not insurance benefits underwritten by United States Fire Insurance Company. 

ABOUT YOUR INSURANCE COMPANY 

General Exclusions and Limitations

Insurance benefits are not payable for any loss due to, arising or resulting from:

• Suicide, attempted suicide or any intentionally self-inflicted injury of You, a Traveling Companion, Family Member or Business Partner booked to travel with You, while sane or insane;
• An act of declared or undeclared war;
• Participating in maneuvers or training exercises of an armed service, except while participating in weekend or summer training for the reserve forces of the United States, including the National Guard;
• Riding or driving in races, or speed or endurance competitions or events;
• Mountaineering (engaging in the sport of scaling mountains generally requiring the use of picks, ropes, or other special equipment);
• Participating as a member of a team in an organized sporting competition or participating as a professional in a stunt, athletic or sporting event or competition;
• Participating in bodily contact sports, skydiving or parachuting, hang gliding, bungee cord jumping, extreme skiing, skiing outside marked trails or heli-skiing, mountaineering, any race, speed contests, spelunking or caving, hot air ballooning, or scuba diving if the depth exceeds 120 feet (40 meters) or if You are not certified to dive and a dive master is not present during the dive;
• Piloting or learning to pilot or acting as a member of the crew of any aircraft;
• Being Intoxicated as defined herein, or under the influence of any controlled substance unless as administered or prescribed by a Legally Qualified Physician;
• The commission of or attempt to commit a felony or being engaged in an illegal occupation;
• Normal childbirth or pregnancy (except Complications of Pregnancy) or voluntarily induced abortion;
• Dental treatment (except as coverage is otherwise specifically provided herein);
• Amounts which exceed the Maximum Benefit Amount for each coverage as shown in the Schedule of Benefits;
• Due to a Pre-Existing Condition, as defined in the Policy. The Pre-Existing Condition Limitation does not apply to the Emergency Medical Evacuation or return of remains coverage;
• Any amount paid or payable under any Worker’s Compensation, Disability Benefit or similar law;
• A loss or damage caused by detention, confiscation or destruction by customs;
• Elective Treatment and Procedures;
• Complications from Elective Treatment and Procedures otherwise not payable under this Policy;
• Medical treatment during or arising from a Trip undertaken for the purpose or intent of securing medical treatment;
• Business, contractual or educational obligations of You, a Family Member, Business Partner, or Traveling Companion;
• A mental or nervous condition, unless hospitalized or Partially Hospitalized for that condition while the Policy is in effect for You;
• A loss that results from a Sickness, Injury, disease or other condition, event or circumstance which occurs at a time when the Policy is not in effect for You;
• Due to loss or damage (including death or injury) and any associated cost or expense resulting directly from the discharge, explosion or use of any device, weapon or material employing or involving chemical, biological, radiological or similar agents, whether in time of peace or war, and regardless of who commits the act and regardless of any other sequence thereto.
• Diving while in an abnormal state of which You were aware and/or due to which You were disqualified or not entitled to engage in Diving;
• Diving as a professional diver other than as a Diving instructor, Dive master, underwater photographer, or while performing research under the auspices and following the guidelines of the American Academy of Underwater Sciences (AAUS);
• Diving in an area where Diving is forbidden.
• An assessment from a Legally Qualified Physician advising You in writing that You, a Traveling Companion, Family Member or Business Partner booked to travel with You are not Medically Fit to Travel, as defined in the Policy, at the time of purchase of Coverage for a Trip.
• Your arrival into a country for which a formal recommendation in the form of a Travel Advisory or Travel Warning from the U.S. State Department has been issued preceding Your arrival into that country on Your Trip, or if a country is an Excluded Country preceding Your arrival into that country on Your Trip.

Medically Fit to Travel Exclusion

The Company will not pay any expense as a result of You having been advised in writing that You, a Traveling Companion, Family Member or Business Partner booked to travel with You are not Medically Fit to Travel, as defined in the Policy, at the time of purchase of Coverage for a Trip. If Coverage for a Trip is purchased and it is later determined that You, a Traveling Companion, Family Member or Business Partner booked to travel with You were not Medically Fit to Travel, as defined in the Policy, at the time of purchase of Coverage for a Trip, the Coverage is void and premium paid will be returned.

Warnings

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

Disclaimer: Benefits on this website are described on a general basis only. There are certain restrictions, exclusions and limitations that apply to all insurance coverages under the Plan. Full coverage terms and details, including insurance limitations and exclusions, are contained in the Plan Document. Plan benefits, limits and provisions may or may not be available in all states or may vary based on state of residence.
The travel protection plans consist of Insurance Benefits and Non-Insurance Travel Assistance Services. Individuals looking to obtain additional information regarding the features and pricing of each travel plan component, please contact Seven Corners.
Insurance Benefits are Underwritten by: United States Fire Insurance Company, 5 Christopher Way, 2nd Floor, Eatontown, NJ 07724 under Policy Form Series T210 et. al. Non-Insurance Travel Assistance Services: These are not insurance benefits underwritten by United States Fire Insurance Company. The 24-hour non-insurance assistance services are provided by Seven Corners, Inc.
Plan Administrator: Claims are administered by Seven Corners, Inc.

File a Claim

Send your itemized bill to Seven Corners, along with a completed claim form. You are responsible for any non-eligible expenses.