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Liaison® International

5 Days to 45 Days

Acute Onset of a Pre-Existing Condition Coverage

Coverage for an acute onset of a pre-existing condition is covered as follows with the Liaison International Insurance plan.

  • Non US residents traveling inside the United States aged 69 and younger are covered up to $15,000 for an acute onset of a pre-existing condition and up to $25,000 for Emergency Medical Evacuation/Repatriation.
  • For people 70 and older, these benefits do not apply.

Conditions and Restrictions

Coverage is provided until the earliest of:

  • The condition is no longer acute; or,
  • You are discharged from the hospital.

This benefit covers one (1) acute episode per Pre-existing Condition. Treatment must be received within 24 hours of the sudden and unexpected outbreak of recurrence of a pre-existing condition. The expenses for an Acute Onset must be incurred in the United States and must be a result of an Acute Onset which occurs in the United States.

Acute Onset of a Pre-Existing Condition(s) shall mean a sudden and unexpected outbreak or recurrence of a Pre-existing Condition(s) which occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms, and requires urgent care. The Acute Onset of a Pre-existing Condition(s) must occur after the effective date of the policy. A Pre-existing Condition will not be considered an Acute Onset if during the 30 days prior to the acute event You had a change in prescription or treatment for a diagnosis related to the acute event.

Pre-existing conditions that are congenital or gradually worsen over time are not considered Acute Onset and are therefore not covered. There is no coverage for known, required or expected treatment existent or necessary prior to your coverage effective date or if you had a prescription or treatment change for a diagnosis related to the acute event 30 days before the onset. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or Treatments existent or necessary prior to arrival in the United States and prior to the Effective Date of coverage.

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Why purchase insurance from Insubuy®?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy® and no disadvantages.

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Visiting USA?

Healthcare costs are very high in the U.S.

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Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

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New immigrant to USA?

You would not be eligible to enroll in Medicare for the first 5 years.

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Going on a vacation?

You could lose your non-refundable trip costs if you had to cancel your trip.

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Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

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Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

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Traveling frequently throughout the year?

You don’t need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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International student in the U.S.?

Most schools require international students to purchase health insurance.

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