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(866) INSUBUY 467-8289 Mon-Fri: 8 AM - 9 PM CST Sat-Sun: 8 AM - 5 PM CST

Liaison® International

TRAVEL MEDICAL INSURANCE

5 Days to 45 Days

How Liaison® International Insurance Works

First

You pay the deductible once per policy period, even for Dr. visits.

Then

Plan pays 80% of the next $5,000 of covered expenses, you pay 20%.

Thereafter

Plan pays 100% up to the selected policy maximum.

For outside the U.S. or Canada, click here.

Overview

Liaison® International is a comprehensive coverage plan for persons traveling outside their home country. You can obtain an instant quote and/or purchase online on this web site. The insurance coverage can start as early as the next day or any future date you specify. As soon as you make a purchase, you will receive a virtual id card in your email. Physical cards along with the policy will be mailed to you on the next business day. You should receive them in about five to seven business days within the United States.

What is covered and not covered?

Liaison® International will generally pay for new medical conditions, injuries or accidents that may occur after the effective date of the policy. It does not cover any expenses related to pre-existing conditions, preventive check ups, immunizations or maternity.

With the exception of providing $15,000 for the acute onset of a pre-existing condition for non-U.S. resident under age 70.

Prescription drugs are covered like any other eligible medical expenses.

Liaison® International does provide $100 of coverage for acute pain to sound and natural teeth (minimum 1 month purchase). For any practical dental coverage, consider a low cost plan from CAREINGTON that provides excellent coverage.

Liaison® International provides coverage anywhere outside of your home country including travel time as well. It also covers loss of checked luggage.

How do I use the insurance?

Please look at the detailed description.

How much is covered?

First, you will have to pay your chosen deductible once per policy period (varies from $0 to $2,500) before the insurance plan starts paying for covered expenses, even for doctor visits. You will need to continue to pay all the money yourself until you have completely satisfied the deductible. The deductible is not just for the hospitalization. There is no concept of co-pay.

After that, within PPO network, the plan pays 80% of the next $5,000 of covered expenses, you pay 20%. In other words, you will have to pay a maximum $1,000 out of your pocket towards 20% coinsurance. Then, the plan pays 100% up to the selected policy maximum, ranging from $50,000 to $1,000,000, depending upon your age.

Example:

Let's assume that you have purchased a $50,000 policy maximum with a $250 deductible for 45 days.

  • Let's assume that the doctor charges you $150/visit and you need to visit several times.

    The first time you visit the doctor, you will have to pay all of that $150 yourself. You still have $100 left towards the unsatisfied deductible.

    When you visit the doctor next time, he charges you $150, and you will have to pay $100 yourself. You have now completely satisfied your deductible once per policy period. There is now $50 remaining, the plan pays 80%, that is $40 and you pay 20%, that is $10.

    For any subsequent treatment (whether for the same condition or a different condition), you don't have to pay the deductible again. The insurance plan will continue to pay 80% for the first $5,000 of covered medical expenses, you pay 20% (that is maximum $1,000).

    After that, the insurance plan will pay 100% for covered medical expenses, up to $50,000.

  • Let's assume that you were in an accident and are hospitalized for 2 days. The hospital charges $12,000 per day for a total bill of $24,000. Assuming this is the first instance of your needing to use the insurance, you pay your $250 deductible plus $1,000 (20% of first $5,000) and the insurance plan will pay the rest.

    Even if you renew your insurance, you don't have to pay the deductible again.

Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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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.

Buy U.S. based visitors insurance and enjoy your trip.

Learn More

Traveling abroad?

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

Purchase travel medical insurance that includes emergency medical evacuation.

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New immigrant to USA?

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

Purchase new immigrant medical insurance to bridge the gap.

Learn More

Going on a vacation?

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

Buy a trip cancellation insurance package plan and be worry-free.

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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.

Buy J visa medical insurance to meet your requirements.

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Traveling to Europe?

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

Make an instant purchase online and get instant visa letter.

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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.

Purchase international student health insurance that meets most school requirements.

Learn More