Insubuy Insurance

8 AM-9 PM CST. Mon-Fri
8 AM-5 PM CST. Sat-Sun

Liaison International Visitors Insurance

Please use this high level information as a guide only and do not make any decisions solely based on this comparison. If you have any concerns, doubts or questions, please refer to the individual policy details for complete information as it is not possible to accurately represent all the details in concise information such as follows. Please call us for further details. If there is any discrepancy between this comparison and the actual policy details, the policy details will override.


All the amounts are in U.S. dollars.


Routine physicals and vision (eyeglasses, etc.) are not covered in any of the plans.


Note: For all Comprehensive Coverage Plans, benefits are the same regardless of the policy maximum unlike Fixed Coverage Plans.


 
Plan type Comprehensive Comprehensive Plans
Plan name
Liaison International - Including US
Co-insurance
In U.S.: After deductible, you pay 20% of the first $5,000 in covered expenses, rest covered at 100% up to selected policy maximum.

Outside U.S.: After deductible, covered at 100% up to selected policy maximum.
MEDICAL - OUTPATIENT
Doctor/ urgent care visits To policy maximum
Hospital emergency room (all expenses incurred therein) To policy maximum.

No coverage if ER visit is not of an emergency nature.
Prescription drugs To policy maximum
Diagnostic x-rays lab services To policy maximum
Surgical treatment To policy maximum
To policy maximum
To policy maximum. No standby availability coverage
To policy maximum
MEDICAL - INPATIENT
Hospital room and board including miscellaneous To policy maximum
Intensive care unit To policy maximum
Surgical treatment To policy maximum
Anesthetist To policy maximum
Assistant surgeon To policy maximum. No standby availability coverage
Physician's non-surgical visits To policy maximum
Consult physician, when requested by attending physician To policy maximum
To policy maximum
MEDICAL - OTHER TREATMENT AND SERVICES
Same as any other eligible medical expense
Local ambulance
$5,000
To policy maximum
To policy maximum
-
-
To policy maximum
In US: Acute Onset of Pre-existing condition for non-US residents $15,000 under 70 ($25,000 for emergency medical evacuation)
Outside US/Canada: Unexpected recurrence of a Pre-Existing condition for U.S. residents $20,000 under 70, $5,000 for 70+
Catamaran RX Pharmacy Discount Card
Yes. UnitedHealthcare Global PPO
Yes
Optional
Benefit period for continued treatment following termination date of policy
180 days
DENTAL
$100
$500
TRAVEL
$300,000
$50,000
-
$50,000
$50,000
-
$5,000
$250 per occurence
LIFE
$25,000/insured/insured spouse; $5,000/dependent child; $250,000 max/ family
$50,000/insured/insured spouse; $10,000/dependent child;; $250,000 max/ family
OTHER
Incidental trips to home country: $50,000; (1 month or more coverage) extension of benefits: $5,000
$50,000
-
$150/night outside US/Canada, max 30days
-
-
PLAN FEATURES
Renewable Yes, renewable for min. 5 days
Cancellation policy Before effective date, full refund. After effective date, pro-rated refund minus $25 cancellation fee as long as no claims have been filed since the effective date.
multiples of days (min 5 days) - max 45 days
$0
$0
Help Help Help Help Help
Available deductibles
By Age
Per Policy Period
$0
$100
$250
$500
$1,000
$2,500
Policy maximum options
By Age
lifetime maximum
$15,000 Age 80+
$50,000 Up to 79
$100,000 Up to 64
$500,000 Up to 64
$1,000,000 Up to 64
Claims administrator Seven Corners
Insurance company / Carrier / Underwriter Lloyds or Tramont
A.M. Best rating A "Excellent"
  • $5 renewal fee

  • *Not subject to Deductible or Coinsurance

  • To policy maximum, refers to the Usual, Reasonable and Customary charges (URC).

  • Coverages shown are per person unless noted otherwise.