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Liaison® Travel Choice

Coverage Outside Your Home Country

5 Days to 364 Days

Liaison Travel Choice includes coverage for an acute onset of a pre-existing condition for non-US residents traveling to the US. For international travelers aged 14 days through 69 years up to $30,000 is provided, coverage for people 70 and older is up to $5,000.

By understanding what a pre-existing condition is, you can better understand an acute onset of a pre-existing condition. Please review the explanations below for both.

Pre-Existing Condition

Any medical condition, sickness, Injury, Illness, disease, Mental Illness or Mental or Nervous Disorder, regardless of the cause, including any Congenital, chronic, subsequent, or recurring complications or consequences related thereto or resulting therefrom, that with reasonable medical certainty existed at the time of application or any time during the 36* months prior to the Effective Date of Coverage under this Certificate, whether or not previously manifested, symptomatic, known, diagnosed, treated, or disclosed. This specifically 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-month period immediately preceding the Effective Date of Coverage under this Certificate. For Insured Persons traveling outside the United States, the period is twelve (12) months instead of thirty-six (36) months.

Acute Onset of a Pre-Existing Condition

If you are a non-United States Resident under the age of 70, the exclusion set forth in Section 8(a) is waived for the eligible medical Expenses for the first Acute Onset of a Pre-Existing Condition(s) during the Period of Coverage up to the amount set forth in the Schedule of Benefits for eligible medical Expenses incurred in the United States. The same waiver applies for persons age 70 and over for the amount set forth for them in the Schedule of Benefits. These waivers apply subject to Your payment of the Deductible and selected Coinsurance option. This waiver 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; coverage for Treatment for which You have traveled; or coverage for conditions for which travel was undertaken after Your Physician has limited or restricted travel. Coverage ceases on the earliest of (i) the condition no longer being considered acute or (ii) Your discharge from the Hospital. As set forth in the Schedule of Benefits, there is no waiver for persons age 70 and over.

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Visiting USA?

Healthcare costs are very high in the U.S.

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

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

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

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

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

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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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