For inside the U.S., click here.
Liaison Travel Choice is a comprehensive coverage plan for people traveling internationally (excluding the U.S.). 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.
What is covered and not covered?
Liaison Travel Choice 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.
There is an exception for pre-existing conditions for U.S. residents traveling outside the U.S., the plan provides a pre-existing condition waiver of $25,000 for U.S. residents under age 70, and $10,000 for 70 plus.
Prescription drugs are covered like any other eligible medical expenses.
Dental is covered up to $200 for acute pain to sound and natural teeth when coverage is purchased for minimum of 1 month.
Liaison Travel Choice provides coverage anywhere outside of the U.S., including travel time. It also includes coverage for 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 (choose from $0 to $5,000) before the insurance plan starts paying for covered expenses, even for doctor visits. You will need to continue to pay all the money to meet your deductible 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, the plan pays 100% up to the selected policy maximum, choices ranging from $15,000 to $5,000,000 depending upon your age.
Let's assume that you have purchased a $50,000 policy maximum with a $250 deductible for 3 months.
Let's assume that the doctor charges you $150/visit and you need 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.
On second visit, you will have to pay $100 yourself. You have now completely satisfied your deductible once per policy period. After that, the plan pays the remaining $50.
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 pay 100% for covered medical expenses, up to $50,000. If you incur any expenses beyond $50,000, you will be responsible to pay that amount.
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 needing to use the insurance, you pay your $250 deductible, and the insurance plan will pay the rest.
Even if you extend your insurance, you don't have to pay the deductible again.
Benefits Updated: 04/30/2018