For outside the U.S., click here.
Liaison Travel Choice 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.
*The United States is considered the home country for U.S. citizens and dual citizens living outside the United States.
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.
With the exception of providing $30,000 for the acute onset of a pre-existing condition for non-U.S. resident under age 70, for ages 70 and over coverage is up to $2,500.
Prescription drugs are covered like any other eligible medical expenses.
Liaison Travel Choice does provide $200 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 Travel Choice 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 (deductible options varies from $0 to $5,000) once per policy period 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 90% of the next $5,000 of covered expenses and you pay 10%. In other words, you will have to pay a maximum $500 out of your pocket towards 10% coinsurance, then the plan pays 100% up to the selected policy maximum. (Available policy maximum options: $50,000, $100,000, $500,000, $1 million, $2 million and $5 million for people aged 2 weeks up to 70 years; $50,000 for 70 to 79, and $15,000 for ages 80+.)
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 90%, that is $45 and you pay 10% that is $5.
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 90% for the first $5,000 of covered medical expenses; you pay 10% (that is maximum $500).
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 and $500 (10% of first $5,000) 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