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Liaison® Travel Economy

Coverage Outside Your Home Country

5 Days to 364 Days

How Liaison Travel Economy - Including U.S. Insurance Works

First

You pay the deductible once per policy period, even for doctor 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 coverage outside the U.S., click here.

Overview

Liaison Travel Economy 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.

*This plan is not available for U.S. Citizens coming to the U.S, even if their permanent residence is outside the U.S.

What is covered and not covered?

Liaison Travel Economy 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 (except up to $15,000 for acute onset of pre-existing conditions for persons age below 69 years and up to $2,500 for persons age 70 and older), preventive check ups, immunizations or maternity.

Prescription drugs are covered like any other eligible medical expenses.

Dental is covered only up to $100 for acute pain to sound and natural teeth (minimum 1 month purchase) and up to $500 in case of an accident. For any practical dental coverage, consider a low cost plan from CAREINGTON that provides excellent coverage.

Liaison Travel Economy 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 $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 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 the PPO network, the plan pays 80% of the next $5,000 of covered expenses, and you pay 20%. In other words, you will have to pay maximum $1,000 out of your pocket towards the coinsurance.

Then, the plan pays 100% up to the selected policy maximum, choices ranging from $50,000 to $5,000,000 for ages 14 days to 69 years, $50,000 for 70 to 79, and $15,000 for 80+.

Example:

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 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, 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%, which is $40, and you pay 20%, which 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 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 extend your insurance, you don't have to pay the deductible again.

Benefits Updated: 04/30/2018

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.

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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 are not eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

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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.

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