We deliver health, safety and security to you when you are away from home. Take us on your next trip!
Why do I need international health insurance?
Your health insurance at home may not cover you when you travel abroad. That means you could be responsible for the bill if you get sick or hurt on your trip. Also, medical providers in foreign countries may require you to pay money upfront before they will treat you.
No matter where you go, Liaison® Travel Economy follows you with comprehensive medical coverage, an extensive network of providers, and 24-hour travel assistance. Make sure you receive the same level of care abroad that you receive at home, and let us take the worry out of your travel!
Who Can Buy a Liaison Travel Economy Plan?
You may buy coverage for yourself, your spouse, your traveling companion(s) and your child(ren).
Where Can I Travel?
All covered travelers must travel outside of their home country. United States citizens cannot buy a Liaison plan for travel to the United States and U.S. territories.
What is my home country? For non-United States citizens, it is the country where you have your permanent residence. For United States citizens, including those with dual citizenship, it is always the United States.
Length of Coverage
Coverage Length - Your coverage length may vary from 5 to 364 days for Liaison Travel Economy.
Effective Date - This is the start date of your plan, on the later of the following: 1) 12 a.m. the day after we receive your application and correct payment if you apply online or by fax; 2) 12 a.m. the day after the postmark date of your application and correct payment if you apply by mail; 3) The moment you depart your home country; 4) 12 a.m. on the date you request on your application.
Expiration Date - The date coverage for you terminates, which is the earliest of the following: 1) The moment you return to your home on the date of attainment of the maximum period of coverage; 2) 11:59 p.m. on the date shown on your ID card; 3) 11:59 p.m. on the date that is the end of the period for which the Plan premium has been paid; or 4) The moment you fail to be eligible.
All times above refer to United States Eastern Time.
Extending Your Coverage
If you initially buy less than 364 days of coverage, you may buy additional time, to a total of 364 days. Your original effective date is used to calculate your deductible and coinsurance and to determine pre-existing conditions. We will email you a renewal notice before your coverage expires, giving you the option to renew your plan. A $5 administrative fee is charged for each renewal.
Refund of Premium/Cancellation
We will refund your payment if we receive your written request for a refund before your effective date of coverage. If your request is received after your effective date, the unused portion of the plan cost may be refunded minus a $25 cancellation fee, if you have not submitted any claims to the administrator.
Filing A Claim
Send your itemized bill to the claims department within 90 days of service, along with a completed claim form. Payments can be converted to a currency of your choosing. You are responsible for your deductible and coinsurance and any non-eligible expenses
State Restrictions - We cannot accept an address in Maryland, Washington, New York, South Dakota, and Colorado.
Country Restrictions - We cannot accept an address in Islamic Republic of Iran, Syrian Arab Republic, United States Virgin Islands, Gambia, Ghana, Nigeria, and Sierra Leone.
Destination Restrictions - We cannot cover trips to Islamic Republic of Iran and Syrian Arab Republic.
Seven Corners Assist
What happens if you are sick in an area without appropriate medical care?
If medically necessary, we will arrange and pay to evacuate you to the nearest appropriate medical facility.
24/7 Travel Assistance – We can provide local weather details, currency rates, embassy contact information, interpreter referrals, help with lost passport recovery, and pre-trip information including inoculation and visa requirements.
24/7 Medical Assistance – We can help you locate appropriate medical care and arrange second opinions, emergency medical evacuations, medical transportation home after treatment, escorts and transportation for unaccompanied child(ren) and medical record transfers.
Contact information for Seven Corners Assist is provided on your ID card.
The following expenses must always be pre-certified:
- Outpatient surgeries or procedures;
- Inpatient surgeries, procedures, or stays including those for rehabilitation;
- Diagnostic procedures including MRI, MRA, CT, and PET Scans;
- Radiation therapy;
- Physical and occupational therapies;
- Home infusion therapy;
- Home Health Care.
To comply with the pre-certification requirements, you must:
- Contact Seven Corners Assist before the expense is incurred;
- Comply with Seven Corners Assist’s instructions;
- Notify all medical providers of the pre-certification requirements and ask them to cooperate with Seven Corners Assist.
Once we pre-certify your expenses, we will review them to determine if they are covered by the plan.
If you do not comply with the pre-certification requirements or if the expenses are not pre-certified, we will review the expenses to determine if they are covered by the plan. If covered:
- Eligible medical expenses will be reduced by 25%; and
- The deductible will be subtracted from the remaining amount; and
- Coinsurance will be applied.
Pre-certification Does Not Guarantee Benefits - Pre-certification does not guarantee coverage for, or payment of expenses.
WellCard Discounts & Services
Lower your cost for these products and services and receive cash rewards:
- Prescription drugs - save up to 50%
- Dental services - save up to 45%
- Vision services - save up to 50%
- Hearing aids
- Diabetic care & supplies
- Mail order vitamins
- Daily living products - discounted rates for medical supplies and equipment
Share your free card with friends and family and use it even after your coverage ends. Visit WellCard page to learn more, locate participating providers and determine the available discounts. Information about WellCard will be included with your purchase documents.
This card is not insurance and does not replace our existing networks.
Finding Medical Providers
Network providers can be located in the Provider Directory
Inside the United States - We offer an extensive network of providers with special network pricing and potential savings for you.
Outside of the United States - We have large international network of providers, and many of them have agreed to bill us direct for treatment they provide. We recommend you contact us for a referral, but you may seek treatment at any facility.
Utilizing the network does not guarantee benefits or that the treating facility will bill direct. We do not guarantee payment to a facility or individual until we determine the expense is covered by the plan.
Important Information Regarding Your Coverage
Please be aware this coverage is not a general health insurance plan, but an interim, limited benefit period, travel medical program intended for use while away from your home country.
This brochure is intended as a brief summary of benefits and services. It is not your plan document. If there is any difference between this brochure and your plan document, the provisions of the plan document will prevail. Benefits and premiums are subject to change.
It is your responsibility to maintain all records regarding travel history, age, and provide necessary documents to the administrator to verify your eligibility for coverage.
Patient Protection and Affordable Care Act: THIS IS NOT QUALIFYING HEALTH COVERAGE ("MINIMUM ESSENTIAL COVERAGE") THAT SATISFIES THE HEALTH CARE COVERAGE REQUIREMENT OF THE AFFORDABLE CARE ACT. IF YOU DON'T HAVE MINIMUM ESSENTIAL COVERAGE, YOU MAY OWE AN ADDITIONAL PAYMENT WITH YOUR TAXES.
Do you need a Schengen visa for travel to Europe? Choose $0 deductible to be certain you meet minimum requirements. Members who are 80 years and older will not meet the minimum requirements for the Schengen visa on the Liaison Travel Series plans.
Liaison Travel Economy Schedule of Benefits
All coverages and plan costs are shown in United States dollar amounts and are per person and period of coverage unless otherwise noted.
|Coverage Length||5 days to 364 days|
|Medical Maximum Options||Worldwide Including the United States|
14 days to 69: $50,000; $100,000; $500,000; $1,000,000; $2,000,000; $5,000,000;
Ages 70-79: $50,000
Ages 80+ $15,000
Worldwide Excluding the United States
14 days to 69: $50,000; $100,000; $500,000; $1,000,000; $2,000,000; $5,000,000;
Ages 70-79: $50,000, $100,000
Ages 80+ $15,000
|Deductible Options (You pay)||$0; $100; $250; $500; $1,000; $2,500, $5,000|
Outside the United States
|The plan pays 100%|
Inside the United States
(The plan pays)
|In PPO Network|
We pay 80% of the first $5,000, then 100% to the medical maximum.
Out of PPO Network
We pay 70% of the first $5,000, then 100% to the medical maximum.
Inside the United States failure to get pre-certification for treatment will result in a 25% penalty; penalty does not apply to emergencies.
|Hospital Room & Board,|
Inpatient Hospital Services,
Outpatient Hospital/Clinic Services,
Emergency Room, Doctor's Office
Visits, Prescription Drugs
|Usual, Reasonable amd Customary to medical maximum|
|Local Ambulance Benefit||$5,000|
|Hospital Indemnity (outside the United States & Canada)||$100/night to a maximum of 30 days (per occurrence)|
|Coma Benefit||$10,000 |
(seperate from the medical maximum)
|Extension of Benefits to Home Country||$5,000|
|Incidental Trips to Home Country||$5,000|
|Waiver of Pre-existing Condition: United States Residents outside the United States||Age 0-69: $25,000|
Age 70 & over: $5,000
|Acute Onset of a Pre-existing Condition; Non-United States Residents in the United States||Age 0-69: $15,000|
Age 70 & over: $2,500
|Dental - Sudden Relief of Pain:||$100|
|Dental - Accident:||$500|
|Emergency Serices and Assistance|
|Emergency Medical Evacuation & Repatriation||$250,000|
(seperate from the medical maximum)
|Emergency Medical Reunion||Up to $200 per day / $25,000 maximum|
|Return of Child(ren)||$25,000|
|Return of Mortal Remains||$25,000|
|Natural Disaster Evacuation||$25,000|
|Natural Disaster Daily Benefit||$50/day, 5-day limit|
|Political Evacuation & Repatriation||$10,000|
|Felonious Assault||$5,000 |
(seperate from the medical maximum)
|24/7 Travel Assistance Services||Included|
|Accidental Death and Dismemberment (AD&D)||$10,000 primary insured & travel companion; $2,500 child|
Aggregate limit of $250,000 for total number of insureds on plan
|Common Carrier Accidental Death||$20,000 primary insured & travel companion; $5,000 child|
Aggregate limit of $250,000 for total number of insureds on plan
|Loss of Checked Luggage||$50 per article|
$250 per occurrence maximum
|Hazardous Activities||Up to Medical Maximum|
Liaison Travel Economy Benefit Highlights
Benefit Period - 180 days. If your period of coverage ends during your benefit period, you can still receive treatment if you outside your home country.
Medical Coverage - We cover injuries and illnesses which occur during your period of coverage. Benefits are paid in excess of your deductible and coinsurance up to your medical maximum.
Hospital Daily Indemnity - If you are hospitalized while traveling outside of the United States, we will pay you for each night you spend in the hospital, up to 30 days. This benefit is in addition to other covered expenses, and you may use these incidental funds as you wish.
Coma Benefit - Pays benefits if you become comatose due to an accident.
Extension of Benefits to Home Country - Covers expenses incurred in your home country for conditions first diagnosed and treated outside your home country.
Incidental Trips to Home Country - Covers an illness/injury which occurs on an incidental trip in your home country. You earn covered days at home at approximately 5 days per month of purchased coverage.
Emergency Medical Evacuation - If medically necessary, we will:
- Transport you to adequate medical facilities.
- Transport you home after receiving medical treatment related to a medical evacuation.
Emergency Medical Reunion - If you require an emergency medical evacuation, we will send one person of your choice to be at your side while you are hospitalized.
Return of Child(ren) - If you are traveling alone with child(ren) and are hospitalized because of a covered illness/injury, we will transport the child(ren) home with an escort.
Return of Mortal Remains - We will return your remains to your home country if you should die while traveling.
Local Creamation or Burial - We will pay up to the amount set forth in the Schedule of Benefits for the reasonable expenses incurred for the preparation of either your local burial or cremation if you die while outside your home country during the period of coverage from an illness or injury covered under this insurance.
Natural Disaster Evacuation - If you need an emergency evacuation due to a natural disaster which makes your host country location uninhabitable (as deemed by Seven Corners security personnel and as described in the plan document), we will arrange and pay for evacuation from a safe departure point to the nearest safe location. We will arrange and pay up to a maximum of 3 days for accommodations related to lodging if you are delayed at the safe location. We will also arrange and pay for one-way economy airfare to return you to your home country following evacuation.
Natural Disaster Daily Benefit - We will pay for replacement accommodations needed because of a natural disaster. You must provide proof of payment for the accommodations from which you were displaced.
Political Evacuation - If a formal recommendation is made for you to leave the country, we will transport you to your home country. This benefit will not apply if a formal Travel Warning was issued by the State Department, and you did not follow it.
Felonious Assault - Pays benefits if you are injured as the result of a felonius assault while traveling.
Terrorism - If you are injured as a result of terrorist activity, we will provide benefits if the following conditions are met:
- You have no direct or indirect involvement.
- The terrorist activity is not in a country or location where the United States government has issued a travel warning within 6 months prior to your date of arrival.
- You have not unreasonably failed or refused to depart a country or location following the date a warning is ssued by the United States government.
Accidental Death & Dismemberment (AD&D) - Pays benefits for death, loss of limbs, or loss of sight due to an accident occurring while on your trip.
Common Carrier (AD&D) - Pays benefits for death occurring while riding as a passenger on a common carrier (motorized land, sea, or air conveyance operating to transport passengers for hire).
Trip Interruption - If you cannot continue your trip due to an immediate family member’s death or because of damage to your residence (fire, flood, tornado, or similar natural disaster), we will reimburse you for the cost of economy travel to your home.
Personal Liability - We will pay for eligible court-entered judgments or settlements (settlements must be approved by us) that are related to the personal liability you incur for acts, omissions, and other occurrences for losses or damages caused by your negligent acts or omissions that result in: 1) injury to a third person; 2) damage or loss to a third person’s personal property; 3) damage or loss to a related third person’s personal property.
Optional Coverage – Hazardous Activities - We cover typical types of vacation activities in all three Liaison plans. However, if you plan to participate in more adventurous activities when you travel, consider buying this optional coverage for bungee jumping; caving; hang gliding; jet skiing; motorcycle or motor scooter riding whether as a passenger or a driver; parachuting; parasailing; scuba diving only to a depth of 10 meters with a breathing apparatus provided that you are SSL, PADI or NAUI certified; snowmobiling; spelunking; wakeboard riding; water skiingl windsurfing; or zip lining. You must purchase this optional coverage if you wish to be covered while riding a motorcycle, mottor scooter, or similar transportation when such transportation is an established and accepted routine means of public transportation for hire in the specific geographic area where you are located in the host country.
Pre-existing Conditions - Any medical condition, sickness, injury, illness, disease, mental Illness or mental nervous disorder whether or not previously manifested, symptomatic, known, diagnosed, treated or disclosed at the time of application.
Waiver of Pre-existing Conditions
United States Residents traveling outside the United States
We pay up to the specified limit for a sudden, unexpected recurrence of a pre-existing condition. This benefit does not cover known, required, or expected treatment of any kind existent or necessary for 12 months prior to your coverage.
Acute Onset of a Pre-existing Condition
Non-United States Residents under age 70 traveling in the United States
We pay up to $50,000 (ages 70+ limited to $10,000) for an acute onset of a pre-existing condition if it occurs during your coverage period while you are in the United States, and if you receive treatment in the United States within 24 hours of the sudden and unexpected recurrence.
Coverage is available for eligible medical expenses until the condition is no longer acute or you are discharged from the hospital. This benefit covers one acute episode per pre-existing condition. In addition, we provide up to $25,000 for emergency medical evacuation.
An Acute Onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence of a pre-existing condition which occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms and requires urgent care. A pre-existing condition that is a congenital condition or that gradually becomes worse over time will not be considered an acute onset. A preexisting condition will not be considered an acute onset if during the 30 days prior to the acute event you had a change in prescription or treatment for a diagnosis related to the acute event. This benefit 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 coverage start date.
- For Medical Benefits, this insurance does not cover: Pre-existing Conditions which are excluded under this Certificate. This means that any claims for Pre-existing Conditions will not be covered for the duration of this Certificate. This exclusion does not apply to emergency medical evacuation, emergency medical reunion, return of children, return of mortal remains, and local cremation/burial.
- Claims not received by the Company or Administrator within ninety (90) days of the date of service:
- Treatment that (i) exceeds Usual, Reasonable, and Customary Expenses; (ii) is Investigational, Experimental, or for research purposes; or (iii) received in a Hospital emergency room visit that is not a Medical Emergency;
- Treatment, services, or supplies that are not administered by or under the supervision of a Physician or Surgeon and products that can be purchased without a Physician’s or Surgeon’s prescription;
- Routine physicals, inoculations, or other examinations or tests conducted when there is no objective indications or impairments in normal health;
- Chiropractic care or acupuncture;
- Services, supplies, medications, testing, or Treatment prescribed, performed, or provided by a Relative or Immediate Family Member;
- Durable medical equipment;
- False teeth, dentures, dental appliances, dental expenses, normal ear or hearing tests, hearing aids, hearing implants, eye refractions, eye examinations for prescribing corrective lenses or eye-glasses unless caused by Accidental Injury, eyeglasses, contact lenses, or eye surgery when the primary purpose is to correct nearsightedness, farsightedness, or astigmatism;
- Replacement of artificial limbs, eyes, larynx, and orthotic appliances;
- Custodial Care, Educational or Rehabilitative Care, or any Treatment in any establishment for the care of the aged;
- Vocational, occupational, sleep, speech, recreational, or music therapy;
- Pregnancy, Illness or complications from Pregnancy, childbirth, abortion, miscarriage including that resulting from an Accident, postnatal care, preventing conception or childbirth, artificial insemination, infertility, impotency, sexual dysfunction, or sterilization or reversal thereof;
- Sleep apnea or other sleep disorders;
- Mental and Nervous Disorder, Rest Cures, learning disabilities, attitudinal disorders, or disciplinary problems;
- Congenital abnormalities and conditions arising out of or resulting therefrom.
- Temporomandibular joint;
- Occupational Diseases;
- Exposure to non-medical nuclear radiation or radioactive materials;
- Sexually-transmitted diseases, venereal diseases, and conditions and any consequences thereof;
- Acquired Immune Deficiency Syndrome (AIDS), AIDS-Related Complex (ARC), or the Human Immunodeficiency Virus (HIV);
- Human organ or tissue transplants.
- Exercise programs whether prescribed or recommended by a Physician or therapist;
- Weight reduction programs or the surgical Treatment of obesity including, but not limited to, wiring of the teeth and all forms of intestinal bypass Surgery;
- Cosmetic or plastic Surgery including deviated nasal septum; modifications of Your physical body intended to improve Your psychological, mental, or emotional well-being including, but not limited to, sex-change Surgery;
- Acne, moles, skin tags, disease of sebaceous glands, seborrhea, sebaceous cyst, unspecified disease of the sebaceous glands, hypertrophic and atrophic conditions of skin, nevus;
- Hazardous Activities unless You purchase optional hazardous activities coverage and then only for the activities covered under that option under Section 7;
- Injuries sustain while participating in professional Athletics, amateur Athletics, or interscholastic Athletics including, but not limited to, events, games, matches, practice, training camps, sport camps, conditioning, and any other activity related thereto but excluding non-competitive, recreational, or intramural activities;
- Abuse, misuse, illegal use, overuse, dependency upon, or being under the influence of alcohol, drugs, chemicals, or narcotic agents unless administered under the advice of a Physician and taken in accordance with the proper dosing as directed by the Physician;
- Suicide or any attempt thereof; self-destruction or any attempt thereof; or any intentionally self-inflicted Injury or Illness;
- Terrorist Activity except as provided under Section 5.10; War, Hostilities, or War-Like Operations;
- Commission of a criminal offense or any other criminal or illegal activity as defined by the local governing body;
- You unreasonably fail or refuse to depart a country or location following the date a warning to leave that country or location is issued by the United States government or similar warnings issued by other appropriate authorities of either Your Host Country or Your Home Country;
- Service in the military, naval, coast guard, or air service of any country or while on duty as a member of a police force or unit;
- Treatment paid for or furnished under any other individual, government, or group policy or Expenses incurred at no cost to You;
- (ii) You while in Your Home Country unless covered under Section 3.8 or 3.9;
- Conditions for which travel was undertaken to seek Treatment after Your Physician has limited or restricted travel;
- Travel accommodations;
- Injury sustained while You are riding as a pilot, student pilot, operator, or crew member, in or on, boarding or alighting, from any type of aircraft;
- Injury sustained while You are riding as a passenger in any aircraft (i) not having a current and valid Airworthy Certificate and (i) not piloted by a person who holds a valid and current certificate of competency for piloting such aircraft;
- Flying in any aircraft being used for acrobatic or stunt flying, racing, endurance tests, rocket-propelled aircraft, crop dusting or seeding or spraying, firefighting, exploration, pipe or power line inspection, any form of hunting or herding, aerial photography, banner towing, or any experimental purpose; and
- Participating in contests of speed or riding or driving in any type of competition.
- Loss of life;
- Long-term disability; or
- Financial guarantee, financial default, bankruptcy, or insolvency risks.
|Liaison Travel Economy Worldwide including the United States (Rates Effective 4/30/2018)|
|Daily Base Rates||Medical Maximum|
|19 - 29||$1.14||$1.42||$1.81||$1.93||$2.12||$2.87|
|30 - 39||$1.51||$1.82||$2.06||$2.16||$2.38||$3.21|
|40 - 49||$2.24||$2.74||$3.34||$3.59||$3.95||$5.33|
|50 - 59||$3.29||$4.20||$5.31||$5.52||$6.07||$8.20|
|60 - 64||$4.11||$5.06||$6.57||$6.84||$7.52||$10.16|
|65 - 69||$5.06||$5.91||$8.54||$8.89||$9.78||$13.20|
|70 - 79||$7.14|
|Child Alone †||$1.14||$1.42||$1.81||$1.93||$2.12||$2.87|
|Child with Primary ††||$1.03||$1.28||$1.63||$1.74||$1.91||$2.58|
|Liaison Travel Economy Worldwide excluding the United States (Rates Effective 4/30/2018)|
|Daily Base Rates||Medical Maximum|
|19 - 29||$0.72||$0.88||$1.02||$1.13||$1.24||$1.62|
|30 - 39||$0.85||$1.01||$1.31||$1.47||$1.62||$2.10|
|40 - 49||$1.37||$1.55||$1.72||$1.88||$2.07||$2.69|
|50 - 59||$2.33||$2.66||$2.83||$2.97||$3.27||$4.25|
|60 - 64||$2.96||$3.48||$3.80||$4.21||$4.63||$6.02|
|65 - 69||$3.60||$4.00||$4.26||$4.76||$5.24||$6.81|
|70 - 79||$5.27||$6.99|
|2 weeks - 18 years||$0.72||$0.88||$1.02||$1.13||$1.24||$1.62|
|Dependent Child †||$0.65||$0.79||$0.92||$1.02||$1.12||$1.46|
Deductible Factors:$0: 1.25 $100: 1.10 $250: 1.00 $500: .90 $1,000: .80 $2,500: .70 $5,000: .60
Hazardous Activities Rider: 1.15
*Ages 80+: Economy & Choice - limited to $15,000 / Elite: Limited to $20,000
† Child Alone rate is used when a child will be insured by themselves
†† Child with Primary rate is applicable when at least one Primary Insured will also be covered under Liaison® Travel Economy
303 Congressional Boulevard
Carmel, IN 46032
We will handle your insurance needs from start to finish. We will process you purchase, provide all documents, and handle any claims. In addition, our own 24/7 in-house travel assistance team, Seven Corners Assist, will handle you emergency or travel needs.
You can feel confident with Liaison Travel Medical's strong financial backing through Certain Underwriters at Lloyd's, London1 an established organization with an AM Best rating of A (Excellent). Your coverage will be there when you need it.
1In specifix scenarios, coverage is provided by Tramont Company Insurance Limited. For details regarding Tramont, visit tramontinsurance.com.
Seven Corners operates under the name, Seven Corners Insurance Services, in California.
FOR ADDITIONAL INFORMATIONInsubuy®, Inc.
4200 Mapleshade Ln, Suite 200
Plano, TX 75093
Phone: (972) 985-4400
Fax: (972) 767-4470
Disclaimer: This brochure is intended as a brief summary of benefits and services. It is not your plan document. If there is any difference between this brochure and your plan document, the provisions of the plan document will prevail. Benefits and premiums are subject to change.
©Seven Corners, Inc.
Liaison® is a registered trademark of Seven Corners, Inc.
Seven Corners® is a registered trademark of Seven Corners, Inc.