For coverage inside the U.S., click here.
Liaison Travel Elite is a comprehensive coverage plan for persons traveling outside their home country and excluding the U.S. (for U.S. citizens, including those with dual citizenship, your home country is always 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 Elite 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.
Exception: If you are a United States citizen and the United States is your Home Country, this exclusion is waived for eligible benefits incurred outside the United States and Canada as defined below:
- For persons less than age 65 with a Primary Health Plan as defined in the policy, Pre-Existing Conditions are waived up to the medical maximum selected.
- For persons less than age 65 without a Primary Health Plan as defined in the policy, Pre-Existing Conditions are waived up to the first $50,000.
- For persons age 65 and over, Pre-Existing Conditions are waived up to the first $2,500 regardless of whether there is a Primary Health Plan.
Prescription drugs are covered like any other eligible medical expenses.
Dental is covered only up to $250 for acute pain to sound and natural teeth (minimum 1 month purchase).
Liaison Travel Elite provides coverage anywhere outside of your home country, excluding the U.S., and including travel time as well. It also covers loss of checked luggage.
How much is covered?
First, you will have to pay your deductible once per policy period (varies from $0 to $5,000) before the insurance 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, the plan pays 100% up to the selected policy maximum; available policy maximum options range from $20,000 to $5 million depending upon your age.
Let's assume that you have purchased a $100,000 policy maximum with a $500 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 $350 left towards the unsatisfied deductible.
On second visit, you will have to pay $150 yourself. You still have $200 left towards the unsatisfied deductible.
On the third visit, you will have to pay $150 yourself. You still have $100 left towards the unsatisfied deductible.
On your fourth visit, you will have to pay $100; 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 will pay 100% for covered medical expenses, up to $100,000. If you incur any expenses beyond $100,000, 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 $500 deductible, and the insurance will pay the rest.
Even if you extend your insurance, you don't have to pay the deductible again for any duration up to one year.
Benefits Updated: 4/30/2018