For outside the U.S., click here.
Liaison Travel Elite provides comprehensive coverage plan for people traveling outside their home country and visiting 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.
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 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.
There is an exception for an acute onset of pre-existing conditions. When non-U.S. residents aged 14 days to 69 years are traveling inside the United States, the plan covers up to $50,000 ($10,000 for age 70 and over) for acute onset of a pre-existing conditions.
For details on how to use the PPO network, please look at the detailed description.
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 when Liaison Travel Elite insurance is purchased a minimum of 1 month. For any practical dental coverage though, you should consider a low cost plan from CAREINGTON, it provides excellent coverage.
Liaison Travel Elite provides coverage outside of your home country including travel time when you travel to the U.S. It also covers loss of checked luggage.
How do I use the insurance?
Check out this detailed description.
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 hospitalization and there is no concept of co-pay.
After that, within PPO network, the insurance pays 100% of the covered expenses, and you pay nothing; in other words, you will only have to pay your chosen deductible maximum out of your pocket up to your selected policy maximum (policy maximum choices range from $20,000 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 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 100%, or $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 continue to pay 100% for the covered medical expenses.
After that, the insurance 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 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: 04/30/2018