Liaison travel insurance by Seven Corners, 2020 Liaison travel insurance

Covid-19 travel insurance for international travelers

While travelling in the midst of a coronavirus pandemic, one must ensure that they have the right travel health insurance with proper Covid-19 coverage. At America visitor insurance travelers can get visitors insurance for Covid -19 illness. We offer a range of options for visitors where they can compare using our Visitors insurance for Covid19 comparison tool based on the factors like the travelers age, duration of travel, the maximum coverage required, deductible and the need for pre-existing conditions or for covid coverage. Travelers can narrow down their search further by applying the “filter” option for Covid19 available in the tool. Please know we are here to help you make the best, informed decision to get coverage even for COVID-19! Let us know how we can assist you. Feel free to contact us by email or phone at any time.
Liaison travel insurance plans
International travel has become very common with people traveling around the world for different reasons, be it a family reunion, a vacation, business, higher education...whatever maybe the reason for travel; there are some things that need to be taken care of during international travel. Travel health Insurance is one of these important things that really matters when you are outside your home country. You will need a travel health insurance plan that provides sufficient coverage in a foreign country.

Many people travel to the US for vacations, to meet family, higher education, work and several other reasons. Healthcare is very expensive in the US and this is a known fact to most travelers. US Domestic healthcare is only available for US citizens and permanent residents of the country. However travel insurance offered by private US insurance companies provide excellent coverage for people visiting the United States as well as those traveling outside their home country anywhere in the world.

Amongst the many travel insurance plans in the market let us shed some light on the Liaison Travel plans which has been updated in 2018 with new features by the Seven Corners insurance company.

Liaison Travel plans are classified as Liaison Basic, Liaison Choice and Liaison Elite. You can compare the coverage and Benefits of Liaison travel insurance

All these plans are available for Non US citizens coming to the US and US citizens traveling outside of the US. US citizens living abroad and visiting US for a short visit and who need coverage in the US will however not be eligible for these plans. Each plan has some differences in the benefit availability. The price of the plan also varies with the benefits.

If you are concerned about coverage for pre-existing conditions, all three plans provide the coverage for this. However, it is important to know the age limit of the person as the coverage reduces for people of ages 70 and above. There is a waiver of pre-existing conditions for US Citizens going outside of the US. The Liaison Elite plan among the three has the highest coverage for acute onset of pre-existing conditions for Non US citizens. The Elite plan provides a medical maximum of up to $1,000,000. Dental accident is covered up to the medical maximum and there is coverage available for sudden dental pain in all the three plans. Plans are renewable and provide coverage for most of the basic things like emergency medical evacuation, repatriation, incidental trips to home country, coma benefit, trip delay and interruption...
All the plans cover worldwide including or excluding US as long as the person is traveling outside the home country.

Liaison Travel Basic:
  • The policy maximum for this comprehensive insurance starts from $50,000 and provides up to $5,000,000. For people above age 80 years, they get a policy maximum of $15,000.
  • This plan can be purchased by individuals traveling outside their home country
  • The maximum lifetime of the plan is 365 days and it can be renewed up to this time.
  • There is a coinsurance factor applicable to this insurance. Outside of the US, the plan pays 100%, inside of the US, the plan pays 80% within the PPO network up to the first $5000 and 100% after the limit. For out of PPO network, the plan pays 70% up to first $5,000 and then pays 100%.
  • Acute onset of pre-existing condition is available for up to $15,000 for the age group up to 69. For people above the age to 80 years it is covered for $2,500.
Liaison Travel Choice:
  • The policy maximum is available up to $5,000,000 for people up to 79 years and reduces to $15,000 for people above 80 years.
  • This plan can be purchased by individuals traveling outside their home countries.
  • The maximum lifetime of the plan is 365 days and is renewable
  • There is a co insurance factor applicable to this insurance which pays 100% for outside of the US and 90% up to first $5,000 for within the PPO network treatment and 80% for out of the PPO network treatments.
  • Acute onset of pre-existing conditions are covered up to $30,000 up to the age of 69 years and a coverage of $5,000 is available for people above the age of 70 years.
Liaison Travel Elite:
  • This plan provides a policy maximum of as high as $5,000,000 and for people above 80 years, plan provides a policy maximum of $20,000
  • This plan can be renewed for up to 1092 days
  • Acute onset of pre-existing condition coverage is available for up to $50,000 for people below 70 years and $10,000 for people above 70 years.
  • Plan pays 100% coinsurance for in network PPO charges and pays 90% for the first $5,000 and then 100% for out of network expenses. For charges incurred outside of the US, the plan pays 100%
  • This plan can be purchased by individuals traveling outside their home countries
Compare Liaison travel insurance plans
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What are the factors to consider while comparing Liaison Travel Plans

Following are some of the insurance aspects that an international tourist needs to focus on while comparing among Liaison Travel Choice, Liaison Travel Economy and Liaison Travel Elite Insurance:
  • Contrast the travel health Insurance renewability options for Liaison Travel Plans:
    Liaison Travel Economy and Liaison Travel Choice are available for 364 days while Liaison Travel Elite can be renewed up to 3 years.
  • Compare visitor medical insurance maximum coverage between Liaison Travel Plans:
    This the maximum coverage that the plan would offer for the medical expenses.
    All the 3 plans have maximum coverage up to $5 million. The coverage may vary for older travelers with reduced plan maximum, Liaison Travel Economy and Liaison Travel Choice offer $15,000 maximum for older travelers above 80 years while Liaison Travel Elite insurance offers $20,000 maximum for older travelers above 80 years.
  • Compare visitors health insurance deductible options between Liaison Travel Plans:
    This is the initial amount the traveler needs to pay before the insurance actually start paying. Remember higher deductible have less premium than a plan with lower deductible. Liaison Travel Insurance plans have a deductible range starting from $0 up to $5,000.
  • Compare travel medical insurance provider network for Liaison Travel Plans:
    It is a network of health care providers. Insurance companies form these in order to control the costs of health care. An insurance plan would pay 100% of the eligible expenses if the insured is admitted to hospital or health care center within the provider network.
  • ompare travel insurance coinsurance options for Liaison Travel Plans:
    This is a percentage of the bill that the travel has to pay. All the 3 Liaison travel insurance plans have 100% coinsurance for coverage outside USA.
  • For coverage inside USA:
    Liaison Travel Economy pays
    IN PPO NETWORK
    80% of the first $5,000, then 100% to the medical maximum.
    OUT OF PPO NETWORK
    70% of the first $5,000, then 100% to the medical maximum.
    Liaison Travel Choice pays
    IN PPO NETWORK
    90% of the first $5,000, then 100% to the medical maximum.
    OUT OF PPO NETWORK
    80% of the first $5,000, then 100% to the medical maximum.
    Liaison Travel Elite pays
    IN PPO NETWORK
    100%
    OUT OF PPO NETWORK
    90% of the first $5,000, then 100% to the medical maximum.
  • Compare eligibility options of US visitors travel insurance for Liaison Travel Plans:
    Both these US visitor insurance plans offer comprehensive medical coverage to Non US citizens visiting US for a short period.
  • Compare Schengen Visa or Schengen visa letter coverage for Liaison Travel Plans:
    Liaison travel Economy Insurance is not available for travellers visiting the Schengen countries. Liaison travel Choice and Liaison Elite insurance are most popular Schengen visa insurance plan and satisfies the Schengen visa requirements as mandated by the consulates.
  • Compare visitors insurance Pre-existing conditions coverage for Liaison Travel Plans:
    Liaison Travel Insurance offers coverage for acute onset of pre-existing conditions
    Liaison Travel Economy offers
    $15,000 for travelers aged 0-69 years
    $2,500 for travelers above 70 years
    Liaison Travel Choice
    $30,000 for travelers aged 0-69 years
    $5,000 for travelers above 70 years
    Liaison Travel Elite
    $50,000 for travelers aged 0-69 years
    $10,000 for travelers above 70 years

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