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:
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.
- 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.
- 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