Seven Corners Liaison Travel Choice Insurance Reviews

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Liaison Travel Choice insurance review

Liaison Travel Choice
Insurance provider
Seven Corners
Plan life
5 days to 364 days
Liaison Travel Choice can be renewed online
Deductible options?
$0, $100, $250, $500, $1,000, $2,500, $5,000
Policy maximum?
$50,000, $100,000, $500,000, $1,000,000, $2,000,000, $5,000,000, Age 80+: 15,000
PPO Network
Liaison Travel Choice Insurance Reviews
Seven Corners Liaison Travel Choice insurance reviews.
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Liaison Travel Choice links

    Comprehensive plan

Liaison Travel Choice Insurance - Key Highlights

  • 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 Choice Insurance

  • Coverage for travelers travelling outside their home country.
  • Offers medical maximum of $5 million.
  • AM Best Rating: "A" (Excellent)
  • Underwritten by Certain Underwriters at Lloyd's of London.

Compare Liaison Travel Plans by Seven Corners

Compare and review Liaison travel insurance offered by seven corners; Liaison Travel Economy, Liaison Travel Choice, Liaison Travel Elite plans
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Liaison Travel Economy Insurance satisfies Schengen visa requirements To download the visa letter for liaison Travel Economy insurance, please refer the payment confirmation email that provides you a link "View Coverage Letter" under Summary of Benefits. Click on Schengen Visa Letter button to obtain the letter. List of nationalities who need Schengen Visa.

A working example of using Liaison Travel Choice insurance (Offered by Seven Corners)

Consider an example - Inside the PPO Network

  • Insurance coverage is $50,000
  • Deductible is $100 per certificate period
  • Coinsurance for claims incurred inside US After the deductible, 90% of first $5,000 and then 100% to the policy limit
  • Your claims for medical expenses is $24,100
Below is a simple calculation showing how much the plan/insurance company pays you:
  1. Subtract the deductible from claims amount - $24,100 minus $100 equals $24,000. Insured bears $100
  2. Apply 90% coinsurance for first $5,000 of $24,000. i.e. $5,000*0.90 equals $45000. Insured bears $500
  3. Plan/insurance company pays: $24,000 minus $500 equals $23,500 and insured bears $600
Expense Amount billed Amount Insurance Pays Amount Insured Owes
Deductible $100 $0 $100
Days in hospital $2,000/day for 3 days $4,500+$1,000 $500 (90% of first $5,000)
Surgery $16,000 $16,000 $0
Prescription Drugs $600 $600 $0
X Ray $1,400 $1,400 $0
Total: $24,100 $23,500 $600

Consider an example - Out of PPO Network

  • Insurance coverage is $50,000
  • Deductible is $100 per certificate period
  • Coinsurance for claims incurred inside US After the deductible, 80% of first $5,000 and then 100% to the policy limit
  • Your claims for medical expenses is $24,100
Below is a simple calculation showing how much the plan/insurance company pays you:
  1. Subtract the deductible from claims amount - $24,100 minus $100 equals $24,000. Insured bears $100
  2. Apply 80% coinsurance for first $5,000 of $24,000. i.e. $5,000*0.80 equals $4000. Insured bears $1,000
  3. Plan/insurance company pays: $24,000 minus $1,000 equals $23,000 and insured bears $1,100
Expense Amount billed Amount Insurance Pays Amount Insured Owes
Deductible $100 $0 $100
Days in hospital $2,000/day for 3 days $4,000+$1,000 $1,000 (80% of first $5,000)
Surgery $16,000 $16,000 $0
Prescription Drugs $600 $600 $0
X Ray $1,400 $1,400 $0
Total: $24,100 $23,000 $1,100
  • Advantages
  • Disadvantages
  • Restrictions
  • Exclusions
  • Claims
adv-icon Liaison Travel Choice Advantages
  • Comprehensive visitors insurance.
  • Liaison Travel Choice also covers terrorism, emergency medical reunion, return of minor children, trip interruption and baggage loss.
  • Only one time deductible per period of coverage.
  • Cancellation and refund of full premium before policy start date.
disad-icon Liaison Travel Choice Disadvantages
  • It is a fixed benefit plan.
  • $15,000 coverage offered for travelers older than 80 years.
  • Non US Citizens are not eligible for coverage if they have been residing in the U.S.
special-coverage Liaison Travel Choice Restrictions
  • State Restrictions: The plan will not accept a mailing address in Maryland, Washington, New York, South Dakota, and Colorado.
  • Country Restrictions: The plan will not accept an address in Islamic Republic of Iran, Syrian Arab Republic, U.S. Virgin Islands, Gambia, Ghana, Nigeria, and Sierra Leone.
exclusion-icon Liaison Travel Choice Exclusions
  1. 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.
  2. Claims not received by the Company or Administrator within ninety (90) days of the date of service:
  3. 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;
  4. . 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;
  5. Routine physicals, inoculations, or other examinations or tests conducted when there is no objective indications or impairments in normal health;
  6. Chiropractic care or acupuncture;
  7. Services, supplies, medications, testing, or Treatment prescribed, performed, or provided by a Relative or Immediate Family Member;
  8. Durable medical equipment;
  9. 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;
  10. Replacement of artificial limbs, eyes, larynx, and orthotic appliances;
  11. Custodial Care, Educational or Rehabilitative Care, or any Treatment in any establishment for the care of the aged;
  12. Vocational, occupational, sleep, speech, recreational, or music therapy;
  13. 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;
  14. Sleep apnea or other sleep disorders;
  15. Mental and Nervous Disorder, Rest Cures, learning disabilities, attitudinal disorders, or disciplinary problems;
  16. Congenital abnormalities and conditions arising out of or resulting therefrom.
  17. Temporomandibular joint;
  18. Occupational Diseases;
  19. Exposure to non-medical nuclear radiation or radioactive materials;
  20. Sexually-transmitted diseases, venereal diseases, and conditions and any consequences thereof;
  21. Acquired Immune Deficiency Syndrome (AIDS), AIDS-Related Complex (ARC), or the Human Immunodeficiency Virus (HIV);
  22. 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;
  23. 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;
  24. Acne, moles, skin tags, disease of sebaceous glands, seborrhea, sebaceous cyst, unspecified disease of the sebaceous glands, hypertrophic and atrophic conditions of skin, nevus;
  25. Hazardous Activities unless You purchase optional hazardous activities coverage and then only for the activities covered under that option under Section 7;
  26. 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;
  27. . 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;
  28. Suicide or any attempt thereof; self-destruction or any attempt thereof; or any intentionally self-inflicted Injury or Illness;
  29. Terrorist Activity except as provided under Section 5.10; War, Hostilities, or War-Like Operations;
  30. Commission of a criminal offense or any other criminal or illegal activity as defined by the local governing body;
  31. 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;
  32. 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;
  33. Treatment paid for or furnished under any other individual, government, or group policy or Expenses incurred at no cost to You;
  34. (ii) You while in Your Home Country unless covered under Section 3.8 or 3.9;
  35. Conditions for which travel was undertaken to seek Treatment after Your Physician has limited or restricted travel;
  36. Travel accommodations;
  37. 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;
  38. 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;
  39. 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
  40. Participating in contests of speed or riding or driving in any type of competition
  41. Loss of life;
  42. Long-term disability; or
  43. Financial guarantee, financial default, bankruptcy, or insolvency risks.
claims-icon Liaison Travel Choice claims
Please visit: : Seven Corners Claims Forms
Toll Free Number: 1.800.335.0477
Claims Department:
Fax: (+1) 317-575-2256
Seven Corners, Inc
. Attn: Claims
303 Congressional Boulevard
Carmel, IN 46032 USA

What are some insurance terms important in Liaison Travel Choice Insurance reviews?

  • Plan Maximum coverage of Liaison Travel Choice travel insurance:
    This the maximum coverage that the plan would offer for the medical expenses. Liaison Travel Choice insurance offers maximum coverage up to 5 million. The coverage may vary for older travelers with reduced plan maximum, Liaison Travel Choice offer $15,000 maximum for older travelers above 80 years.
  • What is a deductible in Liaison Travel Choice visitors insurance?
    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 Choice insurance offer a set of deductible options for the travelers to choose from. Liaison Travel Choice insurance has a range of deductible option from $0 up to $5,000.
  • What is a provider network of Liaison Travel Choice Medical Insurance?
    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.
  • What is coinsurance in Liaison Travel Choice visitor insurance?
    This is a percentage of the bill that the travel has to pay. Liaison Travel Choice plan have 100% coinsurance coverage outside USA.
    For coverage inside USA:
    Liaison Travel Choice pays
    90% of the first $5,000, then 100% to the medical maximum.
    80% of the first $5,000, then 100% to the medical maximum.
  • Renewability of Liaison Travel Choice Travel health insurance
    Liaison Travel Choice Insurance can be renewed from 5 days to 364 days.
  • Eligibility to buy Liaison Travel Choice Insurance Online
    Both these US visitor insurance plans offer comprehensive medical coverage to Non US citizens visiting US for a short period.
  • Liaison Travel Choice Pre-existing conditions Visitors Insurance for international travelers
    Liaison Travel Choice insurance offers coverage for acute onset of pre-existing conditions up to the age of 70 years for acute onset of pre-existing conditions.
    Liaison Travel Choice offers
    $30,000 for travelers aged 0-69 years
    $5,000 for travelers above 70 years

Note: For new policies starting after May 1, 2020, Seven Corners plans (Liaison travel insurance, Liaison Student Insurance and other plans) will NOT offer coverage for COVID-19 disease.

Frequently asked questions about Seven corners international travel insurance coverage for Coronavirus

Yes, International travel insurance offers coverage for other illness, injury or accident as long as the person does not travel.

If the US government allows them to travel then yes!

Seven corners travel medical insurance coverage for Coronavirus (Covid 19)

  • If you become ill with Coronavirus and see a doctor and/or go to the hospital during a trip, your medical expenses can be covered.
  • If you require an emergency medical evacuation and repatriation* due to Coronavirus, this can be covered.
  • If you reside in New York, Colorado, Maryland, or South Dakota, benefits on your plan may include coverage for a Missed Connection related to COVID-19.
    • To trigger this coverage, you must miss a cruise or tour departure due to a delay for the required time length (stated in the plan document) if the delay is caused by a covered reason.
    • Covered reasons that could apply for COVID-19 include:
      • Any delay of a common carrier (the delay must be certified by the common carrier)
      • Quarantine

*Note: The ability for Seven Corners to execute an emergency medical evacuation and/or repatriation may be limited due to travel and other restrictions. Some emergency evacuation providers and airlines have restricted and eliminated their services in specific areas.

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