| Brochure & Details links |
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| Coronavirus coverage |
| Not Covered |
Not Covered |
Liaison Travel Plus covers usual, Reasonable, and Customary up to medical maximum or $100,000; whichever is less |
| Underwriter |
Liaison Elite Insurance Underwriter
Certain Underwriters at Lloyd's of London |
Liaison Choice Insurance Underwriter
Certain Underwriters at Lloyd's of London |
Liaison Travel Plus Insurance Underwriter
Certain Underwriters at Lloyd's of London |
| Rating |
Liaison Elite Insurance Rating
AM Best Rating: "A"(Excellent) |
Liaison Choice Insurance Rating
AM Best Rating: "A" (Excellent) |
Liaison Travel Plus Insurance Rating
AM Best Rating: "A"(Excellent) |
| Length of Coverage |
Minimum: 5 days
Maximum: 1,092 days (Renewable up to 3 years) |
Minimum: 5 days
Maximum: 364 days |
Minimum: 5 days
Maximum: 364 days |
| Medical Maximum Options |
Worldwide including US
Ages 14 days to 64 years: $50,000; $100,000; $500,000; $1,000,000
Ages 65 to 69 years: $50,000; $100,000
Ages 70 to 79 years: $50,000
80 years and older: $10,000
Worldwide excluding US
Ages 14 days to 64 years: $50,000; $100,000; $500,000; 1,000,000; $2,000,000; $5,000,000
Ages 65 to 79 years: $50,000; $100,000
80 years and older: $10,000
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Worldwide including US
Ages 14 days to 64 years: $50,000; $100,000; $500,000; $1,000,000
Ages 65 to 69 years: $50,000; $100,000
Ages 70 to 79 years: $50,000
80 years and older: $10,000
Worldwide excluding US
Ages 14 days to 64 years: $50,000; $100,000; $500,000; 1,000,000; $2,000,000; $5,000,000
Ages 65 to 79 years: $50,000; $100,000
80 years and older: $10,000 |
Worldwide including US
Age 14 days to 69: $50,000; $100,000; $500,000; $1,000,000
Ages 65-69 : $50,000; $100,000
Ages 70-74 : $50,000
Worldwide excluding US
Age 14 days to 64: $50,000; $100,000; $500,000; 1,000,000; $2,000,000; $5,000,000
Ages 65-74 : $50,000, $100,000
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| Deductible Options |
Ages 14 days to 64 years: $0; $100; $250; $500; $1,000; $2,500; $5,000
Ages 65 to 79 years: $250; $500; $1,000; $2,500; $5,000
80 years and older: $500; $1,000; $2,500; $5,000 |
Ages 14 days to 64 years: $0; $100; $250; $500; $1,000; $2,500; $5,000
Ages 65 to 79 years: $250; $500; $1,000; $2,500; $5,000
80 years and older: $500; $1,000; $2,500; $5,000 |
Ages 14 days to 64 years:$50,000; $100,000; $500,000; 1,000,000; $2,000,000; $5,000,000
Ages 65 to 74 years:$50,000; $100,000 |
| Coinsurance |
Inside the United States:
IN PPO NETWORK - The plan pays 100%.
OUT OF PPO NETWORK - The plan pays 90% of the first $5,000, then 100% to the medical maximum.
Outside the United States:
The plan pays 100%. |
Inside the United States:
IN PPO NETWORK - The plan pays 90% of the first $5,000, then 100% to the medical maximum.
OUT OF PPO NETWORK - The plan pays 80% of the first $5,000, then 100% to the medical maximum.
Outside the United States:
The plan pays 100%. |
Inside the United States:
IN PPO NETWORK - The plan pays 90% of the first $5,000, then 100% to the medical maximum.
OUT OF PPO NETWORK - The plan pays 80% of the first $5,000, then 100% to the medical maximum.
Outside the United States:
The plan pays 100%. |
| Eligibility |
- Individuals and families(including unmarried dependent children over 14 days and under 19 years of age) while traveling outside of their home country.
- United States citizens cannot buy a Liaison plan for travel to the United States and U.S. territories.
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- Individuals and families(including unmarried dependent children over 14 days and under 19 years of age) while traveling outside of their home country.
- United States citizens cannot buy a Liaison plan for travel to the United States and U.S. territories.
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- Individuals and families including unmarried dependent children traveling outside of their Home Country.
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| Renewability |
Yes. If you initially buy less than 364 days of coverage, you may buy additional time, to a total of 1,092 days. A new deductible and coinsurance applies beginning the 365th day and again the 729th day, but your original effective date is used to calculate your deductible and coinsurance and to determine pre-existing conditions.
$5 administrative fee is charged for each renewal. |
Yes. If you initially buy less than 364 days of coverage, you may buy additional time, to a total of 364 days. Your original effective date is used to calculate your deductible and coinsurance and to determine pre-existing conditions.
$5 administrative fee is charged for each renewal. |
Yes. If you initially buy less than 364 days of coverage, you may buy additional time, to a total of 364 days. Your original effective date is used to calculate your deductible and coinsurance and to determine pre-existing conditions.
$5 administrative fee is charged for each renewal. |
| Acute Onset of Pre-existing conditions |
WITH A PRIMARY HEALTH PLAN:
Worldwide Including the United States :
14 days to 64 years:$1,000,000
65 years and older:Not Available
WITHOUT A PRIMARY HEALTH PLAN:
Worldwide Excluding the United States:
14 days to 64 years:$50,000
65 to 79 years:$2,500
80 years and older:Not Available |
Worldwide Including the United States :
14 days to 64 years:$10,000
65 to 79 years:$5,000
80 years and older:Not Available
Worldwide Excluding the United States:
14 days to 64 years:$50,000
65 to 79 years:$10,000
80 years and older:Not Available |
Worldwide Including the United States:
Ages 14 days to 64 years:$10,000
Ages 65 to 74 years:$5,000
Worldwide Excluding the United States:
Ages 14 days to 64 years:$50,000
Ages 65 to 74 years:$10,000 |
| Accidental Death and Dismemberment |
$50,000 primary insured & travel companion; $10,000 child
Aggregate limit of $250,000 for total number of insureds on plan |
$25,000 primary insured & travel companion; $5,000 child
Aggregate limit of $250,000 for total number of insureds on plan |
Worldwide Including the United States:
Ages 14 days to 64 years:$10,000
Ages 65 to 74 years:$5,000
Worldwide Excluding the United States:
Ages 14 days to 64 years:$50,000
Ages 65 to 74 years:$10,000 |
| Emergency Medical Evacuation & Repatriation |
| Up to $1,000,000 |
Up to $500,000 |
Up to $500,000 |
| Common Carrier Accidental Death |
$100,000 primary insured & travel companion; $20,000 child
Aggregate limit of $250,000 for total number of insureds on plan |
$50,000 primary insured & travel companion; $10,000 child
Aggregate limit of $250,000 for total number of insureds on plan |
$50,000 primary insured & travel companion; $10,000 child
Aggregate limit of $250,000 for total number of insureds on plan |
| LocaL Ambulance |
| Up to medical maximum |
Up to $10,000 |
Up to $10,000 |
| Terrorism |
| Up to $50,000 |
Up to $25,000 |
Up to $25,000 |
| Hospital Indemnity |
| $250/night to a maximum of 30 days per occurrence, while traveling outside the U.S. & Canada. |
$150/night to a maximum of 30 days per occurrence, while traveling outside the U.S. & Canada. |
$150/night to a maximum of 30 days per occurrence, while traveling outside the U.S. & Canada. |
| Trip Delay / Interruption |
- Loss of Checked Luggage: Up to $50 per article. $1,000 per occurrence maximum
- Trip Interruption: Up to $10,000
- Personal liability: Up to $100,000
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- Loss of Checked Luggage: Up to $50 per article. $500 per occurrence maximum
- Trip Interruption: Up to $5,000
- Personal liability: Up to $50,000
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- Loss of Checked Luggage: Up to $50 per article. $500 per occurrence maximum
- Trip Interruption: Up to $5,000
- Personal liability: Up to $50,000
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| Local Burial / Cremation |
| Up to $5,000 |
Up to $5,000 |
Up to $5,000 |
| Dental |
- Sudden Relief of Pain - Up to $250
- Accident - Up to $1,000
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- Sudden Relief of Pain - Up to $200
- Accident - Up to $500
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- Sudden Relief of Pain - Up to $200
- Accident - $500
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| Unique Advantages |
Liaison Elite Insurance Advantages:
- Comprehensive visitors insurance.
- Liaison Travel Elite 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.
- With minimum $50,000 coverage and $0 deductible, this plan satisfies Schengen visa up to the age of 79 years.
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Liaison Choice Insurance 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.
- With minimum $50,000 coverage and $0 deductible, this plan satisfies Schengen visa up to the age of 79 years.
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Liaison Travel Plus Insurance Advantages:
- It offers coverage for overseas medical expenses arising from Covid19 infection while the travellers are outside their home country.
- Comprehensive visitors insurance.
- Liaison Travel Elite 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.
- With minimum $50,000 coverage and $0 deductible, this plan satisfies Schengen visa up to the age of 65 years.
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| Other Information |
- Hospital Room & Board, Inpatient Hospital Services, Outpatient Hospital/Clinic Services, Emergency Room, Doctor's Office Visits, Prescription Drugs covered up to medical maximum.
- Emergency Medical Reunion: Up to $200 per day / $100,0000 maximum
- Incidental Trips to Home Country: Up to $20,000
- Coma Benefit: Up to $50,000
- Felonious Assault: Up to $20,000
- Natural Disaster Evacuation / Political Evacuation & Repatriation: Up to $100,000
- Home Healthcare: Up to $2,500
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- Hospital Room & Board, Inpatient Hospital Services, Outpatient Hospital/Clinic Services, Emergency Room, Doctor's Office Visits, Prescription Drugs covered up to medical maximum.
- Emergency Medical Reunion: Up to $200 per day / $50,000 maximum
- Incidental Trips to Home Country: Up to $10,000
- Coma Benefit: Up to $25,000
- Felonious Assault: Up to $10,000
- Natural Disaster Evacuation / Political Evacuation & Repatriation: Up to $50,000
- Home Healthcare: Up to $2,500
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- Hospital Room & Board, Inpatient Hospital Services, Outpatient Hospital/Clinic Services, Emergency Room, Doctor's Office Visits, Prescription Drugs covered up to medical maximum.
- Emergency Medical Reunion: Up to $200 per day / $50,000 maximum
- Incidental Trips to Home Country: Up to $10,000
- Coma Benefit: Up to $25,000
- Felonious Assault: Up to $10,000
- Natural Disaster Evacuation / Political Evacuation & Repatriation: Up to $100,000
- Home Healthcare: Up to maximum
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