Liaison Continent Travel Medical Insurance

Schedule of Benefits and Limits
Medical Maximum: $50,000; $100,000; $500,000; $1,000,000 (ages 80+, maximum limited to $15,000)
Deductible: $0; $100; $250; $500; $1000; $2500    Deductible is per person per policy period, maximum of 3 Policy Period deductibles per family. The selected Deductible and Coinsurance amount must be met for your Policy Period, maximum one hundred and eighty seven (187) days. (see Continuing Coverage)
Coinsurance:

Traveling to the United States:

  • Plan A: After you pay the deductible, the program pays 80% of the next $5,000 of eligible expenses, then 100% to the selected Medical Maximum.
  • Plan B: After you pay the deductible, the program pays 75% of eligible expenses to the selected Medical Maximum.

Traveling outside the United States:

  • Plan E: After you pay the deductible, the program pays 100% to the selected Medical Maximum.
  • Plan F: After you pay the deductible, the program pays 80% of eligible expenses to the selected Medical Maximum..
Hospital Indemnity $150 / night (traveling outside the US and Canada) In addition to any other Covered Expense.
Dental (Emergency) $100 or ($500 for accidents) Only available to programs purchased for 1 month or more.
Emergency Medical Evacuation / Repatriation: $300,000 per policy period (in addition to the Medical Maximum)
Home Country Coverage : Incidental Trips to The Home Country: Up to $50,000
Follow Me Home Coverage: $5,000 per policy period
Return of Mortal Remains: $50,000 per policy period
Political Evacuation: $10,000 per policy period
Terrorism: $50,000 per policy period
Emergency Reunion: $50,000 per policy period
Return of Minor Child(ren): $50,000 per policy period
Interruption of Trip: $5,000 per policy period
Loss of Checked Luggage: $250 per occurrence
Local Ambulance Expense: $5,000 per policy period
Accidental Death & Dismemberment: $50,000 Principal Sum for Insured or Insured Spouse, $5,000 for Dependent Child.
Common Carrier AD&D: $100,000 per adult, $25,000 per child(ren) under age of 19; $250,000 Maximum per family
Hospital Room & Board: Usual, reasonable and customary to the selected Policy Maximum.
Intensive Care: Usual, reasonable and customary to the selected Policy Maximum.
Outpatient Medical Expense: Usual, reasonable and customary to the selected Policy Maximum.
Waiver of a pre-existing condition Up to $25,000 per policy period for U.S. residents under age 70 traveling outside the United States & Canada
(Age 70+, up to $5, 000)
Acute Onset of a Pre-Existing Condition
(non-US residents traveling to the US)
We pay up to $45,000 (ages 65-69 limited to $2,000) for an acute onset of a pre-existing condition if it occurs during your coverage period while you are in the United States, & if you receive treatment in the United States within 24 hours of the sudden & unexpected recurrence.

Coverage is available for eligible medical expenses until the condition is no longer acute or you are discharged from the hospital. This benefit covers one acute episode per pre-existing condition. In addition, we provide up to $25,000 for emergency medical evacuation.
Natural Disaster Up to $200 per day for 5 days per policy period
Benefit Period:

180 days

What is a benefit period? It’s the amount of time you have from the date of your injury/illness to receive treatment. If your plan ends during your benefit period, you can still receive treatment if you are outside your home country. If you have returned home, there is limited coverage under the Follow Me Home benefit.

Unexpected Recurrence of a pre-existing condition

U.S. Residents traveling outside of the U.S.
This Plan shall pay, up to the specified limit for a sudden, unexpected recurrence of a pre-existing condition. This benefit does not cover known, required, or expected treatment of any kind existent or necessary for 12 months prior to your coverage.

Acute onset of a pre-existing condition

Non U.S. Residents traveling to the United States
We pay up to $45,000 (ages 65-69 limited to $2,000) for an acute onset of a pre-existing condition if it occurs during your coverage period while you are in the United States, & if you receive treatment in the United States within 24 hours of the sudden & unexpected recurrence.

An "Acute Onset of a Pre-existing Condition" is a sudden and unexpected outbreak or recurrence of a Pre-existing Condition(s) which occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent care. The Acute Onset of a Pre-existing Condition must occur after the effective date of the policy. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. A Pre-existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered Acute Onset. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or Treatments existent or necessary prior to the Effective Date of coverage.

Patient Protection and Affordable Care Act (“PPACA”): This insurance is not subject to, and does not provide certain of the insurance benefits required by, the United States PPACA. PPACA requires certain U.S. residents and citizens to obtain PPACA compliant insurance coverage. In certain circumstances penalties may be imposed on U.S. residents and citizens who do not maintain PPACA compliant insurance coverage. You should consult your attorney or tax professional to determine if PPACA’s requirements are applicable to you. The policy contains the plan benefits, including a lifetime maximum that you have selected. Please review your choices to ensure that you have sufficient coverage to meet your medical needs.