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Seven Corners Liaison Travel Basic Insurance Reviews

Quotes for Liaison Travel Basic Visitor Insurance

Liaison Travel Basic Insurance Review

Liaison Travel Basic
Insurance provider
Seven Corners
PPO Network
Liaison Travel Basic Insurance Reviews
Seven Corners Liaison travel Basic insurance reviews.
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Liaison Travel Basic Underwriter
Underwritten by Certain Underwriters at Lloyd's of London.
Liaison Travel Basic Rating
AM Best Rating: "A" (Excellent)

Liaison Travel Basic links

  • Brochures
  • Comprehensive
  • Details
  • Claims
  • Provider Network
  • Renewal

Liaison Travel Basic Insurance - Key Highlights

  • This plan can be purchased by individuals traveling outside their home country.
  • 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%.
  • The maximum lifetime of the plan is 365 days and it can be renewed up to this time.
  • Acute onset of pre-existing condition coverage is available for up to people below 79 years.

Liaison Travel Basic Insurance

  • Coverage for travelers travelling outside their home country.
  • It can be renewed from 5 days to 364 days.
  • AM Best Rating: "A" (Excellent)
  • Underwritten by Certain Underwriters at Lloyd's of London.
Liaison Travel Basic

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Liaison Travel Basic Insurance satisfies Schengen visa requirements To download the visa letter for liaison Travel Basic 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 Basic 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, 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

Consider an example - Out of the PPO Network

  • Insurance coverage is $50,000
  • Deductible is $100 per certificate period
  • Coinsurance for claims incurred inside US After the deductible, 70% 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 70% coinsurance for first $5,000 of $24,000. i.e. $5,000*0.70 equals $3,500. Insured bears $1,500
  3. Plan/insurance company pays: $24,000 minus $1,500 equals $22,500 and insured bears $1,600
Expense Amount billed Amount Insurance Pays Amount Insured Owes
Deductible $100 $0 $100
Days in hospital $2,000/day for 3 days $3500+$1,000 $1500 (70% 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 $22,500 $1,600

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Liaison Travel Basic visitor insurance - Frequently asked questions

Please refer to the Liaison Travel Basic ID cards provided by SevenCorners which will have all the necessary information for reimbursement.

When you visit a medical provider, explain to them that you have Liaison Travel Basic insurance. Show them your ID card and ask them to call Seven Corners Assist if they wish to verify benefits and eligibility. Some providers may agree to bill Seven Corners directly, but they are not required to do so.

Yes, Liaison Travel Basic insurance is available up to a total of 364 days. Travelers who had initially bought for less than 364 days and wish to extend their coverage can renew Liaison Travel Basic insurance online up to 364 days.

If your travel plan is changed and want to cancel Liaison Travel Basic insurance, you have to submit a written request to cancel@sevencorners.com for cancellation and refund of your premium. The subject of the email must contain the first name and last name of the policy holder. While the body of the email must contain the name of the policy holder, birth date, certificate number and date of cancellation. If you have filed claims for reimbursement, your premium is non refundable.
Following are the cancellation policy terms and conditions:
Cancellation before effective date:

  • Full refund of premium.
Cancellation after effective date:
  • A cancellation fee will be charged will be charged by the insurance company.
  • Unused portion of the plan cost will be refunded.

Liaison Travel Basic offers coverage for acute onset of pre-existing conditions for Non US Visitors to USA. Travelers aged up to 69 years can avail coverage up to $15,000. $2,500 coverage for visitors above 70 years for acute onset of pre-existing conditions.
Waiver of Pre-existing Condition for United States Residents outside the United States: The plan pays 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. US Travelers aged up to 69 years can avail coverage up to $25,000. $5,000 coverage for travelers above 70 years for acute onset of pre-existing conditions.

Liaison Travel Basic insurance offers comprehensive coverage. After the deductible amount. If the US visitor or traveler seeks treatment with the provider network namely “UnitedHealthcare PPO, Multiplan, PHCS out of Area”. When Traveling Outside the United States, you need to visit Wellabroad.com to find healthcare provider or doctor nearest you outside the US. In the US, after the deductible amount, Liaison Travel Basic insurance pays 80% of the first $5,000, then 100% up to maximum limit. If the traveler seeks treatment with a doctor or visits a hospital outside the provider network, Liaison Travel insurance would pay 70% of the first $5,000, then 100% up to maximum limit. For coverage outside US, the plan pays 100% of the eligible expenses. For detailed working example of how it works, you can review Liaison Travel Basic insurance working example.

  • Advantages
  • Disadvantages
  • Restrictions
  • Exclusions
  • Claims
adv-icon Liaison Travel Basic Advantages
  • Very affordable plan for short term travel cover.
  • Waiver of Pre-existing Condition for US Residents outside the United States.
  • Covers Acute Onset of a Pre-existing Condition for Non US Residents in the United States.
  • Deductible per policy period.
  • Cancellation and refund of full premium provided before the policy start date.
disad-icon Liaison Travel Basic Disadvantages
  • Only $50,000 maximum coverage for travelers aged 70 - 79 years traveling to the US.
  • Only $15,000 maximum coverage for 80+ travelers.
  • Co-insurance inside US - Coinsurance applicable both for inside PPO network and outside PPO network.
  • The maximum duration of the policy including renewals cannot exceed 12 months.
  • These plan will not accept a mailing address in Maryland, Washington, New York, South Dakota, and Colorado.
  • These plans do not cover political unstable countries like Syrian Arab Republic, Nigeria, and Sierra Leone and more
special-coverage Liaison Travel Basic 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 Basic 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 Basic claims
Please visit: : Seven Corners Claims Forms
Toll Free Number: 1.800.335.0477
Claims Department:
Email: claims@sevencorners.com
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 Basic Insurance reviews?

  • Plan Maximum coverage of Liaison Travel Basic travel insurance:
    This the maximum coverage that the plan would offer for the medical expenses. Liaison Travel Basic insurance offers coverage in both Worldwide Including the United States and Worldwide Excluding the United States.In Worldwide Including the United States it offers 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 and in Worldwide Excluding the United States it offers 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
  • What is a deductible in Liaison Travel Basic 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 Basic insurance offer a set of deductible options for the travelers to choose from. Liaison Travel Basic insurance has a range of deductible option from 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
  • What is a provider network of Liaison Travel Basic 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 Basic visitor insurance?
    This is a percentage of the bill that the travel has to pay. Liaison Travel Basic plan Liaison Travel Choice plan have 100% coinsurance coverage outside USA. For coverage inside USA:
    Liaison Travel Basic 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.
  • Renewability of Liaison Travel Basic Travel health insurance
    Liaison Travel Basic Insurance can be renewed from 5 days to 364 days.
  • Eligibility to buy Liaison Travel Basic Insurance Online
    Both these US visitor insurance plans offer comprehensive medical coverage to Non US citizens visiting US for a short period.
  • Liaison Travel Basic Pre-existing conditions Visitors Insurance for international travelers
    Liaison Travel Basic insurance offers coverage for acute onset of pre-existing conditions up to the age of 79 years for acute onset of pre-existing conditions.
    Liaison Travel Basic offers
    Worldwide Including the United States:
    Ages 14 days to 64 years: $5,000
    Ages 65 to 79 years :$2,500
    80 years and older: Not Available.
    Worldwide Excluding the United States:
    Ages 14 days to 64 years: $25,000
    Ages 65 to 79 years :$5,000
    80 years and older: Not Available.

Seven Corners has introduced the new plan for covid19 is Liaison Travel Plus.

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

Will International travel insurance policies cover COVID-19 if they stay in one country or if they travel or not at all?

International travel insurance will cover all expenses from Covid-19.

Yes they can purchase a International travel insurance plan that will offer them coverage for Covid-19.

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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