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Liaison Travel Choice Insurance

Quotes for Liaison Travel Choice Visitor Insurance

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
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Liaison Travel Choice Links

  • Brochure
  • Benefits
  • Advantages
  • Disadvantages
  • Reviews
  • Comprehensive
  • Claims
  • Renewal
  • Provider Network
  • Cancellation

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.

Seven Corners Liaison Travel Choice plan summary

Liaison Travel Choice insurance underwriter
  • Underwritten by Certain Underwriters at Lloyd's of London.
Liaison Travel Choice insurance rating
AM Best Rating: "A" (Excellent)

What is the eligibility to buy Liaison Travel Choice Insurance?
Liaison Travel Choice insurance eligibility
  • Individuals and families including unmarried dependent child(ren) traveling outside of their Home Country.

Renewal Renewability - Liaison Travel Choice insurance renewal
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.

Is the Liaison Travel Choice plan available for Non US citizens visiting the US?
Definitely. The Liaison Travel Choice plan is available for anyone traveling outside their home country.
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Schengen Visa Letter
Seven Corners Liaison Travel Choice Insurance satisfies Schengen visa requirements To download the visa letter for Liaison Travel Choice insurance, please refer the payment confirmation email that provides you a link "View Coverage Letter" under Summary of Benefits. List of nationalities who need Schengen Visa.

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  • Plan Benefits
  • Claims
  • Exclusions
  • Restrictions
  • Pre-Certification
Benefits Coverage
Inpatient & outpatient medical expenses Up to policy maximum
Dental treatment - due to sudden relief of pain $200
Dental treatment - due to accident $5,000
Emergency medical evacuation & repatriation $500,000 (in addition to medical maximum)
Coinsurance intside 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.
Coinsurance outside the United States The plan pays 100%
Emergency medical reunion Up to $200 per day, $50,000 maximum
Return of minor children $50,000
Return of mortal remains $50,000
Political Evacuation & Repatriation $50,000
Coma benefit $25,000
in addition to the plan maximum
Felonious assault $10,000
in addition to plan maximum
Natural disaster $100/day, 5-day limit
Natural disaster evacuation $50,000
Terrorism $50,000
Hospital indemnity (outside the United States & Canada) $150/night to a maximum of 30 days (per occurrence)
Local ambulance $10,000
Checked baggage loss $50 per article, $500 per occurrence maximum
Trip interruption $5,000
Acute onset of pre-existing conditions coverage Age 0-69: $30,000
Age 70 years and above: $5,000
Benefit period 180 days
Optional hazardous sports up to medical maximum
Accidental Death and Dismemberment $25,000 primary insured & travel companion
$5,000 child Aggregate limit of $250,000 for total number of insureds on plan
Common Carrier Accidental Death $50,000 primary insured & travel companion
$10,000 child Aggregate limit of $250,000 for total number of insureds on plan
Personal liability $50,000
Local Burial or Cremation $5,000
Pre-certification - 25% penalty Required inside the United States, Penalty does not apply to emergency.
Extension of Benefits to Home Country $10,000
Incidental Trips to Home Country $10,000
Waiver of Pre-existing Condition
(United States Residents outside the United States)
Age 0-69:  $50,000
Age 70 & over:  $10,000
Emergency Services & Assistance limit: $25,000
Home Healthcare $2,500
Liaison Travel Choice Insurance Refund
  • Seven Corners will provide a refund of your plan cost if they receive a written request from you prior to your coverage start date. If they receive your written request after your coverage start date, the unused portion of your plan cost may be refunded minus a cancellation fee if you have not submitted any claims.
claims-icon How are Liaison travel choice insurance claims settled?
Liaison Travel Choice Insurance 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

exclusion-icon Liaison Travel Choice Insurance Exclusions
  1. Pre-Existing Condition(s) except as waived under Waiver of Pre-Existing Conditions and Acute Onset of Pre-Existing Conditions.
  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. PPregnancy, 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. Human organ or tissue transplants;
  23. Exercise programs whether prescribed or recommended by a Physician or therapist;
  24. 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;
  25. 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;
  26. Acne, moles, skin tags, disease of sebaceous glands, seborrhea, sebaceous cyst, unspecified disease of the sebaceous glands, hypertrophic and atrophic conditions of skin, nevus;
  27. Hazardous Activities unless You purchase optional hazardous activities coverage and then only for the activities covered under that option under Optional Coverage – Hazardous Activities;
  28. 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;
  29. 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;
  30. Suicide or any attempt thereof; self-destruction or any attempt thereof; or any intentionally self- inflicted Injury or Illness;
  31. Terrorist Activity except as provided under Terrorist Activity; War, Hostilities, or War-Like Operations;
  32. Commission of a criminal offense or any other criminal or illegal activity as defined by the local governing body;
  33. 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;
  34. 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;
  35. Treatment paid for or furnished under any other individual, government, or group policy or Expenses incurred at no cost to You;
  36. You while in Your Home Country unless covered under Extension of Benefits in Home Country or Incidental Trips to Home Country;
  37. Conditions for which travel was undertaken to seek Treatment after Your Physician has limited or restricted travel; Travel accommodations;
  38. 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;
  39. 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;
  40. 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
  41. Participating in contests of speed or riding or driving in any type of competition;
  42. Loss of life;
  43. Long-term disability; or
  44. Financial guarantee, financial default, bankruptcy, or insolvency risks.
special-coverage Which are the geographic restrictions for Liaison travel Choice insurance?
Liaison Travel Choice Insurance 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 Cuba, Islamic Republic of Iran, Syrian Arab Republic, United States Virgin Islands, Gambia, Ghana, Nigeria, and Sierra Leone.
  • Destination Restrictions: The plan will not cover trips to Islamic Republic of Iran and Syrian Arab Republic.
special-coverage What is pre-certification requirements for Liaison Travel Choice insurance?
Liaison Travel Choice Insurance Pre-Certification
The following expenses must always be pre-certified in the U.S. only:
  1. Outpatient surgeries or procedures;
  2. Inpatient surgeries, procedures, or stays including those for rehabilitation;
  3. Diagnostic procedures including MRI, MRA, CT, and PET Scans;
  4. Chemotherapy;
  5. Radiation therapy;
  6. Physical and occupational therapies;
  7. Home infusion therapy;
  8. Home Health Care.
To comply with the pre-certification requirements, you must:
  1. Contact Seven Corners Assist before the expense is incurred;
  2. Comply with Seven Corners Assist’s instructions;
  3. Notify all medical providers of the pre-certification requirements and ask them to cooperate with Seven Corners Assist.
Once we pre-certify your expenses, we will review them to determine if they are covered by the plan. Failure to comply with pre-certification requirements

If you do not comply with the pre-certification requirements or if the expenses are not pre-certified, we will review the expenses to determine if they are covered by the plan. If covered:
  1. Eligible medical expenses will be reduced by 25%; and
  2. The deductible will be subtracted from the remaining amount; and
  3. Coinsurance will be applied.
Pre-certification does not guarantee benefits – Pre-certification does not guarantee coverage for, or payment of expenses.

Liaison Travel Choice visitor insurance - Frequently asked questions

Please refer to the Liaison Travel Choice ID cards provided by SevenCorners at the time of enrolment which will have all the necessary information for reimbursement.

When you visit a medical provider, explain to them that you have Liaison Travel Choice 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 Choice 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 Choice insurance online up to 364 days.

If your travel plan is changed and want to cancel Liaison Travel Choice 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.

Sudden and unexpected outbreak or recurrence of a Pre-Existing Condition(s) that occurs spontaneously and without advanced warning either in the form of Physician recommendations or symptoms and requires urgent care. The Acute Onset of a Pre-Existing Condition(s) must occur after the Effective Date of Coverage and prior to the age shown in the Schedule of Benefits. Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or recurrence. A Pre-Existing Condition that is Congenital or that gradually becomes worse over time is not an Acute Onset of a Pre-Existing Condition. A Pre-Existing Condition will not be considered an Acute Onset of a Pre-Existing Condition(s) if, during the thirty (30) days prior to the acute event, You had a change in prescription or Treatment for a diagnosis related to the acute event. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs, or Treatments existent or necessary prior to arrival in the United States and prior to the Effective Date of Coverage.

Liaison Travel Choice 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 $30,000. $5,000 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 $50,000. $10,000 coverage for travelers above 70 years for acute onset of pre-existing conditions.

Liaison Travel Choice 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 Choice insurance pays 90% 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 80% 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 Choice insurance working example.

Yes, Liaison Travel Choice insurance satisfies Schengen visa insurance requirements, it has a $50,000 coverage and $0 deductible option for travelers visiting Schengen countries. After buying the plan, to download the Schengen visa letter for Liaison Travel Choice insurance, please refer the payment confirmation email that provides you a link "View Coverage Letter" under Summary of Benefits.

Group Insurance Quote

Travelling in groups?
You can buy the Liaison travel medical group insurance!
GET YOUR QUOTES!
REQUIREMENTS
  • All travellers must be traveling outside their home country.
  • The travel group must have a minimum of 5 travelers.
  • You should fill a separate application form for each trip if your group is making multiple trips.
  • US citizens cannot travel within the US on these group plans.
group travel insurance

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.

Provider network and how to find hospital or doctor?

Seven Corners maintains a wide network of health care providers. In US there are 2 options: United health care, Multiplan and PHCS Out of Area Network.

You need to check your insurance card to find any one of the below 3 logos:
healthcaremultitripphcs

Outside US: Wellabroad.com to use Seven Corners’ International Network

While calling your provider network, you need to say "my coverage uses United healthcare or Multiplan PPO network and found your name on the registry".

Do not say "I have Liaison plans or I use seven corners plan". The provider will not identify your coverage and may say that you are not covered.
Find Provider Network

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