Plan Administrator: Seven Corners | AM Best Rating: A "Excellent" | Underwriter: Llyod's of London & Tramont Insurance Company Ltd.
All coverages and plan costs are shown in U.S. Dollar amounts and are per person and per period of coverage unless otherwise noted. Coverage period length is a maximum of 187 days.
MEDICAL MAXIMUM PER PERSON: $50,000; $100,000; $500,000; $1,000,000 Please see rate table for age limitations applied to medical maximums.
DEDUCTIBLE: $0; $100; $250; $500; $1,000; $2,500. There is a maximum of 3 coverage period deductibles per family.
COINSURANCE: (applied per period of coverage)
Inside of the United States
Plan A: After you pay the deductible, we pay 80% of the next $5,000 of expenses, then 100% to the medical maximum.
Plan B: After you pay the deductible, we pay 75% of expenses to the medical maximum.
Outside of the United States
Plan E: After you pay the deductible, we pay 100% of expenses to the medical maximum.
Plan F: After you pay the deductible, we pay 80% of expenses to the medical maximum.
HOSPITAL INDEMNITY: $150/night to a maximum of 30 days per occurrence, while traveling outside the U.S.
DENTAL EMERGENCY (SUDDEN RELIEF OF PAIN): $100 (available for coverage periods longer than one month).
DENTAL EMERGENCY (ACCIDENT COVERAGE): Up to the medical maximum (available for coverage periods longer than one month).
EMERGENCY MEDICAL EVACUATION/REPATRIATION*: $1,000,000 in addition to the medical maximum).
RETURN OF MORTAL REMAINS*: $50,000 (includes $5,000 for local cremation or burial).
POLITICAL EVACUATION*: $10,000
TERRORISM: Up to the medical maximum.
RETURN OF MINOR CHILDREN*: $50,000
EMERGENCY REUNION*: $50,000
LOCAL AMBULANCE EXPENSE: Up to the medical maximum.
COMA BENEFIT: $50,000 (in addition to the medical maximum).
FELONIOUS ASSAULT: $10,000 (in addition to the medical maximum).
ACCIDENTAL DEATH & DISMEMBERMENT (AD&D): $50,000 for insured or insured spouse, $5,000 for Dependent Children; $250,000 maximum per family.
Note: In the event of a Common Carrier Accidental Death, this benefit will not be paid.
COMMON CARRIER ACCIDENTAL DEATH: $100,000 for insured or insured spouse; $25,000 per child under the age of 19; $250,000 maximum per family.
LOSS OF CHECKED LUGGAGE: $250 per occurrence.
INTERRUPTION OF TRIP*: $5,000
HOME COUNTRY COVERAGE: Incidental Trips to the home country: $50,000
Extension of Benefits: $5,000
HOSPITAL ROOM & BOARD, INTENSIVE CARE, & OUTPATIENT MEDICAL EXPENSES: Usual, reasonable & customary to the medical maximum.
WAIVER OF PRE-EXISTING CONDITIONS: Up to $25,000 for U.S. residents under age 70 traveling outside the United States (age 70+, up to $5,000).
ACUTE ONSET OF A PRE-EXISTING CONDITION: Up to $25,000 for non-U.S. residents under age 65 traveling in the United States (age 65-69 up to $2,000, age 70+ there is no benefit).
NATURAL DISASTER: Up to $200 per day for 5 days.
NATURAL DISASTER EVACUATION*: $10,000 (for travel outside the U.S.)
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 Extension of Benefits.
PRE-CERTIFICATION REQUIREMENTS: Applies to treatment in the United States. See pre-certification section for details.
*Seven Corners Assist must make all arrangements for services.
MEDICAL COVERAGE - We cover injuries and illnesses which occur during your period of coverage. Benefits are paid in excess of your deductible and coinsurance up to your medical maximum.
EMERGENCY MEDICAL EVACUATION - If medically necessary, we will:
POLITICAL EVACUATION - If a formal recommendation is made for you to leave your host country, we will transport you to your home country. This benefit will not apply if a formal Travel Warning was issued by the State Department, and you did not follow it.
EMERGENCY REUNION - If you require an emergency medical evacuation, we will send one person of your choice to be at your side while you are hospitalized.
RETURN OF MINOR CHILDREN - If you are traveling alone with minor children and are hospitalized because of a covered illness/injury, we will transport the children home with an escort.
INTERRUPTION OF TRIP - If you cannot continue your trip due to an immediate family member’s death or because of damage to your residence (fire, flood, tornado, or similar natural disaster), we will reimburse you for the cost of economy travel to your home.
RETURN OF REMAINS - We will return your remains to your home country if you should die while traveling.
ACCIDENTAL DEATH AND DISMEMBERMENT (AD&D) - Pays benefits for death, loss of limbs, or loss of sight due to an accident occurring while on your trip.
COMMON CARRIER AD&D - Pays benefits for death occurring while riding as a passenger on a common carrier (motorized land, sea, or air conveyance operating to transport passengers for hire).
HOSPITAL INDEMNITY - If you are hospitalized while traveling outside of the United States, we will pay you for each night you spend in the hospital, up to 30 days. This benefit is in addition to other covered expenses, and you may use these incidental funds as you wish.
INCIDENTAL TRIPS - Covers an illness/injury which occurs on an incidental trip in your home country. You earn covered days at home at approximately 5 days per month of purchased coverage.
EXTENSION OF BENEFITS - Covers expenses incurred in your home country for conditions first diagnosed and treated outside your home country.
COMA BENEFIT - Pays benefits if you become comatose due to an accident.
FELONIOUS ASSAULT - Pays benefits if you are injured as the result of a felonius assault while traveling.
TERRORISM - If you are injured as a result of terrorist activity, we will provide benefits if the following conditions are met:
1. You have no direct or indirect involvement.
2. The terrorist activity is not in a country or location where the United States government has issued a travel warning within 6 months prior to your date of arrival.
3. You have not unreasonably failed or refused to depart a country or location following the date a warning is issued by the United States government.
NATURAL DISASTER - We will pay for replacement accommodations needed because of a natural disaster. You must provide proof of payment for the accommodations from which you were displaced.
NATURAL DISASTER EVACUATION - If you need an emergency evacuation due to a natural disaster which makes your host country location uninhabitable (as deemed by Seven Corners security personnel and as described in the plan document), we will arrange and pay for evacuation from a safe departure point to the nearest safe location. We will arrange and pay up to a maximum of 3 days for accommodations related to lodging if you are delayed at the safe location. We will also arrange and pay for one-way economy airfare to return you to your home country following evcauation.
Pre-existing conditions are normally not covered on travel medical plans. Liaison Continent provides this coverage in two separate benefits explained below.
U.S. Residents traveling outside the United States We 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.
Non-U.S. Residents under age 70 traveling in the United States We pay up to $25,000 (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, and if you receive treatment in the United States within 24 hours of the sudden and 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.
An Acute Onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence of a pre-existing condition which occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms and requires urgent care. A pre-existing condition that is a congenital condition or that gradually becomes worse over time will not be considered an acute onset. A pre-existing condition will not be considered an acute onset if during the 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 coverage start date.