Travel Insurance That Covers Pre-Existing Conditions

Liaison International for Pre-Existing Conditions

Three options for international travelers with pre-existing conditions

Why we like it:

We like this travel insurance that covers pre-existing conditions for up to age 80+. It has 3 levels to choose from as well as a great price if you are traveling with a companion – You can be on one policy together, even if unrelated, instead of each having to sign up individually. You can also be on this policy for five days up to 363 days (Or up to three years on Elite). No matter where you go, Liaison Travel Medical Insurance follows you with: Comprehensive medical coverage, An extensive network of providers, and 24-hour travel assistance.

NOTE: We cannot sell to residents of Maryland, Washington, New York, South Dakota, and Colorado. However, your policy will cover travel to those states. We also cannot accept addresses in Iran, Syria, United States Virgin Islands, Gambia, Ghana, Nigeria, and Sierra Leone.

Good for:

Travel insurance that covers pre-existing conditions for up to age 80+
People traveling with a companion can be on same policy
People needing optional AD&D or hazardous sports coverage
Three levels to choose from

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Liaison International travel insurance that covers pre-existing conditions

Highlights

Liaison International is Travel Insurance that covers pre-existing conditions:

Liaison offers three options: Economy, Choice, and Elite (“Good, Better, and Best”) – All can include, or exclude, the U.S.
U.S. citizens traveling to the U.S. are not eligible for this plan
If any part of the trip is in the U.S., choose “Include the U.S.”
All travelers must travel outside of their home country. United States citizens cannot buy a Liaison plan for travel to the United States and U.S. territories. “What is my home country?”
For non-United States citizens, it is the country where you have your permanent residence.
For United States citizens, including those with dual-citizenship, it is always the United States.
Travel Companions can be on one policy together, even if unrelated
– For example: You, your spouse, your child, your child’s friend who is traveling with your family
– For example: You and three friends all traveling together.
Optional Hazardous Sports Coverage
Multiple languages supported
Puede inscribirse en español :: Can sign up in Spanish
Folleto en español :: Brochure in Spanish
View all languages :: Click on Google > Use “Translate to _____ ” at top

Additional Information On Liaison Economy

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Additional information on Liaison Economy

Available up to 364 days
In PPO in USA, after deductible coinsurance, we pay 80% of the next $5000, then 100%
Out of PPO in USA, after deductible coinsurance, we pay 70% of the next $5000, then 100%
Outside the U.S. Hospital Indemnity of $100/night
$10,000 Accidental Death and Dismemberment benefit (AD&D)Please see the brochure for complete benefits

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Additional Information On Liaison Choice

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Additional information on Liaison Choice

Available up to 364 days
In PPO in USA, after deductible coinsurance, we pay 90% of the next $5000, then 100%
Out of PPO in USA, after deductible coinsurance, we pay 80% of the next $5000, then 100%
Outside the U.S. Hospital Indemnity of $150/night
$50,000 Accidental Death and Dismemberment benefit (AD&D)Please see the brochure for complete benefits

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Additional Information On Liaison Elite

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Additional information on Liaison Elite

Available up to 3 years
In PPO in USA, after deductible coinsurance, we pay 100%
Out of PPO in USA, after deductible coinsurance, we pay 90% of the next $5000, then 100%
Outside the U.S. Hospital Indemnity of $250/night
$100,000 Accidental death and Dismemberment (Ad&D) benefitPlease see the brochure for complete benefits

*For Treatment in the U.S., failure to pre-certify, will result in a 25% penalty for non-emergencies.

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SC Liaison International Insurance

More On Liaison Travel Insurance (Including Pre-Existing Conditions)

All three plans now have a medical maximum benefit of $5 million dollars USD, and feature the WellCard™ discount & savings card.
Economy and Choice plans allow for a minimum of 5 days up to 364 days while Elite has minimum of 5 days and a maximum of 1,092 days (3 years).

Travel Companions can be on one policy together, even if unrelated

For example: You, your spouse, your child, your child’s friend who is traveling with your family
For example: You and three friends all traveling together.

PPO incentives if treated in the USA in network using the UnitedHealthCare network. However, can go to the network of your choice.

Renewal e-mails sent at 30, 7 and 1 day before expiration.

Extension of benefits in home country after trip:
Economy = $5,000
Choice = $10,000
Elite = $20,000

Incidental return to home country = 5 days for every 30 days of coverage
Economy = $5,000
Choice = $10,000
Elite = $20,000

For Treatment in the U.S., failure to pre-certify, will result in a 25% penalty for non-emergencies.
These plans are not PPACA-compliant, nor are they required to be.

Plans include:

Natural disaster evacuation
Natural disaster daily benefit
Political evacuation
Felonious assault
Terrorism
See brochure for a complete list of travel and medical benefits
We cover typical types of vacation activities in all three Liaison plans. However, if you plan to participate in more adventurous activities when you travel, consider buying the optional adventure sports rider for:
- bungee jumping
- caving
- hang gliding
- jet skiing
- motorcycle or motor scooter riding (whether as a passenger or a driver)
- parachuting
- parasailing
- scuba diving (to a depth of 10 meters with a breathing apparatus provided that you are SSI, PADI or NAUI certified)
- snowmobiling
- spelunking
- wakeboard riding
- water skiing
- windsurfing
- zip lining

You must purchase this optional coverage if you wish to be covered while riding a motorcycle, motor scooter, or similar transportation when such transportation is an established and accepted routine means of public transportation for hire in the specific geographic area where you are located in the host country.

Excludes injuries sustained while participating in professional Athletics, amateur Athletics, or interscholastic Athletics including, but not limited to, events, games, matches, practice, training camps, sports camps, conditioning, and any other activity related thereto but excluding non-competitive, recreational, or intramural activities

Geographic Restrictions

Due to state licensing restrictions – We cannot sell to residents of Maryland, Washington, New York, South Dakota, and Colorado. However, your policy will cover travel to those states.

Due to country restrictions – We cannot accept an address in Islamic Republic of Iran, Syrian Arab Republic, United States Virgin Islands, Gambia, Ghana, Nigeria, and Sierra Leone.

Destination Restrictions – We cannot cover trips to Islamic Republic of Iran and Syrian Arab Republic.

Old and new – Liaison is now simpler, with better benefits!

Liaison Economy is, in some ways, similar to the older Liaison International.
Liaison Choice is, in some ways, similar to the older Liaison Continent.
Liaison Elite is, in some ways, similar to the older Liaison Majestic.

Medical Meximum Options

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Benefits are paid in excess of your deductible and coinsurance up to your medical maximum.

Economy – Ages 14 days to 69 years:

Choose a medical maximum: $50,000, $100,000, $500,000, $1,000,000, $2,000,000, $5,000,000
Ages 70-79: Choose a medical maximum: $50,000, ($50,000, $100,000 – excluding travel to the United States)
Ages 80+: $15,000

Choice – Ages 14 days to 69 years:

Choose a medical maximum: $50,000, $100,000, $500,000, $1,000,000, $2,000,000, $5,000,000
Ages 70-79: Choose a medical maximum: $50,000, ($50,000, $100,000 – excluding travel to the United States)
Ages 80+: $15,000

Elite – Ages 14 days to 69 years:

Choose a medical maximum: $50,000, $100,000, $500,000, $1,000,000, $2,000,000, $5,000,000
Ages 70-79: Choose a medical maximum: $50,000, ($50,000, $100,000 – excluding travel to the United States)
Ages 80+: $20,000

Pre-existing Conditions:

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Waiver of Pre-existing Condition – United States Resident outside the United States
Pays up to specified limit for a sudden, unexpected recurrence of a pre-existing condition.
Does not cover known, required, or expected treatment of any kind existent or necessary for 12-months prior to your coverage.

Liaison Economy
Age 0-69: $25,000
Age 70 & over: $5,000

Liaison Choice
Age 0-69: $50,000
Age 70 & over: $10,000

Liaison Elite
WITH A PRIMARY HEALTH PLAN
Age 0-64: To the medical maximum

WITHOUT A PRIMARY HEALTH PLAN
Age 0-64: Up to $50,000 / Ages 65+ $2,500

Acute Onset of a Pre-existing Condition: Non-United States Residents in the United States

Liaison Economy
Age 0-69: $15,000
Age 70 & over: $2,500

Liaison Choice
Age 0-69: $30,000
Age 70 & over: $5,000

Liaison Elite
Age 0-69: $50,000
Age 70 & over: $10,000

Pre-existing details

Pre-existing Conditions –
Any medical condition, sickness, injury, illness, disease, mental Illness or mental nervous disorder whether or not previously manifested, symptomatic, known, diagnosed, treated or disclosed at the time of application.

Waiver of Pre-existing Conditions – United States 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.

Acute Onset of a Pre-existing Condition Non-United States Residents under age 70 traveling in the United States
We pay up to $50,000 (ages 70+ limited to $10,000) 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 preexisting 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.

Additional Information

SEVEN CORNERS ASSIST

What happens if you are sick in an area without appropriate medical care? If medically necessary, we will arrange and pay to evacuate you to the nearest appropriate medical facility.

24/7 Travel Assistance – We can provide local weather details, currency rates, embassy contact information, interpreter referrals, help with lost passport recovery, and pre-trip information including inoculation and visa requirements.

24/7 Medical Assistance – We can help you locate appropriate medical care and arrange second opinions, emergency medical evacuations, medical transportation home after treatment, escorts and transportation for unaccompanied child(ren) and medical record transfers.

Contact information for Seven Corners Assist is provided on your ID card.
TOLL FREE 1-800-690-6295
COLLECT CALLS 317-818-2808
assist@sevencorners.com

Here at Good Neighbor Insurance it is very important for us to connect with you.

As an international service provider, we want to be sure that you are taken care of while you, your family, and your friends are traveling or residing around the world. It is our honor to serve you!

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