Best for: Travelers while outside of their fixed and permanent residence for 5 days to 3 years. This plan has multiple coinsurance options.
Coverage Period: Up to 3 years
This plan is administered by Seven Corners and underwritten by Certain Underwriters at Lloyd’s of London, an established organization with an AM Best rating of A (Excellent).
- Receive your ID cards and policy immediately after you purchase.
- View the Liaison Travel Medical Brochure for details
Geographic Restrictions
- State Restrictions: Not available for residents of Maryland, Washington, New York South Dakota and Colorado.
- Country Restrictions: Not available for travel from Iran, Syria, US Virgin Islands, Gambia, Ghana, Nigeria and Sierra Leone.
- Destination Restrictions: Not available for travel to Iran and Syria.
Pre-Certification Requirements
The following expenses must always be pre-certified:
- Outpatient surgeries or procedures;
- Inpatient surgeries, procedures, or stays including those for rehabilitation;
- Diagnostic procedures including MRI, MRA, CT, and PET Scans;
- Chemotherapy;
- Radiation therapy;
- Physical and occupational therapies;
- Home infusion therapy;
- Home Health Care.
To comply with the pre-certification requirements, you must:
- Contact Seven Corners Assist before the expense is incurred;
- Comply with Seven Corners Assist’s instructions;
- 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.
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:
- Eligible medical expenses will be reduced by 25%; and
- The deductible will be subtracted from the remaining amount; and
- Coinsurance will be applied.
Pre-certification does not guarantee benefits – Pre-certification does not guarantee coverage for, or payment of expenses.