• Travel Insurance Blog

  • Tuesday, August 22, 2017

  • Covering Travelers: The Liaison Insurance Plan Benefits

    Filed Under: Blogging

International travel health insurance plans often seem similar, because they provide similar coverage. The idea behind international travel insurance plans is to safeguard the plan holder against unplanned medical emergencies during travel, and this means that coverage is often the same across plans. However, some plans offer some extra benefits, additional riders, or extended benefit amounts that differentiate them from the rest.

The Liaison International plans offer a few such benefits. For instance, the Liaison Majestic Travel Medical plan excludes pre-existing conditions with a look-back period of 36 months from coverage, as is the norm with most short term insurance plans.

However, for U.S. citizens, the plan offers an extra benefit: the look-back period is shortened to merely 12 months instead of the 36 months. Also, U.S. citizens who live in the United States are also eligible for waiver of the pre-existing conditions clause for the first $20,000 of expenses incurred outside the United States. This amount is reduced to $6,500 for those aged 65 years and over.

The Liaison plans define pre-existing conditions are those that have been diagnosed, noticed, treated, or manifested during the look-back period. The way a plan defines a pre-existing condition may determine whether or not your claim will be settled.

Travel tip: However, remember that the exclusion of the pre-existing condition may not include ongoing treatment. Read the fine print carefully.

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