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International
Insurance Coverage for Emergency Medical Evacuation,
EVACUATION,
REPATRIATION, AND OTHER BENEFITS
FOR THE INTERNATIONAL TRAVELER
This brochure is a brief description of Liaison Traveler. A complete description is contained in the Program Summary, which will be mailed to you together with your ID Card after the Plan Administration receives your completed application and correct premium.
Home Country (or Country of Residence) is defined as - The country where an eligible person(s) has his/her true, fixed and permanent home and principal establishment, and to which he/she has the intention of returning.
Effective Date
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Your coverage will begin on the latest of the following: Expiration Date - Your coverage will end either Three, Six or Twelve months after the Effective Date (depending upon the coverage period chosen). If you choose, coverage can be easily rewritten.
1) Standard Program
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| Increase to: | 3 Months | 6 Months | 12 Months |
| $200,000 | $21 | $26 | $33 |
| $300,000 | $42 | $53 | $66 |
| $400,000 | $64 | $79 | $99 |
| $500,000 | $85 | $106 | $132 |
| $1,000,000 | $190 | $236 | $297 |
Medical Coverage Program Option| Type | 3 Months | 6 Months | 12 Months |
| Single | $35 | $40 | $50 |
| Couple | $53 | $60 | $75 |
| Family | $70 | $80 | $100 |
Click here for Instant Quotes for Liaison Traveler
DESCRIPTION OF BENEFITS
Emergency Medical Evacuation
Expenses *
If you or any covered dependents become sick or injured during the period of coverage and
it has been determined that an Emergency Medical Evacuation is required to either the
nearest medical facility, where appropriate medical treatment can be obtained, or to your
Home Country, all eligible expenses incurred are covered up to $250,000. An Emergency
Medical Evacuation must be recommended by a legally licensed physician who certifies that
the severity of the Injury or Sickness necessitates such Emergency Medical Evacuation, and
agreed to by you or your representative.
Repatriation of Mortal
Remains Expenses *
If Injury or Sickness commencing during the Period of Coverage results in death, all
reasonable expenses incurred for preparation and return of the remains to the Home Country
are covered up to a maximum of $20,000.
Emergency Reunion *
In the event of a recommended Emergency Medical Evacuation due to a covered injury or
illness, where the physician feels that it would be beneficial to have a family member at
your side during transport, you will be reimbursed for travel and lodging expenses
incurred by that relative up to $10,000 (Additional details in Program Summary).
Return of Minor
Child(ren) *
Should the Insured Person be traveling alone with a Minor Child(ren) and is hospitalized
because of a covered Illness or Injury and the Minor Child(ren) under the age of 18 are
left unattended, Liaison Traveler will arrange and pay for one way economy fares less the
value of applied credit from any unused travel tickets per person to their Home Country,
not to exceed the maximum benefit of $5,000. (Additional information is contained in
Program Summary).
Accidental Death and
Dismemberment (AD&D)
The program includes Accidental Death and Dismemberment coverage for each Insured Person,
Insured Spouse and Dependent Child. If an Injury occurs during your Period of Coverage and
results in one of the following losses within 365 days after an accident, the program will
pay for loss as follows: (Additional information in Program Summary)
| Insured | Spouse | Each Child |
|
| Loss of Life | 100% of Principal Sum | $25,000 | $5,000 |
| Loss of two members | 100% of Principal Sum | $25,000 | $5,000 |
| Loss of one member | 50% of Principal Sum | $12,500 | $2,500 |
| Loss of speech and hearing | 100% of Principal Sum | $25,000 | $5,000 |
| Loss of speech or hearing | 50% of Principal Sum | $12,500 | $2,500 |
| Quadriplegia | 100% of Principal Sum | $25,000 | $5,000 |
| Paraplegia | 50% of Principal Sum | $12,500 | $2,500 |
| Hemiplegia | 25% of Principal Sum | $6,250 | $1,250 |
Political Evacuation and
Repatriation *
If due to political or military events in a host country, a formal recommendation from the
appropriate authorities is issued for the insured to leave the host country or the insured
is expelled or declared persona non-grata by the host country, all reasonable expenses
incurred for transportation to the nearest place of safety or for repatriation to the
insured's home country or country of residence are covered up to a maximum of $10,000.
Evacuation must occur within 10 days of any such event. Coverage will apply to the most
appropriate and economical means consistent under the circumstances with your health &
safety. Evacuation costs will be paid once per insured per occurrence. In the event this
benefit is needed, arrangements must be made by the assistance services provider.
Trip Interruption
Liaison Traveler will pay benefits if an Insured is unable to continue the Trip due to: a)
death, occurring prior to the return to the Insured's Home Country, of the Insured's
Immediate Family Member, b) serious damage to the Insured's principal residence from fire,
flood or similar natural disaster (tornado, earthquake, hurricane, etc.). Liaison Traveler
will reimburse the Insured for the cost of travel, less the value of applied credit from
an unused return travel ticket, to return home to their area of principal residence. This
benefit is limited to the cost of one-way economy airfare or ground transportation and is
subject to a Policy Period maximum of $5,000. Additional information in the Program
Summary.
Lost Baggage
Liaison Traveler will pay benefits if an Insured's Checked Baggage is lost due to theft or
misdirection by a Common Carrier while the Insured is a ticketed passenger on the Common
Carrier during the Trip. Liaison Traveler will reimburse the Insured, up to the Policy
Period maximum of $250 for the cost of replacement of the baggage and its contents. All
claims must be verified by the Common Carrier. There is a maximum per article limit of
$50. (This is an excess benefit. Additional information in the Program Summary).
* NOTE: In the event of Emergency Medical Evacuation, Repatriation of Mortal Remains, Emergency Reunion, Political Evacuation and Repatriation or Return of Minor Child(ren) benefit is needed, arrangements must be made by the Assistance Company. Complete details about required notification of the Assistance Company are contained in the Program Summary.
POLICY PROVISIONS
1. Notice of Claim: Written notice of claim must be given to the Company within twenty (20) days after the occurrence or commencement of any loss covered by the Policy, or as soon thereafter as is reasonably possible. Notice given by or on behalf of the claimant to the Administrative Offices of the Company, or as to any authorized agent of the Company, with information sufficient to identify the Insured Person shall be deemed notice to the Company.
2. Claim Forms: The Company, upon receipt of a notice of claim, will furnish to the claimant such forms as are usually furnished by it for filing proof of loss. If such forms are not furnished within fifteen (15) days after the giving of such notice the claimant shall be deemed to have complied with the requirements of the Policy as to proof of loss upon submitting, within the time fixed in the Policy for filing proofs of loss, written proof covering the occurrence, the character and the extent of loss for which claim is made.
3. Proof of Loss: Written proof of loss must be furnished to the Company at its said office in case of claim for loss for which this Policy provides any periodic payment contingent upon continuing loss within ninety (90) days after the termination of the period for which the Company is liable and in case of claim for any other loss within ninety (90) days after the date of such loss. Failure to furnish such proof within the time required shall not invalidate nor reduce any claim if it was not reasonably possible to give proof within such time, provided such proof is furnished as soon as reasonably possible.
4. Time of Payment of Claims: Indemnities payable under the Policy for any loss other than loss for which the Policy provides any periodic payment will be paid immediately upon receipt of due written proof of such loss. Subject to due written proof of loss, all accrued indemnities for which the Policy provides periodic payment will be paid at the expiration of each four (4) weeks during the continuance of the period for which the Company is liable, and any balance remaining unpaid upon the termination of liability will be paid immediately upon receipt of due written proof.
5. Payment of Claim: Indemnity for loss of life will be payable in accordance with the beneficiary designation and the provisions respecting such payment which may be prescribed herein and effective at the time of payment. If no such designation or provision is then effective, such indemnity shall be payable to the estate of the Insured Person. Any other accrued indemnities unpaid at the Insured Person's death may, at the option of the Company, be paid either to such beneficiary or to such estate. All other indemnities will be payable to the Insured Person.
If any indemnity of the Policy shall be payable to the estate of an Insured Person, or to an Insured Person who is a minor or otherwise not competent to give a valid release, the Company may pay such indemnity, up to an amount not exceeding $1,000, to any relative by blood or connection by marriage of the Insured Person who is deemed by the Company to be equitably entitled thereto. Any payment made by the Company in good faith pursuant to this provision shall fully discharge the Company to the extent of such payment.
Subject to any written direction of the Insured Person all or a portion of any indemnities provided by this Policy on account of Hospital, nursing, medical or surgical service may, at the Company's option and unless the Insured Person requests otherwise in writing not later than the time for filing proof of such loss, be paid directly to the Hospital or person rendering such services, but it is not required that the service be rendered by a particular Hospital or person.
6. Physical Examination and Autopsy: The Company at its own expenses shall have the right and opportunity to examine the person of any individual whose Injury or Illness is the basis of claim when and as often as it may reasonably require during the pendency of a claim hereunder and to make an autopsy in case of death, where it is not forbidden by law.
7. Legal Actions: No actions of law or in equity shall be brought to recover under the Policy prior to the expiration of sixty (60) days after written proof of loss has been furnished in accordance with requirements of this Policy. No such action shall be brought after expiration of three (3) years after that time written proof of loss is required to be furnished.
ASSISTANCE SERVICES
The travel assistance benefits
described below are provided by Seven Corners Assist who are staffed 24
hours a day, 7 days a week with multilingual representatives.
Pre-Trip Assistance Telephone information about passports, visas; Telephone information about health hazards in remote areas; Telephone information about inoculations; Help in arranging special medical treatment facilities needed while traveling.
Medical Assistance While Traveling 24-Hour telephone contact for travel medical emergencies help in locating medical care; Arranging telephone conferences between your attending and home physicians; Arranging second medical opinions in hospital cases; Relaying emergency messages to family and employer during medical emergencies; Guarantee or payment of medical bills using your available financial resources; 24-Hour ticketing service to arrange family visits; Arranging Emergency Medical Evacuation from medically underserved areas; Arranging evacuation for catastrophic claims; Arranging medical transportation home after treatment; Arranging escorts and transportation for unaccompanied children; Arranging transfer of medical records; Arranging Repatriation of Remains for deceased travelers; Notify your health insurer of a claim.
Emergency Cash Transfer Arranging for transfer of funds.
Legal Assistance While Traveling 24-Hour telephone contact for travel legal emergencies; Help in locating a consulate officer or attorney; Guarantee or payment of legal bills using your available financial resources; Relaying emergency messages between family, employer and attorneys.
Worldwide 24/7 Travel Assistance 24-Hour telephone contact for baggage and other travel problems; Advice on handling losses and delays; Follow-up contact with airlines regarding baggage; Help with lost passports, ticket and documents; Guarantee or payment of emergency expenses using your available financial resources; Arranging shipments of forgotten, lost or stolen items; Relaying emergency messages.
Upon enrollment into Liaison Traveler, you are eligible to use any of the assistance services listed in the Program Summary provided by the Assistance Company.
EXCLUSIONS:
For Accidental Death and Dismemberment,
Emergency Medical
Evacuation, Repatriation of Mortal Remains, Emergency Reunion, Return of Dependent Child,
this insurance does not cover:
1. Suicide or attempt thereof by the Insured Person while sane or self
destruction or any attempt thereof by the Insured Person while insane;
2. Disease of any kind; bacterial infections except pyogenic infection
which shall occur through an accidental cut or wound; hernia of any kind; (Only applicable
for Accidental Death & Dismemberment)
3. Injury sustained while the Insured Person is riding as a pilot,
student pilot, operator or crew member, in or on, boarding or alighting, from any type of
aircraft; as a passenger in any aircraft (a) not having a current and valid airworthy
certificate and (b) not piloted by a person who holds a valid and current certificate of
competency for piloting such aircraft;
4. Declared or undeclared war or any act thereof; service in the
military, naval or air service of any country;
5. Flying in any aircraft being used for or in connection with acrobatic
or stunt flying, racing or endurance tests; rocket-propelled aircraft; crop dusting or
seeding or spraying, fire fighting, exploration, pipe or power line inspection, any form
of hunting or herding, aerial photography, banner towing or any experimental purpose;
engaged in any flight which requires a special permit or waiver from the authority having
jurisdiction over civil aviation, even though granted.
For Political Evacuation and Repatriation, this insurance does not cover: 1) Losses recoverable under any other insurance or through an employer; 2) Losses arising from or attributable to a) dishonest or criminal acts committed or attempted by the insured, b) alleged violation of the laws of the host country, unless the company determines such allegations to be fraudulent, or c) failure to maintain required documents or visas; 3) Losses attributable to a ) debt, insolvency, commercial failure, or the repossession of any property, b) insured's non-compliance with a contract or license or c) implementation of legally contributed exchange rates; 4) Losses due to liability assured by the insured under any contract.
For Trip Interruption, this insurance does not cover: 1) war or any act of war, whether declared or not; participation in a felony, riot or insurrection; 2) participation in contests of speed; a Pre-existing Condition existing prior to the Insured's departure from their Home Country that has the likelihood of causing death to any immediate family member.
For Lost Baggage, this insurance does not cover: animals; automobiles or automobile equipment; boats; motors; motorcycles; other conveyances or their appurtenances (except bicycles while checked as baggage with a Common Carrier); household furniture; eye glasses or contact lenses; artificial teeth or dental bridges; hearing aids; prosthetic limbs; musical instruments; money or securities; tickets or documents; or sporting equipment if loss or damage results from the use thereof.
Refund
of Premium
Refund of premium (minus the Admin Fee) shall be considered only if written request is
received by the Plan Administrator prior to the Effective Date of Coverage. After the Effective Date of
Coverage, the premium is considered fully earned and non-refundable.
What You Will
Receive
Upon successful enrollment in Liaison Traveler, you will receive an information packet
from SRI. This packet will include your ID Card and Program Summary. The Program Summary
describes all the benefits of Liaison Traveler in complete detail. In addition, the
Program Summary tells you the procedure for submitting claims.
The Insurance
Company
Liaison Traveler is underwritten by The Insurance Company of the State of Pennsylvania, a
member company of the American International Group of Companies (AIG) and is rated A++
"Superior" by the A.M. Best Company.
For a comprehensive
international medical coverage, please see Atlas
Travel Insurance, Liaison International, Patriot Travel Insurance, and Other Plans
Click here for Current Rates & Online Application
Or Click on the Banner below:
Paper application is available upon request.
Bon Voyage!
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HERE'S THE FINE
PRINT: Copyright © 1999-2008 by Sunburst Worldwide Insurance Services. CA Insurance License #0B65721Warning: All of the pages on this site are protected under U.S. and International copyright laws. Reproduction by any means or for any purpose, except as specified on certain pages, is not allowed without the express written permission of the copyright owner.
Special police for Beijing games The Chinese authorities say they have established a special military unit to provide security for the Beijing Olympics next year. Sub-Saharan Africa - Kenya May 5, 2007 Kenya Airways plane crashed A Kenya Airways plane that crashed in Cameroon on Saturday has been found submerged in a swamp and there is no chance of any survivors, officials say. Europe - France France opens fastest railway link Mar. 15, 2007 France's fastest rail link to date has been inaugurated with the service's first train travelling from Paris to the east on Thursday afternoon. Trains on the line are set to travel at 320km/h (200mph). The service will open to passengers on 10 June when they will be able to travel further east to other EU states.
Ban on liquids expanded for all international flights Feb. 26, 2007 Tokyo, Japan: In a move aimed at further thwarting terrorist attacks, passengers on all international flights will be prohibited from bringing aboard liquids in containers larger than 100 milliliters starting Thursday Europe - Russia Explosion in Russian McDonald's Feb. 19, 2007 An explosion at a McDonald's restaurant in the Russian city of St Petersburg has slightly injured six people with concussion and cuts from flying glass.
Americas - Mexico 'Safest city' now has drug war Feb. 16, 2007 Monterrey, Mexico:: An affluent city just two hours from Texas is the newest battleground in a war between drug cartels Sub-Saharan Africa - Guinea Guinea Airport Situation Feb. 14, 2007 This warden message is being issued to update American citizens regarding information on Air France flights out of Guinea. A flight left Guinea for Paris yesterday. We believe Air France will try to operate flights to Paris starting Thursday, February 15 to Sunday February 19, 2007. East Asia / Pacific - Indonesia Bird flu virus kills Indonesian Feb. 9, 2007 West Java, Indonesia A 20-year-old woman in Indonesia who tested positive for bird flu has died, becoming the country's 64th human victim, a health official said
Americas - Brazil SAO PAULO, Brazil (Reuters) -- Slick runways at Brazil's busiest airport will undergo major overhauls this month after officials tried to ban wide-body jets because of fears they could skid off its short landing strips, the airport's authority said Thursday.
East Asia / Pacific - Vietnam Vietnam plans new railway link Feb. 6, 2007 Hanoi: The Vietnamese authorities have approved plans to build a $33bn (£15bn) rail link between the capital, Hanoi, to Ho Chi Minh City in the south. New Thailand airport off to rough start Feb. 2, 2007 BANGKOK, Thailand - The taxiways are cracked, the terminal has leaks and some airlines even wonder whether it's safe to fly into Thailand's new international airport. Australians warned about crime in Caribbean Feb. 2, 2007SYDNEY, Australia: The foreign affairs department said in an official travel advisory that fans needed to be aware of safety issues at the World Cup, to be hosted by six Caribbean nations from March 10 until April 28. "In some parts of the Caribbean, violent crime, including armed robbery, kidnapping and murder is common," the advisory said.
UK Updated Polonium-210 Information Jan. 31, 2007Europe - United Kingdom: This information is meant primarily for Americans who were in Britain from November through December 2006. It is an update to the December 11, 2006 warden message concerning events in the UK involving the radioactive material Polonium-210, which have caused concerns for possible public health risks.
Islamabad Marriott
Hotel Attack
Copyright © 1999-2007 by Sunburst Worldwide Insurance Services. CA Insurance License #0B65721Warning: All of the pages on this site are protected under U.S. and International copyright laws. Reproduction by any means or for any purpose, except as specified on certain pages, is not allowed without the express written permission of the copyright owner.
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