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Liason Traveler is designed to offer Emergency Medical Evacuation, Repatriation of Mortal Remains, Accidental Death and Dismemberment, and other incidental coverage and services for persons traveling outside their Home Country.Liaison Traveler benefitsLiaisonTraveler is designed to offer Emergency Medical Evacuation, Repatriation of Mortal Remains, Accidental Death and Dismemberment, and other incidental coverage and services for persons traveling outside their Home Country. EligibilityLiaison Traveler provides coverage for persons traveling outside their Home Country. If you will be traveling outside of your Home Country, the program will provide coverage for you, your spouse, and your unmarried dependent children (over 14 days and under 19 years of age, or under 25 years of age if they are attending an accredited institution of higher learning on a full-time basis and wholly dependent upon the Insured for support and maintenance). 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. Period of coverageThere are three coverage period options for Liaison Traveler, three-month, six-month, and a twelve-month coverage period. During your Period of Coverage, you will be covered anytime you are outside your Home Country or Country of Residence (unlimited number of trips). Effective Date- Your coverage will begin on the latest of the following:
Expiration dateYour 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. Plan OptionLiaison Traveler offers Standard Upgrade Options to address the various needs of the international traveler. Standard Program This is the base program offered to international and frequent travelers. Maximums listed are per period of coverage, (please read entire brochure for full description). Upgrade Options are available and described below.
(May not be purchased separately from Standard Program)
Description of BenefitsEmergency Medical Evacuation ExpensesIf 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 the assistance company.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 US $20,000. (Additional details in Program Summary) Return of Minor Child(ren) *If the Insured Person is 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 is 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 & Dismemberment (AD&D)The program includes Accidental Death & Dismemberment coverage for each Insured Person, Insured Spouse and Dependent Child(ren). 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):
Political Evacuation and Repatriation *If due to political or military events in a host country, a formalrecommendation from the appropriate authorities is issued for the Insured Person to leave the host country or the Insured Person 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 Person'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 Person per occurrence. In the event this benefit is needed, arrangements must be made by the assistance services provider. Trip InterruptionLiaison Traveler will pay benefits if an Insured Person is unable to continue the Trip due to: a) death of the Insured Person's Immediate Family Member, occurring prior to the return to the Insured's Home Country, b) serious damage to the Insured Person's principal residence from fire, flood or similar natural disaster (tornado, earthquake, hurricane, etc.). Liaison Traveler will reimburse the Insured Person 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 Period of Coverage maximum of $5,000. (Additional information in the Program Summary) Lost BaggageLiaison Traveler will pay benefits if an Insured Person's Checked Baggage is lost due to theft or misdirection by a Common Carrier while the Insured Person is a ticketed passenger on the Common Carrier during the Trip. Liaison Traveler will reimburse the Insured Person, up to the Period of Coverage 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. * 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. Liaison Travel Insurance - ExclusionFor Accidental Death & Dismemberment, Emergency Medical Evacuation, Repatriation of Mortal Remains, Emergency Reunion, Return of Dependent Child, this insurance does not cover:
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