Here is a choice of competing, temporary international health and travel insurance plans that may be purchased online for "next-day" coverage. All plans are U.S.-Style.

Page Contents...
- Plan Comparison Table
- Liaison Majestic
- Liaison International
- Diplomat LT
- GeoBlue Voyager "Choice"
- Quick-Pick Suggestions

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Liaison Majestic...

Administered by Seven Corners Inc.
Insured by a Fully-Regulated U.S. Insurance Company.

Liaison Majestic - Quote & Apply (opens in a new window)

*Sample Policy Wording & Brochure - open quote link above, see links in left column.

Liaison Majestic may be purchased in daily increments, from 5 days up to one year. The plans may be renewed for up to 3 years of continuous coverage.

Plan Advantage - For U.S. citizens traveling outside the USA or Canada, this plan will pay up to $20,000 for the sudden and unexpected reoccurrence of a "pre-existing condition," (to $2500 for persons age 65 or over).

**New for Liaison Majestic (only) - For U.S. citizens under age 65, traveling outside the USA or Canada, pre-existing conditions are covered to the policy limit if you have a "primary" health plan in place.

Plan Advantage - When traveling outside the USA or Canada, the look-back period for "pre-existing conditions" is only twelve (12) months (instead of 36 months).

Plan Advantage - insured by a fully regulated insurance company.

Plan Advantage - Emergency medical evacuation (up to $300,000) is a separate benefit that does not count towards the policy's medical maximum and (Liaison Majestic only) is not subject to the "pre-existing" medical exclusion. Also, back to "Home Country" is a specifically stated in the policy wording for this benefit.

Limitation to Note - Travel back to your home country (USA) for follow-up treatment of a covered injury or illness first diagnosed or treated while outside the USA is limited to $5000.

Liaison Majestic - Quote & Apply (opens in a new window)

What to Expect After You Apply - Upon completing your online application, a Confirmation page will appear. Within moments, you are sent a confirmation e-mail. Print the Confirmation page or e-mail and make extra copies. This is your insurance confirmation /ID card.

The confirmation/ID contains your policy number, insurance contact information, and critical "Pre-Notification" instructions. This is good, detailed information on using the plan and you should keep it handy in several locations.

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Liaison International...

Administered by Seven Corners Inc.
Insured by a Fully Regulated U.S. Insurance Company (most states)

Liaison International - Quote & Apply (opens in a new window)

*For Sample Policy Wording & Brochure - After completing the quote page, on the following page you will see links to "Program Summary" and "Brochure" just above your quoted rates.

Liaison International may be purchased in daily increments, from 5 days up to 6 months. This plan is intended as a low-cost option for shorter-term trips abroad.

Plan Advantage - For U.S. citizens traveling outside the USA or Canada, this plan will pay up to $20,000 for the sudden and unexpected reoccurrence of a "pre-existing condition," (to $2500 for persons age 65 or over).

Note: For U.S. citizens, if you have "primary" coverage in the USA and are traveling outside the USA and Canada, you should instead consider Liaison Majestic (above).

Plan Advantage - When traveling outside the USA or Canada, the look-back period for "pre-existing conditions" is only twelve (12) months (instead of 36 months).

Plan Advantage - insured by a fully regulated insurance company (most states).

Plan Advantage - Emergency medical evacuation (up to $300,000) is a separate benefit that does not count towards the medical maximum. Also, back to "Home Country" is a specifically stated benefit in the policy wording.

Limitation to Note - Travel back to your home country (USA) for follow-up treatment of a covered injury or illness first diagnosed or treated while outside the USA is limited to $5000.

Liaison International - Quote & Apply (opens in a new window)

What to Expect After You Apply - Upon completing your online application, a Confirmation page will appear. Within moments, you are sent a confirmation e-mail. Print the Confirmation page or e-mail and make extra copies. This is your insurance confirmation /ID card.

The confirmation/ID contains your policy number, insurance contact information, and critical "Pre-Notification" instructions. This is good, detailed information on using the plan and you should keep it handy in several locations.

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Diplomat LT...

Administered by Global Underwriters Inc.
Diplomat Plans Insured by a U.S.-based Insurance Company

Diplomat LT - Quote & Apply (select "LT," opens in a new window)
Diplomat LT - Policy Details (opens in a new window)

Note: the other Diplomat Plans are not renewable, but cost less than the "LT" plan.

Plan Advantage - Diplomat plans are insured by a US-domiciled insurance company.

*Plan Advantage - Diplomat plans have a 52 week Benefit Period, as compared to about 26 weeks with most other temporary international health insurance plans.

Plan Advantage - Emergency Medical Evacuation (up to $300,000) is a separate benefit that does not count towards the policy's medical maximum and is not subject to the "pre-existing" exclusion for medical benefits. Also, back to "Home Country" is a specifically stated benefit.

Home Country Coverage Option - Optional rider for incidental trips back to your home country. See brochure for details.

Limitations to Note - There is no medical coverage for "pre-existing conditions" such as may be found in Liaison Majestic, GeoBlue Voyager Choice,.

Diplomat LT (only) limits covered expenses to $1000 maximum for any illness that is first manifested, treated, or diagnosed during the first 30 days of coverage. Unless you are traveling to parts of Africa or other areas where chronic infectious diseases are more prevalent, the outstanding features of the Diplomat LT (52-week benefit period, renewable up to 3 years) may outweigh this limitation.

Diplomat Plans - Quote & Apply (opens in a new Window)

What to Expect After You Apply - Upon completing your online application, a confirmation page will appear. This page may be printed to immediately serve as your insurance ID. Within 1 or 2 business days, an insurance packet is mailed to your correspondence address. This packet will include your insurance policy, ID card, claim form, etc.

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GeoBlue Voyager Choice...

Administered by HTH Worldwide
Insured by U.S.-based insurance company (Blue Cross affiliate)

For short-term trips abroad (up to 180 days), if you have "primary insurance" in the USA  (e.g. group insurance, individual major medical, Medicare), then there are some good reasons to consider the GeoBlue Voyager "Choice" plan.

GeoBlue Voyager "Choice" - Quote & Apply (opens in a new window)

Plan Advantage - "Choice" plan only; there is no exclusion for pre-existing medical conditions. You must not be traveling against doctor's orders (see plan literature for all details).

Plan Advantage - medical evacuation wording specifically includes "back to home area."

A Limitation to Note - you must be enrolled in a "primary health plan" in the USA in order to qualify for coverage.

GeoBlue Voyager "Choice" - Quote & Apply (opens in a new window)

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Quick Pick Suggestions . . .  Temporary International Health & Travel Insurance

Quick tips to help you find the right choice for your exact needs and situation. (Please be sure to see plan literature for exact plan wording.)

1. For U.S. citizens, if you will have "primary" health insurance in the USA:
Consider Liaison Majestic or GeoBlue Voyager Choice. These plans have limited or no coverage for follow-up treatment in the USA. However, both cover "pre-existing conditions" to the policy limit if you have a "primary" health insurance plan in place in the USA. (Liaison Majestic - this does not apply in Canada.)

3. If you want the longest "Benefit Period" available:
See the Diplomat Plans. (For a definition of "Benefit Period," see Consumer Tips.}

4. If emergency medical evacuation "back to Home Country" is important wording:
See Liaison Majestic or GeoBlue Voyager Choice.

Three General Comments...

-- There is no single "best choice" for all situations. Insurance plan benefits and rates tend to look similar. The most significant differences are in the wording of plan terms and definitions, the wording by which your claims are paid . . . or not paid (Consumer Tips).

-- Temporary international insurance plans are for sudden and unexpected injury or illness while traveling away from your home country on a temporary basis. While not intended as a substitute for Long-Term (or annual) Major Medical insurance, under certain conditions, Temporary insurance is used as "primary" health coverage.

-- The international health insurance plans found here are not the same type of plans you might get from a travel agent (e.g. temporary trip insurance). These international health insurance plans are typically much more comprehensive. All contain benefits for hospitals, doctors, Rx, emergency medical evacuation, repatriation, and more. (See plan literature for details. All plans subject to terms, conditions, and exclusions.)

Your questions are invited: E-mail me (Whit G., President, Liberty)         Top

               
International Health Insurance for virtually all Expatriate Insurance Needs.