Travel Health Insurance 

The most complete international coverage you can buy

Global Medical Security

For Visitors to the USA

 
Visitors insurance

USA Visitors Insurance...

Here is a choice of competing, temporary international travel insurance plans that may be purchased online for quick coverage. All plans are USA-Style.

Page Contents...
-- Insurance Comparison Table
-- Liaison Majestic
-- Liaison International
-- Inbound Guest & Inbound USA
-- Quick-Pick Suggestions


Quick Comparison - Temporary International Health Insurance for USA Visitors
-- See plan literature for exact policy wording--
Temporary Health
Insurance Plan
Liaison
Majestic
Liaison
International
Inbound
 Guest
Inbound
USA
Benefit Period
6 months 6 months 26 weeks 26 weeks
Is the Insurance Company Fully Regulated in Most States? Yes
(most states)
Yes
(most states)
Lloyd's, London - "admitted" in KY only, but "approved" in other states. Lloyd's, London - "admitted" in KY only, but "approved" in other states.
Is Health Insurance Policy Renewable? Yes, renewable for up to 12 months maximum Yes, renewable for up to 6 months maximum. No, purchase term from
5 days to 6 months
Yes, renewable for up to 12 months maximum
Is Follow-Up Medical Treatment in Your Home Country Covered? No No No No
Temporary Health
Insurance Plan
Liaison
Majestic
Liaison
International
Inbound
Guest
Inbound
 USA
Any Coverage for
Pre-Existing Medical Conditions?
(See Plan Brochure for details.)
Emergency Medical Evacuation benefit, and up to $200/day in hospital for heart attack or stroke ($3000 max). YES,
up to $15,000 for USA visitors  (*See brochure wording.)
No No, except
Optional coverage of up to $5000 for Heart Attack or Stroke.
Is Evacuation to "Home Country" Expressly Stated in Insurance Policy? Yes Yes No No
Policy Definition of "Home Country"
for Plan Eligibility Purposes. (see policy for details)
"Fixed and permanent home and principal establishment." "Fixed and permanent home and principal establishment." "true, fixed, and permanent residence." "true, fixed, and permanent residence."

Liaison Majestic...  International Travel Health Insurance

Liaison International Travel Health Insurance
Administered by Seven Corners Inc.
Insured by Nationwide Insurance Company (most states).

Liaison Majestic - Quote & Apply (opens in a new window)
For Sample Policy Wording & Brochure - open quote link and see the 2 links in the left column.

Liaison Majestic may be purchased in daily increments, from 5 days up to one year. The plan may be repurchased for up to 1 year total by U.S. visitors.

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 evacuation benefit.

Limitation to Note - "Pre-notification" is required for any medical treatment within the USA. In most cases, you will need to use the PPO network for benefits. Failure to pre-notify the company will result in a 20% reduction of benefits.

Other Limitations - For non-U.S. citizens, there is very little medical coverage for "pre-existing conditions."

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.

Liaison International...  Short-Term Travel Health Insurance

U.S. Visitors Health Insurance, Liaison International
Administered by Seven Corners Inc.
Insured by Nationwide 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 find links to "Program Summary" and "Brochure" just above your quoted rates.

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

Limitation to Note - "Pre-notification" is required for any medical treatment within the USA. In most cases, you will need to use the PPO network for benefits. Failure to pre-notify the company will result in a 20% reduction of benefits.

Other Limitations - For non-U.S. citizens, there is very little medical coverage for "pre-existing conditions."

Inbound Guest, Inbound USA ... "Schedule of Benefits" Travel Insurance for Foreign Visitors

Non-renewable - up to 6 months of coverage. Renewable - up to 12 months of coverage
U.S. Visitors Travel Insurance, Inbound Guest U.S. Visitors Travel Insurance, Inbound USA.
Administered by Seven Corners Inc.
Insured by Lloyd's, London.
Administered by Seven Corners Inc.
Insured by Lloyd's, London.

The purpose of these plans is to offer low-cost insurance options for older USA visitors, which meet minimum visa requirements.

Inbound Guest - Quote & Apply (opens in a new window) Non-renewable, 5 days up to 6 months.
Inbound USA - Quote & Apply (opens in a new window) Renewable, 5 day minimum, renewable up to 12 months total.

The "Inbound" plans are designed as a practical, low-cost option for older foreign visitors to the USA. In addition, some USA visitors of any age may find the Inbound plans to be attractive due to their favorable definition of "pre-existing condition."

These plans meet most minimum U.S. visa requirements and there is no maximum age limit. Because of how these insurance plans reimburse medical claims (a defined benefit schedule, rather than paying claims based on usual and reasonable charges), it is important that you read and fully understand these programs before purchase. In most cases, the defined benefits are less than normal medical charges.

Here are 3 important ways in which the Inbound plans differ from our other category of temporary plans for US visitors.

1. Inbound Guest and Inbound USA are Schedule of Benefits plans. There are established and defined maximum benefits for various medical treatments, such as hospital room and board, doctor visits, etc.

2. Inbound USA is often a more practical and lower-cost plan for older ages. This plan is especially affordable for ages 60 and above. There is no maximum age limit for coverage.

3. Inbound USA has a more favorable definition of "pre-existing condition" when compared to most other temporary health insurance plans. The "look-back period" for defining "pre-existing condition" is only 6 months (12 months for age 70 and above) on Inbound USA, compared to 2 or 3 years on most other temporary plans (see brochure for details).

*Important: In most cases, the maximum insurance benefits under the Inbound plans are less than what is considered to be "usual, reasonable and customary" within the USA. Therefore, in the event of an insurance claim, the insured person could (likely) be responsible for a portion of the treatment charges, even after the per-incident deductible.

However; the Inbound plans might be...
(1) the only practical way for an older US visitor to obtain travel medical coverage, and/or
(2) the only way for a person to obtain true medical coverage that might otherwise be excluded as a "pre-existing condition."

You may purchase Inbound Guest (non-renewable, 5 days up to 6 months) or Inbound USA (renewable, up to 12 months) on-line (links opens in a new Window). Upon completion of your purchase, you will see a temporary on-line ID (please print). You are also sent a confirmation e-mail. Within 2 business days, your actual insurance policy and ID card are mailed to the "correspondence address" that you provided on the application.

*Important Service for Buyers - if you or a family member purchases an Inbound plan, we invite you to immediately contact us after purchase for important advise on using this type of insurance plan, if needed (e-mail me or call 1-407-532-1822).

Tip: On the application, your "correspondence address" may differ from your "home address." Should you wish, you may elect to use the address of a friend or relative living in the USA as your correspondence address. Then your policy and ID card would be mailed to the USA address.

Quick Pick Suggestions . . .  for Foreign Visitors to the USA

1. If you need coverage for a "pre-existing" medical conditions:
See Liaison International for up to $15,000 in coverage. (*Treatment must be received within 24 hours of first symptoms, see brochure for details.)

Three General Comments...

There is no single "best choice" for all situations. The most significant plan differences are in the terms, definitions, and exclusions.

Temporary international insurance plans are for sudden and unexpected injury or illness while traveling away from your home country on a temporary basis.

The travel 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 travel health insurance plans are typically much more comprehensive. Here is just a sample of the benefits contained in these plans (see plan literature for terms, exclusions, and limitations).

  • Hospital
  • Intensive Care
  • Surgery
  • Outpatient Treatment
  • Prescription Drug
  • Dental due to Accident
  • Emergency Medical Evacuation
  • Repatriation of Mortal Remains
  • Emergency Reunion
  • Return of Minor Children
  • Accidental Death or Dismemberment
  • 24-Hour International Assistance
  • Trip Interruption
  • Lost Baggage

Your questions are invited - E-mail us

travel health insurance, medical insurance choices            Travel insurance quotes, comparisons, guarantees.
USA-Style Insurance for International Health & Travel Insurance Needs.

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