BROCHURE, RATES and APPLICATION
 iaison
 raveler
International Insurance Coverage for
Emergency Medical Evacuation,
Return of Mortal Remains, Political Evacuation and
The Frequent Traveler & Unlimited Number of Trips.
Perfect for Supplemental International Coverage. Up to $500,000 AD&D.
LiaisonSM Traveler is Underwritten by The
Insurance Company of the State of Pennsylvania,
a member of the AIG group of companies and rated
A++ "Superior"
by AM Best.
Click here for Free Online Quotes & Online Application
Please read the Scheduled
Benefits and Exclusions carefully before applying for this plan.
EVACUATION,
REPATRIATION AND OTHER BENEFITS FOR THE INTERNATIONAL TRAVELER
Up to 12 months of
coverage for emergencies requiring:
-
Medical
Evacuation
-
Return of
Minor Children to Home Country
-
Political
Evacuation
-
Repatriation
-
Trip
Interruption
WHY YOU NEED
INTERNATIONAL COVERAGE?
Each year, millions of people travel internationally throughout the world. While many of
them may have medical coverage when traveling outside their Home Country, few will have
the proper coverage for an emergency medical evacuation or personal liability. Liaison
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.
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 SRI receives your
completed application and correct premium.
 This plan does not cover
all medical expenses. For a comprehensive international medical program, please Click here.
ELIGIBILITY
Liaison 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
COVERAGE
There are three coverage period options for Liaison Traveler, a three-month, a six-month,
and a twelve-month coverage period. During the coverage period, the insured persons will
be covered anytime they are outside their Home Country or Country of Residence (unlimited
number of trips).
Effective Date
- Your coverage will begin on the latest of the following:
The date your
Application and premium are received and accepted by the administrator; or
The date you
request on the Application.
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.
Click here for Free Online Quotes & Online Purchase
Please read the Scheduled
Benefits and Exclusions carefully before applying for this plan.
 PLAN OPTIONS:
1) Standard Program
This is the base program offered to international and frequent travelers. Maximums listed
are per policy period. Upgrade Options are available and described below.
| Standard Benefits
|
| Emergency Medical Evacuation |
$250,000 |
| Repatriation of Mortal
Remains |
$20,000 |
| Emergency Reunion |
$20,000 |
| Return of Minor Child |
$5,000 |
| AD&D |
$100,000 |
| Political Evacuation &
Repatriation |
$10,000 |
| Trip Interruption |
$5,000 |
| Lost Baggage |
$250 |
| International Assistance
Services |
Included |
|
Standard Upgrade Options |
|
Increase AD&D |
Up to $1,000,000 |
|
Medical Coverage Option |
|
Medical Coverage |
Up to $25,000 |
|
Liaison Traveler
Premiums
|
Standard
Program
Type |
3 Months |
6 Months |
12 Months |
|
Single |
$78 |
$98 |
$173 |
|
Couple |
$104 |
$131 |
$231 |
|
Family |
$130 |
$162 |
$289 |
Standard
Upgrade Option
Add AD&D -
Valid only for Primary Insured
Liaison Traveler has two different programs that can be purchased together or separately
(the Standard Upgrade Options must be purchased along with the Standard Program) to
address the various needs of the international traveler.
| 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 Free Online Quotes & Online Purchase
Please read the Scheduled
Benefits and Exclusions carefully before applying for this plan.
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.
General
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.
Click here for Free Online Quotes & Online Purchase
Please read the Scheduled
Benefits and Exclusions carefully before applying for this plan.
If you
have any questions or concerns, please contact us.
info@internationalriskmanagement.com
877-211-3654 or
559-294-0316
|
Experience
