Liaison International visitor insurance plan can be purchased by both non US and US citizens. Individuals, spouse and children are also eligible to be covered under this plan. Children should be more than 14 days and less than 19 years old. The minimum validity period of the liaison international visitor insurance plan is 5 days and can be extended to a maximum period of 6 months.

Individuals who are eligible for coverage under this visitors health insurance plan can be divided into 2 classes. Class 1 set of people are travellers who are citizens of Canada or USA and travelling outside the homeland. Class 2 category of travellers is non US citizens who are planning for a trip to the US. Class 2 set of individuals are not eligible for this visitor insurance plan if they have been staying in the US continuously for a period of 18 months.

When the insurance company receives the premium amount along with the completed application form, effective coverage of this visitors health insurance plan begins. The insured can also mention the preferred effective start date. Coverage may also become effective after the insured leaves the homeland after the approval of the application form.

The validity of this visitors medical insurance plan terminates when the insured comes back to the native land or when the policy lapses and is not renewed. The date till which the insurance plan is valid is mentioned in the ID card. In addition, coverage becomes invalid when the insured becomes ineligible to be covered under this visitor insurance plan.

The Liaison visitor insurance plan provides a broad range of benefits like prescription drugs, doctor consultation, in-patient and out-patient admissions, intensive care, Emergency repatriation and evacuation, returning of mortal remains, terrorism coverage and accidental death and dismemberment are also covered.

You can renew the Liaison International visitors insurance plan online if the renewal period exceeds 3 months. A nominal fee is charged for processing.

Individuals can also choose other optional coverage for adventure sports like parachuting, motor scooter riding, motor cycle riding, bungee jumping, hang gliding, snowboarding, snow skiing, water skiing and snowmobiling.

Cancellation of the visitors insurance plan can be done by submitting a written request before the effective start date of the plan in order to get full reimbursement. After the effective start date, the unused part of the visitor insurance plan would be reimbursed if no claims have been filed in the past. A cancellation fee would be deducted while processing.

Overseas travel can be fun and exciting, but it can also mean a heightened possibility of falling ill. While travel is a great way to experience new cultures and places, it also makes one prone to illnesses and other unforeseen events, which often lead to heavy expenses. Visitors’ insurance, which features a range of benefits, helps cushion the stress by managing the financial side of things.

Visitors insurance maintains most characteristics of a short-term insurance plan. Plan periods can be anywhere from five days to a year, with a possibility of extension at the end of the plan period. The terms and conditions of visitors insurance are similar to other short-term plans.

Overseas visitors can purchase visitors’ medical insurance, trip cancellation insurance, and a host of other coverage options. Typically, purchasing visitors insurance is easy and can be done by anyone. It is important that visitors consider various factors before choosing an appropriate visitor insurance plan.

Some of the benefits that visitors’ health insurance provides are inpatient and outpatient expenses, prescription drugs, medical evacuation, accidental death and dismemberment, and repatriation of remains (in the unfortunate case of death).

Some visitors’ insurance plans also offer benefits not related to medical costs. This covers common unforeseen non-medical issues during travel—for example, flight cancellation and delays, lost baggage, and lost items during travel. If you are the outdoors type, consider purchasing hazardous sports coverage for activities like jet skiing.

Visitor insurance usually excludes a few conditions. Since it is a short-term insurance plan, regular check-ups are excluded. As a result, pregnancy, previously existing medical conditions, and dental and eye care are usually not covered. However, some plans offer limited coverage for the onset of specified previously existing conditions.

Reputed visitor insurance plans have a wide number of in-network healthcare professionals and institutions, which make it easier to get treatment without paying cash. It is especially important when traveling across a country, where the absence of in-network doctors may mean a long reimbursement process. A medical examination is not required before purchasing visitors’ insurance plans.

Not just visitors to the United States, but visitors to any international destination will benefit from visitors’ insurance. In the United States, veteran companies in the field—Lloyd’s, AIG, and Nationwide, to name a few—underwrite the insurance plans. Remember that visitors insurance can buy you the one thing everyone is looking for, during international travel: peace of mind.