Emergency Evacuation Insurance

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Emergency Evacuation Insurance

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Up to 12 months of coverage for emergencies requiring:

• Emergency Medical Evacuation
• Return of Minor Children to Home Country
• Political Evacuation
• Repatriation
• Trip Interruption
• Optional Medical Coverage and AD&D

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. 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 with your ID Card after Seven Corners receives your completed application and correct premium.

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, 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:

• The date your Application and premium are received by Seven Corners; 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.

PLAN OPTIONS

Liaison 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 policy period. Upgrade Options are available and described below.

Standard Upgrade Options (May not be purchased separately from Standard Program)

Note: Only one Liaison Traveler Program may be purchased for any given Period of Coverage.

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 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 formal recommendation 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 Interruption
Liaison 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 Person '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 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 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.

Medical Coverage (Optional) Not available to persons traveling to the United States or for any one trip longer than 60 days.
If you or your insured dependent become sick or injured during the period of coverage and require medical treatment, the plan will pay, subject to a $350 per incident deductible, reasonable and customary charges for Covered Expenses resulting from such occurrence, up to $25,000 per Policy Period. Only those expenses described which are incurred within 13 weeks from the onset of an Injury or emergency sickness and which are not excluded are considered covered expenses. Initial treatment of an Injury or emergency sickness must occur within 72 hours of the accident or onset of emergency sickness, defined as a condition requiring immediate care and/or hospitalization. In order for medical coverage to be valid, maximum length of any one trip would have to be less than 60 days. Maximum age of eligibility is 65.

Covered expenses to include:

• Charges made by a hospital for room and board, floor nursing and other services, inclusive of charges for professional services and with the exception of personal services of a non-medical nature; provided, however, that expenses do not exceed the hospital's average charge for semi-private room and board accommodation, or intensive care when medically necessary.
• Charges made for diagnosis, treatment and surgery by a physician.
• Charges made for the cost of administration of anesthetics.
• Charges for medication, X-ray services, laboratory tests and services, the use of radium and radioactive isotopes, oxygen, blood transfusions, iron lungs, and medical treatment.
• Charges for physiotherapy, if recommended by a physician for the treatment of a specific disablement and administered by a licensed physiotherapist.
• Dressings, drugs and medicines that can be obtained upon a written prescription of a physician or surgeon.
• Hotel room charge, when you, would otherwise be necessarily confined in a hospital, shall be under the care of a duly qualified physician in a hotel room owing to the unavailability of a hospital room by reason of capacity or distance or to any other circumstances beyond your control.

ASSISTANCE SERVICES

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. 

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, Assistance 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.

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.