As a senior travel planner who’s helped hundreds of clients navigate international medical insurance options, I understand this challenge.
This review will help you determine if Seven Corners’ Liaison Travel Insurance strikes the right balance between comprehensive medical coverage and practical pricing for your international travel needs.
In this article...
About the Company
Seven Corners has operated in the international travel insurance space since 1993, building particular expertise in medical coverage for international travelers.
The company is headquartered in Carmel, Indiana, and has developed a strong reputation for straightforward medical insurance products without unnecessary complexity.
Liaison Travel Insurance plans are underwritten by Lloyd’s of London, providing strong financial backing and extensive international claims handling experience.
Seven Corners sells primarily direct-to-consumer through their website, making it easy for travelers to purchase coverage online and manage their policies independently.
Coverage Details
Emergency medical coverage provides up to $1,000,000 per policy period, which is suitable for medical care in most international destinations.
The plan covers both inpatient and outpatient treatment, including emergency room visits, hospital stays, surgical procedures, and prescription medications.
Emergency medical evacuation benefits provide up to $1,000,000 for transportation to the nearest adequate medical facility or repatriation to your home country if medically necessary.
Pre-existing medical conditions are covered for acute onset episodes if you’re under age 70 and purchase coverage before departure.
Mental health coverage is included for emergency treatment, though with some limitations compared to physical health benefits.
Recommended Plans
Up to $2,000,000 of Overall Maximum Coverage, Emergency Medical Evacuation, Medical coverage for eligible expenses related to COVID-19, Trip Interruption & Travel Delay.
Coverage for in-patient and out-patient medical accidents up to $1 Million, Coverage of acute episodes of pre-existing conditions, Coverage from 5 days to 364 days (about 12 months).
Up to $8,000,000 limits, Emergency Medical Evacuation, Coinsurance for treatment received in the U.S. (100% within PPO Network), Acute Onset of Pre-Existing Conditions covered.
Features
| Feature | Coverage Amount |
|---|---|
| Emergency Medical | Up to $1,000,000 |
| Medical Evacuation | Up to $1,000,000 |
| Prescription Drugs | Up to $1,000 per incident |
| Emergency Dental | Up to $1,000 |
| Accidental Death | $50,000 |
| Local Ambulance | Up to $1,000 |
💡 Personal Note: I recommended Liaison coverage to a digital nomad client who spent six months working across Southeast Asia. When he developed appendicitis in rural Thailand, the plan covered his emergency surgery and subsequent care in Bangkok. The $1,000,000 medical limit provided excellent peace of mind, and the claims process was handled efficiently from the U.S.**
Plan Highlights
- High medical coverage limits up to $1,000,000 suitable for international healthcare costs
- Strong emergency medical evacuation coverage matching medical limits
- Coverage for acute onset of pre-existing conditions for travelers under 70
- Flexible coverage periods from 5 days to 364 days
- Choice of deductible options to customize premium costs
- Direct billing arrangements with many international hospitals
- 24/7 multilingual emergency assistance services
- Coverage includes COVID-19 treatment as standard medical benefit
Exclusions and Limitations
The Liaison plan has several important exclusions that international travelers should understand before purchasing.
Pre-existing medical conditions are only covered for acute onset episodes, not for routine treatment, scheduled procedures, or expected complications.
Coverage is limited to travelers under age 80, with reduced benefits and higher premiums for those between 70-79 years old.
Routine medical care, preventive services, and elective procedures are excluded from coverage.
Mental health conditions have limited coverage and typically require emergency or inpatient treatment to qualify for benefits.
High-risk activities including extreme sports, mountaineering, and professional athletics are generally excluded unless specifically covered.
❌ Avoid: This plan if you’re over 80 years old, as coverage is not available. Also avoid if you need routine medical care or have planned medical treatments abroad, as this plan focuses specifically on emergency medical situations.
Buying Travel Insurance Online
Can Save Up to 30%!
Pricing Insights
The Liaison Travel Insurance plan falls into the mid-range pricing category for international medical insurance, offering good value for its high coverage limits.
For a 40-year-old traveler on a 30-day trip with a $100 deductible, expect to pay approximately $65-85 depending on the destination and coverage amount selected.
Choosing higher deductibles can significantly reduce premiums, with options ranging from $0 to $5,000.
Age substantially affects pricing, with costs increasing notably for travelers over 60.
The plan offers excellent value considering the high medical and evacuation limits provided.
Ideal Buyer Profile
Liaison Travel Insurance works best for international travelers who primarily want comprehensive medical coverage without trip cancellation benefits.
It’s particularly suitable for digital nomads, extended travelers, business travelers, and adventure tourists who need robust medical protection abroad.
The plan works well for healthy travelers under 80 who want high medical limits and evacuation coverage for extended international trips.
It’s less suitable for travelers over 80, those needing routine medical care abroad, or travelers who want comprehensive trip protection beyond medical coverage.
✅ Pro Tip: If you’re planning extended international travel or working abroad, Liaison’s flexible coverage periods up to 364 days make it much more convenient than purchasing multiple shorter-term policies. The high medical limits are crucial for countries with expensive healthcare systems.
Pros and Cons
| Pros | Cons |
|---|---|
| High medical limits ($1M) for international care | Age limit of 80 excludes older travelers |
| Strong evacuation coverage matching medical limits | No trip cancellation or interruption benefits |
| Flexible coverage periods up to 364 days | Pre-existing conditions have strict limitations |
| Multiple deductible options for cost control | Routine and preventive care excluded |
| Direct billing with international hospitals | Mental health coverage is limited |
User Feedback
Based on available reviews and industry reputation, Seven Corners receives generally positive feedback for their Liaison plans.
Customers frequently praise the straightforward claims process and the high medical coverage limits that provide peace of mind for international travel.
Most complaints relate to coverage limitations for pre-existing conditions or confusion about what constitutes “emergency” versus “routine” care.
The company maintains decent overall ratings, with medical insurance customers typically appreciating the focus on essential coverage without unnecessary extras.
ℹ️ Fun Fact: International medical evacuations can cost anywhere from $15,000 for short distances to over $200,000 for complex cases requiring specialized aircraft and medical teams. The Liaison plan’s $1,000,000 evacuation limit covers even the most expensive scenarios.
Plan Overview
The Liaison Travel Insurance plan is designed specifically for international travelers who want comprehensive medical coverage without paying for trip cancellation benefits they don’t need.
This plan works particularly well for extended travelers, digital nomads, and business travelers who need robust medical protection during international trips but don’t require comprehensive travel insurance.
It provides high medical and evacuation limits while maintaining a focus on essential emergency medical coverage.
Alternatives to Consider
If Seven Corners’ age limitations are problematic, consider IMG’s Patriot International plan, which offers coverage for travelers up to age 99 with adjusted benefits for older travelers.
For travelers wanting both medical coverage and trip protection, AXA’s Silver plan provides medical coverage plus trip cancellation benefits, though at a higher premium.
Compared to WorldTrips Atlas International, Liaison offers similar medical limits but with more straightforward coverage terms and fewer optional add-ons.
Conclusion
Seven Corners Liaison Travel Insurance provides solid international medical coverage for travelers who want high limits without paying for trip cancellation benefits.
The combination of $1,000,000 medical and evacuation coverage makes it particularly suitable for extended international travel or visits to countries with expensive healthcare systems.
While it has limitations around age, pre-existing conditions, and routine care, the plan succeeds in providing comprehensive emergency medical protection at reasonable rates.
For international travelers under 80 seeking focused medical coverage with high limits, Liaison represents good value in the international medical insurance market.
Always review the full policy wording carefully before purchasing. Safe travels!
Buying Travel Insurance Online
Can Save Up to 30%!
