Enjoy private medical facilities when you most need them

Travel insurance usually provides cover only in state/public hospitals. This policy provides cover in private medical facilities

Holiday travel insurance providing private medical treatment

Please note the policies listed below should be purchased in addition to our own, as a 'top-up' policy to obtain private medical treatment.

If you need medical consultations or hospital treatment when you’re on holiday, do you assume that your travel insurance will pay for it to be in a private facility? Many people do – incorrectly. However, if you check travel insurance policy wordings, you’ll probably see they state that treatment has to be in a state/public hospital (unless, obviously, no such facility exists).

We’re aware that many of our clients would prefer to be treated in a private health setting and we can now offer this to you.

For several years we have partnered with an American insurer, which will not restrict where you obtain treatment.

First, purchase one of our own policies by clicking the button appropriate to you, above. Then, choose one of the policies listed below as a ‘top-up’ so you can obtain private medical treatment when on your trip. The ‘top-up’ policy is primarily for medical expenses, so cover for things like cancellation, curtailment, delay, loss/theft of baggage etc would need to be covered under our own policy.

The ‘top-up’ policies provide cover for pre-existing medical conditions only in very limited circumstances. They therefore might not provide cover in a private medical facility for treatment of a pre-existing condition. To check, you can telephone the insurers on 00 1 800 335 0611. You should ensure any pre-existing medical conditions are covered by our own pre-existing medical travel insurance.

You will be able to read each ‘top-up’ policy’s summary and the full policy wording when you click the banner and get to the first page of the quotation system. As the insurer is American, the term ‘deductable’ in the quotation process is equivalent to our term ‘excess’, that is, the amount you pay towards a claim before the insurance begins to provide cover.

As these ‘top-up’ policies are not our own, we cannot offer advice or provide further information about them. If you have any questions, please contact the insurer direct on 00 1 800 335 0611. As a policy holder, the policies offer you:

  • Comprehensive world health insurance coverage
  • Access to a network of thousands of international doctors and hospitals
  • Multi-lingual customer service phone line, available 24/7/365
  • Customised country profiles and travel suggestions before you depart on your trip
  • Ongoing travel protection and support during your trip

For policies for a single trip, see immediately below. For longer stay products, click here and for multi-trip policy, click here For Student Medical Insurance, click here

LIAISON INTERNATIONAL TRAVEL INSURANCE
Best for:

Travellers taking trips of between 5 and 45 days. This plan will pay for new illnesses/ new injuries based on the area where you are being treated.

The main points of cover can be seen in the table below. For more information and to obtain a quotation, please click on the link below.

SUMMARY OF COVER

Medical maximum $50,000 - $1,000,000 Emergency medical evacuation/ repatriation Up to $300,000
Accidental death & dismemberment (AD&D) Up to $25,000 Terrorism Coverage Available (Except certain states underwritten by Certain Underwriters at Lloyd's of London)
Dental coverage Up to $500 Waiver of Pre-Existing conditions Up to $20,000- See exclusion #1 in the Brochure for full details
Acute Onset of Pre-existing Conditions (for foreign nationals) Up to $15,000 lifetime- See definition & exclusion #1 in the Brochure for full details Travel Assistance Services Included- Available 24/7/365

LIAISON MAJESTIC TRAVEL INSURANCE
Best for:

Travellers while outside of their fixed and permanent residence for between 5 and 45 days. This plan will pay for new illnesses/ new injuries based on the area where you are being treated

The main points of cover can be seen in the table below. For more information and to obtain a quotation, please click on the link below.

SUMMARY OF COVER

Medical maximum $50,000 - $1,000,000 Emergency medical evacuation/ repatriation Up to $300,000
Accidental death & dismemberment (AD&D) Up to $25,000 Terrorism Coverage Available (Except certain states underwritten by Certain Underwriters at Lloyd's of London)
Dental coverage Up to $500 Waiver of Pre-Existing conditions Up to $20,000 - See exclusion #1 in the Brochure for full details
Acute Onset of Pre-existing Conditions (for foreign nationals) Up to $15,000 lifetime - See definition & exclusion #1 in the Brochure for full details Travel Assistance Services Included- Available 24/7/365

LIAISON CONTINENT TRAVEL INSURANCE
Best for:

Travelers while outside of their fixed and permanent residence for between 5 and 187 days. This plan has multiple co-insurance options.

Coverage Period: Up to 187 days

Coinsurance Options:

<Inside the United States and Canada

Plan A: After you pay the deductible, the program pays 80% of the 1st $5,000 of eligible expenses, then 100% to the selected Medical Maximum.

Plan B: After you pay the deductible, the program pays 75% of eligible expenses to the selected Medical Maximum.

Outside the United States and Canada

Plan E: After you pay the deductible, the program pays 100% to the selected Medical Maximum.

Plan F: After you pay the deductible, the program pays 80% of eligible expenses to the selected Medical Maximum.

The main points of cover can be seen in the table below. For more information and to obtain a quotation, please click on the link below.

SUMMARY OF COVER

Medical maximum $50,000 - $1,000,000 Emergency medical evacuation/ repatriation Up to $300,000
Accidental death & dismemberment (AD&D) Up to $50,000 Home Country Coverage Up to $50,000
Dental coverage Up to $500 Interruption of trip Up to $5,000
Acute Onset of Pre-existing Conditions (US Residents) Up to $25,000. lifetime - See definition & exclusion #1 in the Brochure for full details Acute Onset of Pre-existing Conditions (Non US Residents) Up to $45,000. lifetime - See definition & exclusion #1 in the Brochure for full details

LONGER STAY POLICIES

Reside Worldwide
Reside Worldwide offers seamless coverage throughout the world. With extensive international and U.S. provider networks and an assistance team that is available 24/7 365 days a year, you are protected anywhere and anytime.<>p>

Best for:

If you are travelling often or residing away from your home country.

Coverage period: Up to 365 days

The main points of cover can be seen in the table below. For more information and to obtain a quotation, please click on the link below.

SUMMARY OF COVER

Medical maximum $50,000 - $1,000,000 Emergency medical evacuation/ repatriation (in addition to the Medical Maximum) Up to $300,000
Accidental death & dismemberment (AD&D) Up to $50,000 Home Country Coverage Up to $50,000
Interruption of Trip Up to $5,000 Waiver of Pre-Existing conditions Up to $50,000
Dental coverage Up to $500 lifetime Travel Assistance Services Included- Available 24/7/365

Reside Prime Worldwide
Reside Prime offers seamless coverage throughout the world. With extensive international and U.S. provider networks and an assistance team that is available 24/7 365 days a year, you are protected anywhere and anytime.<>p>

Best for:

If you are traveling often, residing away from home, or residing in your home country.

Coverage period: Renewable 364-day policy period

The main points of cover can be seen in the table below. For more information and to obtain a quotation, please click on the link below.

SUMMARY OF COVER

Medical maximum $50,000 - $1,000,000 Emergency medical evacuation/ repatriation (in addition to the Medical Maximum) Up to $300,000
Accidental death & dismemberment (AD&D) Up to $50,000 Home Country Coverage Up to $50,000 - please see policy brochure
Interruption of Trip Up to $5,000 Waiver of Pre-Existing conditions Up to $50,000 See definition & exclusion in the Brochure for full details
Dental coverage Up to $500 lifetime Travel Assistance Services Included- Available 24/7/365

MULTI-TRIP POLICIES
Wanderer Frequent Traveller
If you travel more than once a year, this is the policy for you.<>p>

Best for:

Frequent travelers looking for evacuation and medical coverage, when outside your fixed permanent residence. Take as many trips as you want throughout the year, as long as the trips are fewer than 30 days.

Coverage period:Unllimited number of trips per year; up to 30 days per trip

The main points of cover can be seen in the table below. For more information and to obtain a quotation, please click on the link below.

SUMMARY OF COVER

Annual Frequent Traveler Plan, up to $1,000,000 in Medical Benefits Emergency Evacuation, Repatriation, and 24-Hour Assistance Services
Covered benefits include Political Evacuation and Terrorism Underwritten by Certain Underwriters at Lloyd’s, London