Travel with peace of mind.
Travelling can be complicated enough. Most health insurance plans provide only partial or no coverage while you are traveling in another country.
If a medical problem occurs while you are abroad, you will feel better just knowing that someone is there for you.
This Plan offers 24-hour accident protection while traveling abroad, to help cover those unforeseen medical costs.
Our plan has affordable rates and covers the entire length of your stay. Perfect for family summer vacations, graduation trips, or for any individual who travels internationally.
Eligibility & Enrollment
The LRFA Travel Medical Plan provides coverage for U.S. citizens traveling outside the United States. All LRFA members and their dependent children under age 18 are eligible to apply.
Members who are in good health, can be covered for a maximum period of eight(8) months, per year. Coverage is for the entire duration of your trip. When applying, please include both departure and return dates in your total day count.
To enroll, current LRFA members must complete the Travel Application form and return it with payment in full, at least 30 days prior to departure from the U.S.
Anyone who is not currently an LRFA member must first apply for membership: APPLY NOW
Effective Date & Termination
Individual coverage will become effective upon the latest of the following: (1) the date of departure from the United States, or (2) the date requested in the application.
Individual coverage will terminate upon the earliest of the following: (1) the moment the covered person arrives back in the United States, (2) the expiration of eight months from the effective date of the coverage, or (3) the date the agreement terminates.
You are not eligible for benefits if you are hospitalized due to a mental illness, AIDS, war injuries, or injuries resulting from participation in demonstrations or police actions. Benefits do not apply if you are receiving medical care in nursing homes, convalescent residences, mental institutions, extended care facilities, state hospitals, VA hospitals, or drug and alcohol rehabilitation clinics. Additonal limitations may apply.
Requests for Benefits
Benefits may be requested from the LRFA office, no later than six (6) months after treatment or examination. The participant must complete and sign a benefit request form, and submit it along with all hospital and physician bills (or legible copies). Bills must clearly show dates of treatment, types of treatment/operation, diagnosis and cost.
These pages are designed to provide general descriptions of our benefit plans and further restrictions may apply or may have changed. For further information, please contact the LRFA office or refer to specific plan Regulations.