ICICI Lombard Travel USA Premium vs Liaison Travel Plus
ICICI Lombard Travel USA Premium carries limited PED cover, while Liaison Travel Plus only offers acute-onset PED cover only. For most parents over 60 with even one chronic condition, that single line decides the comparison. Here's how each line of the policy actually plays out.
ICICI Lombard Travel USA Premium carries this one 5 to 2. The decisive lines are pre-existing condition cover and avg claim settlement; the consolation for Liaison Travel Plus is typical premium band.
Side-by-side: who wins what
| Feature | ICICI Lombard Travel USA Premium | Liaison Travel Plus | Winner |
|---|---|---|---|
| Coverage limit | $500k | $500k | |
| Lowest deductible | - | - | |
| Pre-existing condition cover | Limited | Acute-onset | ICICI Lombard Travel USA Premium |
| Direct billing at hospitals | Yes | Yes | |
| Hospital network size | Very large | Very large | |
| Typical premium band | ~$515 | ~$408 | Liaison Travel Plus |
| Avg claim settlement | 19 days | 22 days | ICICI Lombard Travel USA Premium |
| Age eligibility | 1-80 | 14-79 | ICICI Lombard Travel USA Premium |
| COVID covered | Yes | Yes | |
| Emergency evacuation | $500k | $500k | |
| 24×7 support | Yes | Yes |
Where they're the same
- Both ICICI Lombard Travel USA Premium and Liaison Travel Plus settle directly with US hospitals — no $50k credit card hold at admission.
- COVID-19 treatment is in scope on both — handled like any other illness, not a separate rider.
- 24×7 phone support sits behind both plans — useful when a hospital admits at 2am IST and you need pre-auth.
- Both are true comprehensive plans — they pay actual hospital bills, not capped per-day or per-procedure amounts.
PED sublimit lower than US-domiciled plans
PED only acute-onset and age-capped at 69; trip cancellation is limited, not a full TC plan.
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This comparison reflects publicly available ICICI Lombard and Seven Corners plan documents as of 2026. Sub-limits, exclusions and territorial rules can change between buy dates, so the official ICICI Lombard Travel USA Premium and Liaison Travel Plus certificates are the source of truth.