Visitors from Abroad
Protect your family when they visit you in the U.S.!
The Emergency Accident and Health Benefit Plan is designed to protect travelers from high medical bills if they fall sick or are injured when they are on vacation or visiting family.
Medical coverage is particularly important in the United States where healthcare for the uninsured can be very expensive.
The LRFA plan allows members to obtain coverage for their relatives/friends visiting the United States for up to twelve months.
The Emergency Accident and Health Benefit Plan for Visitors from Abroad is not a general health insurance policy,
but an interim travel medical plan intended to cover unexpected medical costs as a result of sudden accidents or illness.
Enrollment & Eligibility
Any adult (over age 18) relative/friend of an existing LFRA member, who is a foreign national, and their natural or legally adopted
children over 14 days and under 18 years of age, while on a legal trip to the United States for a period not to exceed 12 months,
is eligible for this coverage. Coverage must include the entire duration of the visitor's stay in the United States and be paid in full prior to departure from the individual's home country.
To enroll, the LRFA member must complete the application form
LRFA Emergency Accident & Health Benefit Plan For Visitors From Abroad and
return it with payment in full, prior to the visitor(s) departure from their home country.
***All contacts, correspondence, etc. regarding the covered visitor will be made with the LRFA member only.***
Effective Date & Termination
Coverage becomes effective the moment the named individual arrives in the United States and terminates the moment the covered person
leaves the United States. Generally, this coverage cannot exceed twelve months.
However, coverage may be extended for up to an additional twelve months by contacting LRFA.
Vistors to the U.S. are not eligible for benefits if they 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 the individual is receiving medical care in nursing homes, convalescent residences, mental institutions, extended care facilities, state hospitals, VA hospitals, or drug and alcohol rehabilitation clinics.
Requests for Benefits
Benefits may be requested from the LRFA office, no later than six (6) months after treatment or examination. Benefit payments for medical expenses are made after coverage eligibility is determined by the LRFA. 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.