Methods and compositions for triggering the delivery of an encapsulated therapeutic agent from a liposome are provided. Liposomes of opposite charge and incorporating lipids which favor non-lamellar structures are contacted in vivo. At least one of the liposome encapsulates at least one therapeutic drug or agent. Preferably, the liposomes have a fusogenic hydrophillic coating, such as PEG to control the rate of interaction of the liposomes and release of the therapeutic agent.