Visitors Insurance For The Flu

The flu is a respiratory illness resulting from the influenza virus. Although they share several of the same symptoms, the flu is not the same as a cold. Colds are the result of a different type of virus and tend to have milder symptoms and fewer complications than the flu. The signs and symptoms of the flu can include:

  • Fever
  • A cough
  • A sore throat
  • A runny nose
  • Body aches
  • A headache
  • Chills
  • Upset stomach



It is essential to understand that antibiotics only treat bacterial infections. Because influenza is viral, antibiotic treatment will not heal the flu. So it is important to rest, stay hydrated, and stay away from others. You can also:

  • Reduce your fever with a damp cloth on your forehead.
  • Take medications to relieve the discomfort and fever.
  • Gargle with warm water or suck on lozenges to help a sore throat.
  • Shower regularly and keep bedding and nightwear clean and dry.
  • Use moisturizer to stop your lips from cracking.

Traveling With The Flu

If you have plans to go abroad, you may want to get a flu vaccine before you leave. Of course, washing your hands and avoiding people who are sick is good practice as well. Before departure, check to see if your insurance will cover claims in other countries. If not, you can purchase visitors health insurance that covers injuries and illnesses abroad.

Visitors Insurance

Unfortunately, visitors insurance companies do not cover preventative measures such as a flu vaccine. If you have the flu before you purchase a plan, visitors insurance will not cover the flu treatment as it is a pre-existing condition. However, if the flu occurs after the effective date of the policy, visitors insurance will cover treatment. Two great visitors insurance plans that offer acute onset of pre-existing conditions coverage are those provided by Patriot and Inbound USA.


Although Patriot will not cover a pre-existing condition such as the flu, the company does offer optional acute onset of a pre-existing condition insurance coverage for people below 70 years of age. The coverage is up to the medical maximum for pre-existing conditions and up to $25,000 for pre-existing condition emergency medical evacuation. The plan pays 90% of the expense after the deductible within the network and 80% out of network. A detailed explanation of the coverage available from Patriot is available at Patriot America Plan

Inbound USA

Inbound USA offers coverage for acute onset of pre-existing conditions for individuals below the age of 70. For the flu, the acute onset must occur in the US, with the treatment administered in the US within 24 hours of the initial symptoms. Flu coverage is $50,000 payable to the scheduled amounts. To see a full explanation of the coverage go to Inbound USA Plan