Traveling with the Flu? Consider Visitors Insurance
If you have plans to go abroad, you may want to get a flu vaccine before you leave. Before departure, check to see if your insurance will cover claims in other countries. If not, you can purchase visitors health insurance that covers illnesses and injuries abroad.
Visitor Insurance can cover illnesses like the Flu if you catch the flu after the effective date of the policy. If you wait to buy insurance until an illness/injury occurs, it is too late, and the injury or illness would be considered a preexisting condition if it occurs prior to the effective date of the policy. It is always advisable to buy visitor insurance to cover travelers as soon as they leave the home country.
Simply get a quote, choose a policy, and complete the application for coverage to begin on the date you start traveling.
What is 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:
- A cough
- A sore throat
- A runny nose
- Body aches
- A headache
- Upset stomach
Treatment for the Flu
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 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.
Plans that can Offer Coverage for Flu
Patriot America Plus$79 / mo (for a 45 year old with $50,000 plan maximum)
- Coverage for Hospitalization, ER, Dr. Office Visits, Prescription Drugs
- Urgent Care – $25 copay and No Deductible
- In Network, Co-insurance waived
- Deductible Options from $0 to $2500
After the effective date, for ages under 70 years, acute onset of a pre-existing condition can be covered up to the policy maximum when treatment is obtained within 24 hrs. The acute onset should be a non-chronic pre-existing conditions. $25,000 maximum limit for medical evacuation
Inbound USA$30 / mo (For a 45- year-old with $50,000 plan maximum)
- Fixed benefit plan with coverage per incident
- Deductible options from $0 to $200 per incident
- Hospitalization, ER, Dr. Office Visits, Prescription Drugs
- Three Options- Basic, Choice and Elite
For ages up to 69 years, when treatment is obtained within 24 hrs. of acute onset of pre-existing conditions 1 acute episode per pre-existing condition is covered up to $50,000 with the Basic, $75,000 with the Choice & $100,000 with the Elite. For ages 70-79 years the limit is $25,000;
Patriot America Plus
Patriot America Plus is a comprehensive visitor insurance plan for non-US residents needing coverage in the US. The policy is Underwritten by Sirius International and is rated “A” Excellent by A M Best. The plan is administered by International Medical Group (IMG). The policy follows the United HealthCare PPO network which has a wide network of providers (hospitals, doctors, urgent care, etc.) all over the US.
Patriot America Plus can be bought for a minimum of 5 days and up to 2 years. If you want to be covered for 2 years, you can purchase the plan for 1 year and renew it once your plan expires.
Patriot America Plus offers a wide range of coverage and has policy maximum choices from $50,000 to $1,000,000, and deductible choices of $0 through $2,500. The policy provides coverage for an acute onset of a preexisting condition for people below the age of 70.
Definition of a Pre-existing Condition for Patriot America Plus:
A sudden and unexpected outbreak or recurrence of a pre-existing condition which occurs spontaneously and without advance warning (either in the form of physician recommendations or symptoms), is of short duration, is rapidly progressive, and requires urgent medical care. The onset of a pre-existing condition must happen after the effective date to be covered, and the patient must be below 70 years old. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence.
A pre-existing condition which is a chronic or congenital condition or that gradually becomes worse over time and requires medical care, drugs or treatments existing or necessary prior to the effective date are not considered to be an acute onset.
Only “acute onset of pre-existing conditions” is covered for people under 70 years old up to the specified limit for an acute onset of a pre-existing condition.
Patriot America Plus
Patriot America Plus insurance policy provides medical insurance to non-US citizens and non-US residents while visiting the US. The policy offers coverage for covered medical expenses including hospitalization, surgery, physician visits and prescriptions. The plan includes acute onset of non-chronic pre-existing condition coverage. For more details you can review the BrochurePurchase Now
There are various Inbound USA Travel Insurance programs from Seven Corners offers four levels of coverage. The company pays on a maximum amount per injury or sickness basis, ranging from $50,000 to $130,000. Rates are different for those aged 70 and older. The maximum amounts also have sub-limits based on the medical professional attending to your needs and the services provided. Deductibles can be selected ranging from $0 up to $200.
The Inbound plan includes benefits for an Acute Onset of a Pre-existing Condition up to the age of 70 years. When you sign up for the policy you do not have to declare any medical condition. The policy maximum varies by age. The policy has various sub-limits on the benefits you get which vary per the policy maximum you opt for. For those in this upper age bracket, Emergency Evacuation is reduced for all plans to $25,000. Hospital Room and Board pays a standard rate from $1,400 up to $2,535 per day with a maximum of 30 days depending on the policy maximum you choose.
During your visit in the US, if there is an acute onset of a pre-existing condition and if you receive treatment within 24 hours of this sudden and unexpected recurrence, the Inbound USA Travel Insurance Series pays up to a maximum of $100,000 (ages up to 69 years) depending on the choice of coverage i.e. Basic, Choice or Elite. For ages 0-69, the Inbound USA Basic provides $50,000, the Inbound USA Choice provides $75,000 while the Inbound USA Elite provides $100,000. For ages 70-79 years this coverage drops to $25,000 on the Liaison Basic and Choice plans while there is no coverage for over 70 years with the Inbound Elite.
Definition of a Pre-existing Condition for the Inbound USA:
For the Inbound USA Series, an Acute Onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence of a pre-existing condition which occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms and requires urgent care. A pre-existing condition that is a congenital condition or that gradually becomes worse over time will not be considered an acute onset. A pre-existing condition will not be considered an acute onset if during the 30 days prior to the acute event you had a change in prescription or treatment for a diagnosis related to the acute event. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs, or treatments existent or necessary prior to your arrival in the US and before the effective date of the policy.
Inbound USA medical insurance is a scheduled travel insurance policy providing medical insurance for visitors to the US, i.e. non-US citizens traveling to the US. Inbound USA medical insurance has three options to choose from, Basic, Choice, and Elite. With the Inbound USA, your coverage length may vary from 5 to 364 days for all three plan options. You can extend the Inbound USA Choice and Inbound USA Elite plans up to three years (1,092 days). For more details you can review the BrochurePurchase Now
Visitors Insurance Flu FAQ
Travel health insurance policies can cover you for unexpected and new illnesses or injuries that happen after the policy goes into effect. These policies do not provide coverage for preventative care, pre-existing conditions, dental or vision. Vaccinations fall under preventive care, and are not covered by any travel medical insurance policies.
To get a Flu shot you can go an Urgent Care or even a Pharmacy like CVS or Walgreens. However Flu Shot is considered preventive care and is excluded by the travel insurance policies. Typically Flu shots should cost anywhere between $30- $40. You might be able to get a coupon to use at the pharmacy for Flu Shots. It is a good idea to ask the Pharmacist when you decide to take the shot.
Visitor medical Insurance can start the same or the very next day after you apply for the policy. However, the policy can cover an illness or injury that happens after the effective date of the policy which is not linked to a preexisting condition. In this situation as you will buy the insurance after getting an illness, any claims for this illness will be denied.
If you wait to buy insurance until an illness/injury occurs, it is too late and this injury or illness would be considered a preexisting condition if it occurs prior to the effective date of policy. It is always advisable to buy a visitor insurance to cover travelers as soon as they leave the home country.