Travel Insurance Explained for Flu & Other Sickness (2024)

FAQs

Travel Insurance Explained for Flu & Other Sickness? ›

Most travel insurance policies may offer coverage for medical expenses incurred while traveling, including those related to infectious diseases. However, travel insurance is designed to cover unforeseen events, so it's important to carefully review the policy details to determine what is covered and what is not.

Generali travel insurance with Medical coverage can help pay for medical treatment if you get sick with the flu or another illness on your trip.

Travel insurance usually includes holiday cancellation cover in case your trip is cancelled for reasons beyond your control – illness or the death of a close family member, for example.

What type of travel insurance do I need? There are two main types of travel insurance: trip protection plans and travel medical plans.

You will usually receive reimbursem*nt if your trip is cancelled for: unexpected illness or injury of you or a traveling companion that deems you unfit to travel; hospitalization or death of non-traveling family member; weather or common carrier issues; unforeseen natural disaster at home or the destination; a legal ...

Reasonably foreseeable events. Known storms, epidemics, acts of war. Travel restrictions imposed by government authorities. Pre-existing conditions, unless the Premium plan is bought within the window for coverage.

Cost: Travel insurance will add to the overall cost of your trip. Some may choose to forgo it to save money, especially on shorter or less expensive trips. Exclusions and Limitations: Policies may have various exclusions and limitations, so it's essential to read the fine print.

Some examples of covered reasons could be: Sickness, injury, death, or quarantine of a member of your travel party. A delay that causes you to miss or interrupt any part of your covered trip due to weather, mechanical reasons, or travel advisory.

The most common covered reason is unforeseen illness, injury, or death of the traveler, a traveling companion, or a non-traveling family member. Other common covered reasons include terrorism, inclement weather, or a natural disaster, among others.

What is the best travel insurance to buy? ›

Claims due to known, foreseeable, or expected events, epidemics, government prohibitions, warnings, or travel advisories or fear of travel are generally not covered (coverage can vary by state.)

Travel insurance covers medical emergencies and other trip disruptions. You get international health insurance if you are moving away for work, studying, retirement, etc. and will spend the majority of your time abroad.

Preventive measures such as vaccinations are not covered in any of the visitors insurance. In fact, no short term health insurance plan will cover vaccinations.

For broader coverage, you may consider purchasing travel health coverage which can also cover minor things like flu, cold, fever etc. Emergency medical coverage in trip cancellation insurance usually provides coverage from $10,000 to $250,000.

Medical emergencies

If you become sick when you're travelling, here's how to find help: Most major tourist hotels have in-house doctors who can provide medical care. Hotels can also arrange appointments with local physicians.

Travel insurance policies with cancellation cover will generally cover cancellation costs arising from circ*mstances such as: You suffer from an unforeseen illness, injury or death.

Do not travel if you are sick. If you are sick with flu-like symptoms, do not travel.

Common covered reasons for trip interruption are injury or sudden illness to you or a traveling companion, severe weather en route to or at your destination, a family death or a life-threatening emergency at your home.

Trip cancellation insurance usually does not cover changes in pre-existing medical conditions. If your arthritic knees cause pain that makes you cancel your trip two weeks out, the insurance company may deny your claim.