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Does travel insurance cover the flu?

Travel insurance and the flu

When you're planning a trip, getting sick with the flu is probably the last thing on your mind. However, it's important to know whether your travel insurance covers such unexpected illnesses. The short answer is: it can cover the flu, but it depends on the specifics of your policy.

What does travel insurance typically cover when it comes to the flu?

Travel insurance can offer coverage for various flu-related issues:

Medical Expenses

If you catch the flu before or during your trip, travel insurance may cover the cost of your medical treatment. This is one of the most common coverages and can include doctor visits, medication, and hospital stays.

Trip Cancellation

Should you contract the flu before your departure, travel insurance might allow you to cancel the trip and receive reimbursement for non-refundable costs.

Trip Interruption

If you or your travel companion gets the flu while on the trip, your policy may cover additional expenses incurred if you need to return home earlier than planned.

Why?

Why does travel insurance coverage for the flu matter?

  • It can affect your ability to travel.
  • Medical costs abroad can be expensive.
  • It provides peace of mind during flu season travel.

How does travel insurance cover the flu if you’re already traveling?

  • Medical Care: If you get the flu while traveling, travel insurance can cover doctor’s visits and treatment. Keep all documentation and receipts for claims.
  • Trip Interruption: If severe enough, the flu can be a valid reason to cut your trip short, and your insurance may reimburse the expenses for the unused part of the trip and additional travel costs.
  • Daily Allowance: Some policies provide a daily cash benefit if you’re hospitalized while traveling.

What are the disadvantages and advantages of travel insurance for seniors?

  • Financial Protection: Coverage for the flu can save you from high medical bills, especially in countries with costly healthcare.
  • Assistance Services: Travel insurance often comes with support services, such as help finding a local doctor or arranging medical transport.
  • Exclusions: Some policies may not cover pre-existing conditions, which could include chronic respiratory issues that the flu exacerbates.
  • Waiting Periods: There may be waiting periods before the insurance covers flu-related cancellations.
  • Extra Costs: You might have to pay more for a comprehensive plan that includes flu coverage.

How can you do it right?

To make sure you’re properly covered for the flu when traveling:

  • Choose the Right Policy: Ensure your policy specifically includes coverage for flu-related issues.
  • Understand the Terms: Know the limits of coverage, including any deductibles and waiting periods.
  • Get Vaccinated: Some policies require you to take reasonable steps to prevent illness, such as getting a flu shot.

Common Misunderstandings

  • “Any Sickness is Covered”: Not all travel insurance automatically covers every illness. Specific terms apply.
  • “I Can Cancel for Fear of Getting Sick”: Fear of contracting the flu is typically not a covered reason for trip cancellation.
  • “Coverage Begins Immediately”: Most policies have a waiting period before cancellation coverage for sickness kicks in.

How can Gerrards help?

At Gerrards, as an experienced insurance broker in New Zealand, we specialize in travel insurance and can assist you by:

  • Choosing a Suitable Policy: We can guide you to policies that provide flu coverage.
  • Explaining the Fine Print: Our team will help you understand the terms and conditions of your policy.
  • Managing Claims: Should you need to make a claim due to the flu, we can support you through the process.

Remember, Gerrards is here to ensure that you are adequately prepared for any hiccups on your journey, including the flu. Whether you need advice on the right coverage or assistance with a claim, we’ve got you covered.

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