Visitors Insurance for Flu Treatment in the USA
Visitor Guard® has been ensuring the health of many tourists traveling abroad. Generally, when people travel, their bodies are more susceptible to flu and other infections, due to sudden changes in temperature and environment. In such cases, many travelers need medical attention. Medical costs in foreign countries may be sky-high. Visitors Insurance for Flu is the best way to compensate for such sudden expenses.
Visitor Insurance for flu usually covers illnesses like the Flu or other injuries caused during the trip. It is always advisable to buy Visitor's health insurance if you are planning to travel abroad.
Visitor Guard® makes the whole process extremely easy, simply get a quote, choose a policy, and complete the application, the coverage begins on the date you start traveling. This is the safest way of traveling!
Visitors Insurance for Flu - Limited Benefit Plans
Visitors Care Insurance
$31 / mo For age 45 year with $50,000 plan and $100 deductible
- Plan maximum limits ranging from $25,000 to $100,000
- Deductible options of $0, $50, $100 (varies by age)
- Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19
- Coverage for non-chronic Acute Onset of Pre-existing conditions
- Coverage from 5 days to 2 years
- Brochure
- Review Plan
Safe Travels Elite
$38 / mo For age 45 year with $50,000 plan and $0 deductible
- Plan maximum limits ranging from $25,000 to $170,000
- Deductible options $0; For ages 79 to 89 yrs: $100, $200
- Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19
- Coverage for 1 Acute Onset of Pre-existing conditions
- Coverage from 5 days to 2 years
- Brochure
- Review Plan
Visitors Insurance for Flu - Comprehensive Plans
Patriot America
$73 / mo For age 45 year with $50,000 plan and $250 deductible
- Plan maximum limits ranging from $50,000 to $1 million
- Deductible options from $0 to $2,500
- Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19
- Coverage for non-chronic Acute Onset of Pre-existing conditions
- Coverage from 5 days to 2 years
- Brochure
PATRIOT PLATINUM
$167 / mo For age 45 year with $2 million plan and $250 deductible
- Plan maximum limits ranging from $1 million to $8 million
- Deductible options from $0 to $2,500
- Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19
- Coverage for non-chronic Acute Onset of Pre-existing conditions
- Coverage from 5 days to 2 years
- Brochure
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Benefits of Visitors Insurance for Flu
Flu is a contagious disease, which means it would spread quickly if not treated on time. If you catch flu while traveling there are high chances of you spreading it to other travelers. At such times travel insurance for flu comes in handy, to receive immediate treatment. Here are the benefits of purchasing a Visitors Insurance for Flu.
- Quick Medical treatment while traveling: If you need a doctor's assistance or even immediate hospitalization, the insurance policy covers the cost.
- Pre-existing conditions are covered: If your travel health insurance covers a certain pre-existing cover, you can benefit from it while traveling.
- Covid-19 protection: As the possibility of corona infection is high, your insurance plan covers the cost of treatment and medication.
- Saves from sudden medical expense: Buying a travel health insurance plan will save you from bankruptcy as the expense of treatments in foreign countries may be high.
- Critical illness cover: Travel health insurances also cover critical illnesses, like heart attack, stroke, paralysis, etc.
Why choose us for Visitors Insurance for Flu?
If you wish to buy a Visitors Insurance for Flu there are many Insurance providers in the market. But Visitor Guard® has been the choice of many travelers not just in the USA but across the globe for the following reasons.
- Affordable premiums: We offer Insurance plans with premiums that suit your budget.
- Multiple Options: You need not visit multiple insurance companies to compare and buy the best plan. With Visitors Guard, you get top-notch travel insurance for flu under one roof.
- Experts Agents at your service: It may be a hassle to choose from several insurance plans. Worry not! Our experienced insurance agents will guide you throughout the process.
- Quick claim settlements: With us, you receive your claim amount, in a matter of days. We assist all our customers to file and settle all insurance claims.
- Round-the-clock service: We have our helplines open for clients 24/7. You can call us anytime and clear your doubts or queries.
What isthe Flu?
You must be wondering why you need to purchase travel insurance for flu? Flu is a respiratory illness resulting from the influenza virus. Although they share several of the same symptoms, flu is not the same as a common cold. Cold is the result of a different type of virus and tends to have milder symptoms and fewer complications than flu.
The signs and symptoms of flu are:
- Fever
- A cough
- A sore throat
- A runny nose
- Body aches
- A headache
- Chills
- Upset stomach
Although, several Visitors Health Insurance policies cover flu. There are chances that your insurance may have excluded the coverage for Flu and similar infectious diseases. It always better to purchase a Visitors Insurance for Flu, before you start your travel.
Tips for buying Visitors Insurance for Flu.
It is always advised to purchase a Visitors Insurance for Flu before you start to travel, as this insurance hardly covers pre-existing conditions.
Travel insurance for flu covers illnesses like the Flu if and only if catch it after the effective date of the policy. If you buy the insurance after you are infected with the flu, then the insurance policy will treat it as a pre-existing condition and will not compensate for the treatment.
Purchase your insurance policy, before you leave your home country.
Many Visitors Health Insurances have certain terms and conditions regarding the extent of coverage of the policy. It is wise to read the policy documents thoroughly before purchase.
Patriot America Plus - Best Comprehensive Plan for Flu Treatment
Patriot America Plus is a comprehensive visitor insurance plan for non-US residents needing coverage in the US. The policy isunderwritten by Sirius International and is rated “A” Excellent by AM Best. The plan is administered by the 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 can be bought as travel insurance for flu as it 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 pre-existing condition for people below the age of 70.
Definition of a Pre-existing ConditionforPatriot America Plus:
A pre-existing condition is a chronic medical condition that the policy buyer has before he purchases a Visitors health Insurance policy. A sudden and unexpected outbreak or recurrence of a pre-existing condition that 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.Also, flu does not count as a pre-existing condition and is hence covered by the Visitor Insurance for Flu.
Buy 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 Brochure
Visitors Insurance for Flu - FAQ
No! Visitors Insurance for Flu policies covers 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.HoweverFlu Shot is considered preventive care and isexcludedby the travelinsurancepolicies. 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 pre-existing condition.
In this situation as you will buy the insurance after getting an illness. Therefore, any claim 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 pre-existing condition if it occurs before 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.
No! Flu is not a pre-existing condition and hence is covered in travel medical insurance. However, if you have flu before the purchase of the insurance policy it will be considered as a pre-existing condition. And won’t be compensated for.
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