Travel Insurance Explained for Flu & Other Sickness (2024)
Where the flu really comes into play for travelers – and travel insurance –is if they get sick.
Flu season can have serious consequences for a trip. For instance, just before you expect to leave on a vacation, you or someone in your family gets too sick to travel. You could be out of luck if you have non-refundable airline tickets, hotel reservations or other prepaid trip costs and can’t get a refund.
Does travel insurance cover cancellation due to illness?
Travel insurance with Trip Cancellation coverage will cover you if you, a traveling companion or family member come down with an illness before your trip and an in-person visit to a doctor certifies that you’re too sick to travel. You can also be covered if a non-traveling family member is hospitalized due to an illness and you are unable to make the trip.
If you or a family member come down with a severe case of the flu, or if there’s an underlying health condition that can exacerbate or prolong flu symptoms, it’s possible to get sick enough from the flu to have to cancel a trip.
Regardless, if you feel too sick to travel it’s important to have your opinion confirmed and your diagnosis documented by a doctor. Medical documentation will be required if you’re looking to be reimbursed for your non-refundable trip costs if you have to cancel your trip.
Generali travel insurancewith Medical coverage can help pay for medical treatment if you get sick with the flu or another illness on your trip. Trip Interruption and Travel Delay coverages, included with all of our plans, can also help out if you get sick on vacation.
Trip Interruption coverage can reimburse you for the prepaid cost of trip arrangements that you miss out on while you’re sick (accommodations, tours, flights event tickets and more).
Travel Delay coverage can provide reimbursem*nt for reasonable out-of-pocket expenses, such as hotel accommodations, meals and transportation if you are unexpectedly delayed during your trip for a specified amount of time.
Submit all the requested documentation, which may include a Physician Statement Form, statements and records from treating doctors, documentation of refunds received from travel suppliers and more.
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.
Conditions like terminal illness, the need for oxygen, pending surgery, chronic lung disease, cardiovascular disease, specific types of cancer, congestive heart failure, and recurring pain are generally excluded from coverage.
A sick note, sometimes called a doctor's note or a medical certificate, is a recommendation from your doctor about your medical condition and how it affects your ability to attend school or work. Sick notes can be for short illnesses, minor surgeries, or chronic conditions and explain why and how long you'll be absent.
The most common reasons for a denied claim include: There's insufficient documentation or evidence to support a claim. These include a lack of receipts, proof of payments or proof of the incident that you're making the claim for, such as a cancellation, necessary medical care or anything else that cost you money.
Travel insurance companies generally require proof of the duration of a trip in order to assess the appropriate policy. This is generally to ensure that customers are fully covered for the duration of their trip and are not left without medical or emergency assistance overseas should something happen.
Do I have to declare anxiety on travel insurance? Yes, you will need to tell us about any mental health-related conditions that you or, any travellers on your policy, have been diagnosed with. As part of your quote, you'll be able to declare anxiety as a pre-existing health condition.
Introduction: My name is Dr. Pierre Goyette, I am a enchanting, powerful, jolly, rich, graceful, colorful, zany person who loves writing and wants to share my knowledge and understanding with you.
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