Swine Flu travel insurance information

Swine Flu Travel Insurance

The recent swine flu epidemic has made purchasing travel insurance even more important.

One of our premier travel insurance providers, International Medical Group®, is closely monitoring the status of the H1N1 virus (“swine flu”) and its affect on international travel.

Our firm understands that the World Health Organization on April, 29, 2009 raised the influenza pandemic from a phase 4 to a phase 5. As of May 1, 2009, the swine flu has caused mostly mild illness outside of Mexico with more serious illness and even deaths in Mexico. We feel that the incidence of swine flu in Mexico is very much higher than what is reported or confirmed.

This potentially full blown epidemic is of concern, however, it also brings to the forefront the awareness of having international medical coverage such as the IMG Patriot® travel product or an IMG Patriot T.R.I.P.® program. Here are some basic questions and answers. Please let us assist with some of the basic questions and answers IMG is aware of at this time:

Patriot Series of Products and Programs

Travel Medical Products

Is swine flu a covered illness?
It would be treated like any other illness or flu condition so that as long as the product was purchased prior to contracting the flu, the illness will be considered as an eligible medical expense under all other terms and conditions of the IMG plan Certificate of Insurance.

What happens if a Travel Warning is issued?
A traveler should always review and be aware of all Travel Warnings. Based on that review, a Traveler must make a responsible decision regarding his or her travel plans. Swine flu, like any acute illness, is and would be considered an eligible medical condition subject to all other terms and conditions under the Certificate of Insurance.

Can I cancel my plan and get a refund?
Yes, as with all of the Patriot series products, you may cancel the Certificate for any reason prior to the effective date and receive a full refund. If canceled after the effective date, the refund is contingent upon the plan design. Please refer to the product brochure or contact IMG for clarification.

IMG Trip Cancellation Programs

Is swine flu a covered illness?
It would be treated like any other illness or flu condition so that as long as the program was purchased prior to contracting the flu, you would be covered for cancellation and other benefits due to an Emergency Illness.

May I cancel my trip due to concern over the outbreak and still receive benefits?
No, travel insurance benefits provide coverage on a named peril basis. To see a listing of those specific perils, please see the brochure wording.

What happens if a Travel Warning is issued? Would I have coverage if I cancelled my trip?
No, a Travel Warning is not a qualifying event. A full “medical quarantine” must be issued by a government entity for cancellation benefits to apply.

For the above, please refer to plan terms and conditions for the product that you purchase.

Click HERE for Swine Flue or H1N1 Flue virus tips and general advice.

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Note: The policies via TFG Global Insurance Solutions Ltd. and its related web sites offer are not available to citizens currently residing in the USA. If you are currently in the USA, please go to: www.imglobal.com

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Note: Some of the products and services described or advertised on this site may not be available to residents of certain jurisdictions, depending on regulatory constraints, including Canada and the U.S. Please contact TFG Global Insurance Solutions Ltd. for more information about your specific jurisdiction. Some of the above coverage is NOT available to residents in British Columbia.

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