Holidays Whilst Pregnant – Questions Answered
Travel insurance is a good idea for any holiday. It’s even more important if you or a family member take your trip whilst pregnant. No matter why you’re traveling, insuring your trip can give you the security and peace of mind you need when expecting a child. As with any type of policy, be sure to examine your options carefully when running a travel insurance comparison.
Traveling whilst pregnant is difficult enough without anguishing over how to insure your trip. Here are the answers to some of the most common questions pregnant women and their families have about how to pick the best policy.
Can I insure my unborn baby?
No, unfortunately not. Policies vary, but most require that a baby be at least 14 days old before they will insure them.
Does a Trip Cancellation Policy apply to pregnancy?
If you are pregnant at the time you purchase your policy, it will probably not cover a cancellation due to the pregnancy. Most policies exclude pregnancy as a reason for cancellation. Some policies will cover a cancellation because of pregnancy IF you become pregnant after purchasing it. Make sure to read the fine print when comparing travel insurance quotes.
Can I get travel insurance medical cover while pregnant?
The medical cover on your travel insurance policy will not apply to anything relating to your pregnancy. This exclusion applies to normal childbirth. Your medical cover will of course apply to any illness or injury that is not related to your normal pregnancy.
What about Complications of Pregnancy? Are these covered?
Yes they are. All policy language will be different, so please check. But here is what we see with the popular iTI SE plan.
GENERAL EXCLUSIONS AND LIMITATIONS
Benefits are not payable for any loss due to, arising or resulting from:
… normal childbirth or pregnancy (except Complications of Pregnancy) or voluntarily induced abortion.
So, this is what we know already – normal childbirth or pregnancy are not covered.
Complications of Pregnancy ARE covered:
“Complications of Pregnancy” means conditions (when the pregnancy is not terminated) whose diagnoses are distinct from pregnancy but are adversely affected by pregnancy or are caused by pregnancy.
These conditions include acute nephritis, nephrosis, cardiac decompensation, missed abortion and similar medical and surgical conditions of comparable severity.
Complications of Pregnancy also include non-elective cesarean section, ectopic pregnancy which is terminated and spontaneous termination of pregnancy, which occurs during a period of gestation in which a viable birth is not possible.
Complications of Pregnancy does not include false labor, occasional spotting, Physician-prescribed rest during the period of pregnancy, morning sickness, hyperemesis gravidarum, preeclampsia and similar conditions associated with the management of a difficult pregnancy not constituting a nosologically distinct complication of pregnancy.
As always, please liaise with your Travel Insurance Carrier in the event that you think you will need medical support.
This is yet another reason why we prefer Primary Cover over Secondary – you get the Insurance Carrier liaising with the hospital, and making direct payments.
What if I have to cancel my trip because the airline will not let me board while pregnant?
Each airline has different restrictions that apply to flying whilst pregnant. Most of these restrictions are related to how late you are in your term. Make sure to read your airline’s pregnancy requirements carefully when planning your trip. Your trip cancellation policy will not cover your losses if the airline will not allow you to board.
Does my pregnancy count as a preexisting medical condition?
With most travel insurance policies, you do not need to declare your pregnancy as a preexisting medical condition. However, if you have a condition that may lead to complications to your pregnancy, you will need to declare this as preexisting. As always, be sure to review your options very carefully before purchasing travel insurance and ask questions if you’re confused.
This all sounds very complicated. Should I risk traveling without insurance while pregnant?
Pregnancy is a wonderful time for women and their families, but there can be high levels of cost and worry associated with it as well. This is especially true when traveling overseas. If you take ill whilst pregnant and do not have adequate cover, the financial and emotional burden can be devastating.
There are plenty of great travel insurance options for pregnant women. Finding the one that fits your needs will require a bit of research and careful planning, but the risks of traveling without insurance during your pregnancy are simply too enormous to consider it. You deserve the security and peace of mind good travel insurance provides.
Got an upcoming trip? Compare travel insurance at AardvarkCompare.com with our free quote tool.