Pregnancy Travel insurance
Expectant mothers are often presented with a unique set of considerations when it comes to purchasing travel insurance while pregnant.
You may be wanting answers to such questions as:
- How many weeks pregnant do I have to be before an insurer will refuse cover?
- Can I get travel insurance after 32 weeks of pregnancy?
- Do I need to declare pregnancy as a pre-existing medical condition?
All these are necessary questions, and yet finding a straight answer can be tricky, owing to the differing standards and policies among insurers.
In this article, we'll provide the answers you've been looking for when it comes to getting comprehensive pregnancy travel insurance, together with how our insurance can benefit you.
Is pregnancy a medical condition for travel insurance?
This will depend largely upon the insurer. Most insurers will provide cover for expectant mothers as a standard part of the policy, and will not class pregnancy as a pre-existing medical condition.
That being said, you should never take it for-granted that an insurer will provide pregnancy cover as standard. The situation can vary greatly from insurer to insurer, some classing pregnancy as a pre-existing medical condition, requiring additional premiums and placing certain restrictions on cover. For this reason, it's always important to check that a policy covers pregnancy, as well as the level of cover you can expect, before taking out the policy.
How to declare pregnancy on travel insurance
Usually, you will be required to provide a few details regarding your pregnancy, before you can receive valid cover.
These are likely to be:
- How many weeks you are into the pregnancy at the proposed policy start date
- How many weeks you will be into the pregnancy at the policy end date
- Written proof from your doctor, stating how many weeks you are. This will need to be provided, should the need to make a claim arise.
Travel insurance for pregnancy after 32 weeks
This question is one that naturally arises, given the fact that many insurers will refuse cover when the pregnancy has reached a certain stage. Unfortunately, if you have been pregnant for 32 weeks or more, you may find it a challenge to get travel insurance for your trip. This is because travel insurance is intended only to cover the 'unexpected', and beyond 32 weeks, the likelihood of premature birth is significantly increased.
Most insurers will provide pregnancy travel insurance up until the 28th week of pregnancy, and will require you to return at least 8 weeks before the due date.
In some cases, women who are over 29 weeks into their pregnancy can still purchase travel insurance, but they simply won't be able to make any claims relating to normal pregnancy or normal childbirth. Medical expenses arising from complications in childbirth or pregnancy are usually still covered as part of the policy.
So that means:
If a women goes into natural labour between 29 and 40 weeks whilst on holiday, she wouldn't be covered.
If a woman went into premature labour as a result of a complication, such as a fall, then cover would apply.
Travel insurance pregnancy cancellation
When can you use cancellation cover as part of your pregnancy travel insurance policy?
- If your doctor confirms that you're not medically fit to travel, and you've already purchased your policy, then cancellation cover can be used here.
When can does cancellation cover not apply?
- If you simply don't want to travel or aren't enjoying your trip, then you can't use cancellation cover.
- If you're cancellation is caused by your carrier's refusal to allow you to travel, then your cancellation cover won't apply here either.
Travel insurance and pregnancy, do's and dont's
- If you're travelling by plane, be sure to check what the carrier specifies as the accepted travel time frame for pregnant women. The standard will vary depending on the airline, but it's always best to check well in advance of booking, as you could end up being refused to board the aircraft. If this happens, your insurance will also be rendered invalid.
- Visit your doctor beforehand and notify them of your travel plans. They'll be able to advise how best to travel in your condition, and also whether it's wise to travel at all. If your doctor has advised against travelling, then it's in your best interests to heed the advice, as again, you could find your pregnancy travel insurance rendered invalid if you decide to ignore medical advice.
- It's understandable that when you're expecting a child, you'll be wanting to save money wherever you can. Getting a cheap travel insurance policy however is not the wisest or most cost effective way of saving money. Very often, these cheap pregnancy travel insurance policies will offer significantly lower levels of cover requiring higher excess payments to when making a claim.
Find the right travel insurance for your pregnancy!
At Holiday Extras, we provide reliable and fully comprehensive cover for up to 32 weeks into your pregnancy. We offer cover for any illness or injuries under a regular policy so there is no need to find additional medical cover, just our great choice of holiday insurance policies to choose from.
Great news! Your pregnancy does not count as a medical condition. So there is no need to declare it upon booking your travel insurance policy unless you have an existing condition that may directly affect the pregnancy or you know of any existing complications.
What am I covered for?
Holiday Extras provide the best travel insurance policies for pregnant women. We have two flexible policies to suit your needs and four levels of cover.
Choosing between our policies depends on how you like travel. If you are only travelling once this year or prefer to change your level of cover every trip, then be sure to purchase a single trip travel insurance policy. Or as a regular traveller, you might embark on more than two trips this year in which case, our annual-multi trip policy saves time and money to spend on your trip abroad.
All four levels of cover available have varied amounts of financial protection to suit your needs including:
- £2.5 - £10 million towards medical cover
- £300 - £1,200 hospital benefit cover
- £7,500 - £30,000 personal accident cover
- 24/7 emergency assistance
Health & travel advice from Dr. Laurence Gerlis
I am four months pregnant and planning to go to the USA next month. Are there any risks that I should be aware of whilst travelling when pregnant?
This is generally a good stage of pregnancy to travel and up to 32 weeks is normally ok for most airlines. Please make sure you have travel insurance which covers the USA in case things go wrong and make sure that you inform the insurers you are pregnant so that you have the correct cover.
- Always consult your doctor before you travel.
- Check the health regulations for pregnant travellers of your chosen airline.
- Return 8 weeks prior to your due date no matter how long you plan to travel for.
Before you book, be sure to read up on all of our levels of cover. To do so, visit our travel insurance page.
How do I book?
Complete the quick and easy form to the left of this page and compare our travel insurance policies. You'll be able to choose an appropriate level of cover for travelling whilst pregnant and ensure peace of mind.
You can also book via our friendly UK call centre team, it's free and they'll provide answers to any queries you can't find on our website. Visit the next page of our pregnancy travel
Do you have a pre-existing medical condition?
If you have a medical condition and looking to find an affordable policy then be sure to have a read of our pre-existing conditions pages:
Can my newborn be added to my annual multi-trip travel insurance policy?
A good way to celebrate might be your first family holiday! We know travelling with a baby can be stressful, so we've helped where we can. Through one simple phone call to our free and friendly UK call centre team, you can add your newborn to your existing annual travel insurance policy and they'll receive full cover under your policy.
- Single trip: you are fully covered for one trip of no longer than 365 days.
- Annual multi-trip: for one single payment, you will have financial protection for an unlimited amount trips, each up to 23 days across 12 months.
Visit our annual multi-trip travel insurance page for more information.
Is pregnancy a medical condition for travel insurance?
A common assumption is that your pregnancy is classed as a medical condition. There is no definite answer to this query however, work on the basis that if you have no existing medical conditions related to to your pregnancy or known complications then you are entitled to fully comprehensive cover under a standard travel insurance policy.
If you do have a medical condition then please visit our pre-existing conditions page for more information.