It’s common for women to make travel plans after they become pregnant. Usually the gestation period is the last chance someone will get to travel before the baby is born, as it can be too difficult to travel with a new-born child.
It goes without saying, if you plan on travelling while you’re pregnant, travel insurance is an absolute necessity. Luckily for the pregnant traveller, there are a number of online travel insurance policies available for their trip.
We urge those travelling pregnant not to involve themselves too much in strenuous activities.
While it’s not mandatory to have travel insurance while you travel, it is urged that someone who is pregnant take out a travel insurance policy online. The normal risks associated with travelling are obviously increased if you plan on travelling overseas while pregnant.
Travel insurance is generally not provided after the 26th week of pregnancy. So, if you are planning on travelling while you are pregnant, make sure it’s before your 26th week if you want to be provided with travel insurance.
Most insurance firms categorise travel during pregnancy as a high-risk cover. The reason behind high risk cataloguing is that a pregnant woman could suffer from infections or develop some other complication which is likely to need medical attention. It’s also necessary to have some form of medical evacuation under the travel insurance policy you choose.
Have a glance and keep some of these things in mind when you choose a travel insurance policy.
• Many insurance companies, which provide travel cover don’t cover pregnancy as a general medical condition. You might have to check with your insurance firm and find out what needs to be done. Several companies offer travel insurance during pregnancy in addition to the existing policy. This would fall under a pre-existing condition, never assume your medical conditions are covered, as a rule, when shopping online for travel insurance.
• If you’re flying, ensure you inform the airline at the time of booking. Few airlines request for a fitness certificate from the doctor, while others might not issue tickets to women with medical conditions like venous blood clots.
• Ensure that the travel insurance covers the new-born, during the event of a delivery on board.
When you consider travel insurance and pregnancy, there are certain restrictions.
• Some travel insurance companies avoid offering cover for multiple pregnancies.
• Most policies won’t cover any complication during travel, if the woman has conceived with the help of fertility drugs or In Vitro Fertilisation (IVF).
• If the woman has had medical issues during pregnancy, then it might not be possible to get cover.
• If the woman has a history of difficulties during conception, pregnancy or delivery, insurance cover may not be approved.
It is possible to receive travel insurance while you are pregnant for your next family holiday
, just always ensure you give yourself plenty of time to organize your policy, and preferably speak to someone over the phone.