The Ultimate Guide to Travel Insurance While Pregnant

Planning a final getaway before your little one arrives is exciting. A babymoon is a fantastic idea! However, you must also plan for the unexpected. That is why finding the right travel insurance while pregnant is one of the most important steps. It provides a safety net, consequently allowing you to relax and enjoy your trip.

Why Do You Need Specialised Travel Insurance While Pregnant?

Standard travel insurance might not cover pregnancy-related issues. Pregnancy is often considered a pre-existing medical condition by insurers, so you need a policy that specifically includes it. Without proper cover, you could face huge medical bills if you experience complications abroad.

For instance, an unexpected early labor or another medical emergency could be incredibly expensive in another country. Therefore, dedicated insurance ensures you and your baby get the care you need without the financial stress. It is about protecting your health and your wallet.

What Does Pregnancy Travel Insurance Typically Cover?

Policies vary between providers, so you must always read the fine print. However, a good policy for traveling while pregnant should include several key areas. These are essential for your peace of mind.

Key Coverage Points

• Medical Emergencies: This covers unforeseen complications that arise from a normal pregnancy. For example, it could cover issues like pre-eclampsia or gestational diabetes.
• Emergency Childbirth: Coverage for the costs of giving birth prematurely while you are away.
• Newborn Care: If you give birth prematurely, the policy may cover the medical costs for your newborn baby for a certain period.
• Cancellation: You can cancel your trip if a doctor advises against travel due to pregnancy complications.
• Standard Travel Benefits: In addition, it should include regular benefits like lost luggage, flight delays, and theft.

It is important to note that most policies will not cover routine check-ups or a normal, expected childbirth. Insurance is for unexpected events, not planned ones.

Key Questions to Ask Before Buying Your Policy

To ensure you get the right coverage, you should ask your potential insurer some specific questions. Their answers will help you make an informed decision. Don’t be afraid to compare different providers.

• What is the cut-off week for travel? Most insurers cover up to 28-32 weeks, but this varies.
• Do I need to declare my pregnancy when I buy the policy? (The answer is almost always yes).
• Are medical expenses for the newborn covered if I give birth prematurely?
• What specific pregnancy complications are covered, and which are excluded?
• Is repatriation (getting you home) covered for pregnancy-related medical reasons?

Tips for Traveling Safely During Pregnancy

Besides getting the right insurance, a few simple steps can make your trip safer and more comfortable. Following this advice will help you have a worry-free vacation.

First, always get a ‘fit to fly’ letter from your doctor if you are in your third trimester. Airlines will often ask for this document. Moreover, choose your destination wisely. Consider the quality of local healthcare and avoid areas with high-risk diseases like Zika.

During your flight, stay hydrated by drinking plenty of water. Also, get up and walk around every hour to improve circulation. Finally, listen to your body. Don’t over-schedule your days. Rest is just as important as sightseeing. Consequently, you will enjoy your babymoon to the fullest.