Holiday Insurance in Pregnancy

Pregnant women fall in the category of “high risk”. This is because the chances of having complications are high while you are pregnant. Common problems that arise during this period include cancellation of a trip, medical treatment, and repatriation. Sometimes the cost of repatriation can be sky high. So, prior to

traveling, while you are expecting, it is important to get a fitness certificate from your doctor. This will increase your chances of getting holiday insurance in pregnancy at good terms and rates.

Safe period to travel in pregnancy

Medically, the second trimester is the safest time to travel. The first trimester is crucial and you are vulnerable to complications during first trimester. Again, the 3rd trimester is risky as chances of pre-matured delivery are high once 30th week is completed.

Not all airline companies will allow you to travel when you are in your advanced stages of pregnancy unless you get a certificate from your doctor that states your medical fitness.

If you have had pregnancy related complications earlier, an airline company will not allow you to travel after the 28th week. The holiday insurance companies apply more or less the same logic when they sell their holiday insurance product to clients.

Travel insurance in pregnancy –Limitations

You may come across many companies offering travel insurance in pregnancy that exclude coverage beyond the 28th week. Pregnancy related complications are also included in the exclusion list. An important aspect that you need to keep in mind is that if you are pregnant and you have managed to get holiday insurance in pregnancy, the policy does not kick in unless you return from your trip at least 8 weeks prior to the delivery date. The due date can be calculated at gestation period of 32 weeks roughly. Keeping this in mind, you can calculate or plan your holiday.

Getting coverage is difficult if you are in your advanced stages of pregnancy. But even if pregnancy is excluded in the travel insurance coverage, it is important to buy coverage for other travel related complications like loss of money, passport, and luggage. Buying holiday insurance will also protect you in the event of trip cancellation, flight cancellation and delay, and repatriation. Reading between the lines is of utmost importance prior to settling for a policy. This is important as there are several instances when policy holders had to lose a lot of money as they were unclear about the coverage and compensation they were entitled to. In order to overcome these hassles, you can try these tips while planning to buy holiday insurance in pregnancy.

Tips to buy travel insurance in pregnancy

The following tips will be handy if you are expecting and planning to travel in a couple of days.

Check with your doctor about the due date. Make sure you can return 8 weeks before delivery date

Few holiday destinations require malaria medications and other vaccinations. Check it out with your doctor.

Find out about the airlines and the restrictions imposed by them

Read your insurance contract carefully. Negligence can prevent you from making a claim in future.

Latest Updated on 30/12/2010