Travel insurance can protect you from financial headaches while you’re away. If you have to cancel your trip at the last minute, fall ill while on vacation, or face other peril – you’ll be grateful that you bought travel insurance. If you’re going on a trip while you are pregnant, however, you probably won’t be covered for the entirety of your pregnancy. Travel insurance will cover the early part of your pregnancy, but because early labor and the related complications are more apt to occur in the final trimester, your insurance won’t cover you near your due date. Consider the following if you’ll be traveling while you’re expecting and want to get insurance.
Travel insurance covers a specific number of weeks into a pregnancy, assuming it covers pregnant women at all. For instance, you may be covered through week 28 of your pregnancy but dropped from coverage after that point. Find out how many weeks into a pregnancy each insurance policy you’re considering will cover, and carefully calculate how many weeks into your pregnancy you will be on your trip. Choose an insurance policy that will cover you for your entire trip – not just the beginning. For instance, if you become 29 weeks pregnant while on the trip, your insurance will drop you before you get home.
Pregnancy is often not considered a justified reason for cancelling a trip under travel insurance claim policies. As a result, be sure to purchase travel insurance that has a “cancel for any reason” clause, and verify that you can cancel due to pregnancy related issues. This might include finding out that your due date is sooner than you thought, or having a health related problem related to the pregnancy. If you don’t have a lenient cancellation policy, your travel insurance won’t cover the costs related to your trip cancellation and you’ll wind up paying for the entire trip even though you had insurance.
When you’re choosing travel insurance, it’s also important to find out if you will have to submit official documentation from a doctor regarding your due date. Inquire about how many forms need to be submitted, and how far in advance of your trip you need to send them in to the company. Don’t choose a policy that needs you to submit your doctor’s note within a time frame that is not realistic for you. If you don’t submit proof of your due date, your coverage may not be in effect while you’re on your trip.
Guest post by Kalen Smith for Covermore.com.au. Please visit the website for more information about travel insurance.