Does Travel Insurance Cover Pregnant Women?

Planning to travel in pregnancy? Do check with your insurance company if they have you covered or not.

Different travel insurance companies have different rules when it comes to providing cover to pregnant women. Always look out for the ‘present medical condition’ clause before you sign on any papers and have complete clarity on it.

A medical transport company will always suggest women in their third trimester of pregnancy to check before making any travel plans. Read on more to know about insurance covers if you are pregnant.

1. Present Medical Condition Clause

Most women get worried about this clause when planning a trip while pregnant. But let us inform you that beside 1% exceptional cases all would be moms can opt for a standard insurance plan for travel. In other words expecting mothers’ world over can now relax, and look forward to a break without worrying.

2. Pregnancy Is Not a Medical Condition

Pregnancy is not a medical condition, unless there is a history of any complications in an earlier pregnancy. Most travel insurances will cover a would-be-mother up to thirty two weeks of pregnancy. Travelling mothers should keep the details of a travel medical assistance handy in case they need any help.

3. Time Period of Cover

Medical expenses of the emergency kind are available up to 8 weeks before the due date. If a lady is expected to give birth within 8 weeks of starting a trip, then conditions need to be re-checked with the insurance company. Ladies travelling between 32 to 36 weeks need written permission from their doctor stating that they are fully fit to travel. Again, different airlines have different rules and it is best advised to check beforehand.

4. Exceptions

If a pregnant lady goes into labor prematurely, the cover will be off automatically. It is best to call a travel medical assistance company at that time in order to shift her to the closest medical facility.