Pregnancy Travel Insurance – What You Need to Know



bellypic2My husband and I are planning a trip during the second half of my pregnancy. We are expecting our first child, so this is new to both of us. We’re pretty well used to being able to travel at our own convenience, making arrangements only for the care of our dog with family members. Now we have many other things to consider since I’m six months gone and we would never want to risk anything happening to negatively affect the pregnancy or most importantly, our little one. That’s why we decided pregnancy travel insurance is non-optional for our upcoming trip.

When I first started looking into travel insurance for pregnancy, I really had no idea what I was looking for or what questions to ask. I had never even purchased regular travel insurance before, let alone travel insurance specifically for our unborn child. Thankfully, I managed to learn pretty quickly about the different types of travel insurance that would be beneficial to an expecting couple. I’ll share those tips and key points with you in the hopes of saving you some time and trouble when you plan your own babymoon!

1.    Don’t delay in exploring your travel insurance options when pregnant. Most travel insurance companies require a very swift turnaround from when your initial trip deposit is placed to when you order your travel insurance. Most travel insurance companies require that you sign up for their plans within 10 to 14 days of making your initial trip deposit. Be sure to check with the companies of your choice to determine their exact policies so you don’t miss out on something.

2.    Decide what kind of pregnancy travel insurance you need – health insurance, trip cancellation or interruption, etc. The trip cancellation insurance can be good in case your doctor deems you unfit for flying or restricts you to bed rest or similar shortly before your trip. The trip interruption can be valuable if you have to suddenly rush home. Of course, the health insurance portion can be vital if any complications arise while you are away. There are often many other perks available in these different travel insurance plans.

3.    Understand that most travel insurance plans will not cover “normal pregnancy.” In most cases, your insurance would only kick in if you faced some kind of pregnancy complications or an unrelated condition. To insurance companies, pregnancy is typically considered a pre-existing condition.

4.    Ask about deductibles. Many plans make it easy to sign up, based on their low rates compared to what you might expect. Don’t forget to find out what you would be paying, should you need to cash in on any of the benefits.

5.    Understand what your options are, should you need to evacuate and return to your doctor. Many plans build in offerings for emergency medical evacuation, sometimes valued at up to or over $500,000.The hope is that you won’t need this service, but it is nice to know it is there if you do.

6.    Realize that not all travel insurances are created equal. While most won’t cover normal pregnancy, many seem to cover complications. However, not all travel insurance companies define complications the same way. Perhaps most importantly of all, not all travel insurance companies consider premature labor or the premature birth of your child as a complication. It is vital that you know exactly what your plan covers before purchasing.

I was able to gain additional information when I called around, and one customer service agent was even able to speak with a claims agent to check on some of my questions. Be sure to do your homework to ensure you are as protected as possible when you go away.

Have you ever gotten travel insurance during a pregnancy? If so, how did it go? Please share and questions or feedback in our comments below.

 

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