Any kind of foreign travel requires some kind of travel insurance, but those travelling while pregnant need to be sure that they have as much travel health insurance in place as possible. Here we take a look at some travel insurance tips for expectant ladies.
Your due date is a determining factor when it comes to the price of your travel insurance. Statistically your safest period for travel is during your tenth to twentieth week of pregnancy, as the risk of complications is at a minimum.
Although medically your first trimester is actually the time when you are at most risk of complications, insurers view the third trimester as the biggest risk, and hence booking a holiday during your third trimester will cost you more in insurance terms.
For this reason you may find it difficult to find an insurer willing to offer you cover beyond the twenty-eighth week of pregnancy. However, most airlines will allow you to travel up and until the thirty-sixth week, providing you have a letter from your GP stipulating that you are fit enough to travel.
Besides timing your holiday so that you travel during your 2nd trimester, there are other things that you can do control the cost of your travel insurance. If you have any existing insurance products, particularly private medical insurance, or even a credit card, read through your policy details carefully. It could be that you are already partially, or fully, covered for overseas travel.
Shopping around for insurance is really the only way to find the best deal. The more insurers you obtain quotes from, the more informed a choice you can make about policies. The internet is a great tool for comparing many insurers at once, so make use of the many handy price comparison websites.
If you do need to travel during the latter stage of your pregnancy, then you may find it very difficult, or very expensive, to obtain insurance from mainstream providers. However, specialist insurers are available and it is worth obtaining a quote from them. It may not be the cheapest cover on the market, but it could be your only option.
Most travel insurance policies have exclusions relating to pregnancy, and so it is always vital that you read the small print. You are most likely to find a cause that deems the insurance invalid if you do not return home at least eight weeks before your due date.
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