Pregnant women and travel insurance
Traveling gets complicated by the time they are 27 weeks pregnant with many travel insurers reluctant to give cover. But pregnancy travel insurance is well worth getting if you weigh it up against the costs you might incur if you have to cancel your trip because of your pregnancy or need visit a foreign hospital for medical treatment during your holiday.
As pregnant women are considered relatively high risk, most insurers will offer cover providing you return from your trip at least eight weeks before your due date. However, some insurers have an even lower threshold and will not insure for pregnancy related incidents beyond 26 or 27 weeks. Some insurance companies will cover you to travel at all stages of pregnancy so long as there have been no complications with the current or any previous pregnancy and you are allowed to board your flight. If you are used to traveling frequently and already have an annual travel insurance policy, you should check the terms of the policy and call your insurer to advise them of your change in circumstances.
Most airlines are happy to carry pregnant women up to 26 or 27 weeks of pregnancy. After that, when the risk of going into labour increases, they may require a letter from your doctor stating you are fit to travel and confirming your due date. But each airline has its own set of rules and a cut off point, so it’s important to tell your booking agent that you are pregnant and how far along you are. And remember that you will need to make sure your trip ends within the permitted timescales. If you are booking with an agent they will be able to make sure your chosen airline will allow you to fly. If you are booking online, check the airline’s website, as most mention pregnancy.
Travel insurance policies generally exclude all claims under the policy if you are denied boarding for any reason including pregnancy and most other pre-existing medical conditions.
Martin Clinton from cheapflights.com outlines excellent information on Air travel and pregnancy, so check out his post on tips and travel policies by various airlines for pregnant women.