There is no doubt that travel insurance makes your travel stress-free asit coversa lot ofemergencies and unexpected events that you can face during travel.
Parents from all across the world ask us that does travel insurance cover giving birth?
If you are a pregnant woman who’s about to travel OR you are a parent expecting childbirth during travel and want to know whether if travel insurance covers you or not – then this article is a must-read for you!
Can you get travel insurance while pregnant
Yes, you can get travel insurance while you are pregnant.
Getting travel insurance while being pregnant is completely normal and you will easily get one.
Many pregnant women from across the world get travel insurance to protect their travel and you should do that as well.
Why? Because it will help you deal with any unexpected pregnancy and childbirth complications during travel. Moreover, it will also cover any other unforeseen event like flight cancellation, stolen luggage or documents, etc.
Therefore, it is better to get travel insurance as it will make your travel free of stress and worries.
Does travel insurance cover pregnancy
Travel insurance only covers unexpected complications related to pregnancy and childbirth.
Generally, travel insurance does not cover ‘normal’ pregnancy and childbirth because it is considered as expected.
They will only cover the unforeseen complications related to pregnancy and childbirth. For example, gestational diabetes, pre-eclampsia, and hyperemesis, etc.
Some travel insurances also cover travel cancellations due to pregnancy and childbirth complications. In such a case, you will have to prove that your pregnancy complication was reasonable enough to cancel the travel.
The routine medical checkups, prenatal care, natural labor cost, normal pregnancy, and normal childbirth are mostly not covered in travel insurances because they are all considered normal and expected.
Does travel insurance cover unexpected pregnancy
Generally, not every travel insurance covers unexpected pregnancy – However, some do!
Thus, it is extremely important to carefully read the coverage definitions of your travel insurance plant before selecting it.
If your travel insurance plan covers unexpected pregnancy then you will have to prove that you got pregnant after the effective date of your travel insurance plan.
For this purpose, you will probably need your pregnancy report and some other medical documents signed by your physician. It will help you prove that you got pregnant after the effective date of the travel insurance plan and allow you to claim your insurance.
Do I need to let my travel insurance know that I’m pregnant
No, generally you won’t need to let your travel insurance know that you are pregnant.
The reason is that almost all travel insurances do not consider pregnancy as some sort of medical condition. They consider it as “normal” and that’s why you don’t need to let your travel insurance know about it.
If we analyze this case, then the travel insurance companies are right because pregnancy is truly normal and natural. Billions of women across the world get pregnant and give birth to children.
Due to the same reason, your travel insurance plan doesn’t cost you any extra money if you are pregnant because pregnancy is considered normal.
However, if you are concerned about it or have some pre-existing medical conditions and pregnancy-related complications then you should surely let your travel insurer know about it.
Sometimes, it also depends upon the terms and conditions of different travel insurances. Some of them require you to let them know that you are pregnant whereas some of them do not require anything at all.
What is the best travel insurance to have while pregnant
Different types of travel insurance offer different kinds of benefits to their subscribers.
While you can’t name any specific one, there are some qualities that good travel insurance musthave for a pregnant woman.
The best travel insurance for pregnant women must:
1. Cover complications due to pregnancy and childbirth
While travel insurance does not cover normal pregnancy and childbirth, it MUST cover complications related to pregnancy and childbirth.
Bad times can come anywhere & anytime. Even if everything seems normal, you can develop pregnancy and childbirth complications at any time.
Therefore, you must have it covered in your plan.
2. Cover trip cancellation
Suppose you have planned a travel trip but just a day before leaving, you are diagnosed with some pregnancy-related complications and the doctor advises you not to travel.
Your travel insurance should cover the losses due to trip cancellation.
3. Cover medical treatment
If you’re traveling as a pregnant woman, you need to be extremely careful about your health throughout the journey.
Since your health is very sensitive, travel insurance must cover your medical treatment in case you suffer from any unexpected complication.
It should include all the necessary treatment for your care and also evacuating you back home if there is a need.
Travel insurance for 30 weeks pregnant
Travel insurance for 30 weeks pregnant is the one that will cover you for any unforeseen pregnancy-related complication during travel – till you reach the 30th week of your pregnancy.
They will cover:
- Travel cancellation due to pregnancy-related complications
- Emergency medical expenses due to pregnancy complications or other injuries and illness.
- Unexpected events like flight cancellation, stolen documents, and luggage, etc.
Travel insurance for up to 36 weeks pregnant
Travel insurance for women up to 36 weeks pregnant is the one that will cover you till the beginning of the 36th week of your pregnancy.
It will cover emergency medical expenditures and other unexpected events during travel.
However, it will not cover your routine medical checkup, cost of natural labor, and childbirthbecause all of them are considered ‘expected’ and ‘normal’.
Can I claim travel insurance if pregnant
Travel insurance covers pregnancy and childbirth complications, emergency medical expenditures (injury & illness), and unforeseen incidents during travel (like flight cancellation, documents or luggage stolen).
Just being pregnant alone may not be enough for claiming travel insurance.
Because according to coverage definitions of travel insurance – being pregnant and giving birth to a child is considered completely normal. You cannot claim any losses or expenses due to normal/healthy pregnancy and childbirth.
You can only claim travel insurance if you are facing any of the following issues during travel:
- Pregnancy & childbirth complications.
- Emergency medical conditions like injury or illness.
- Travel cancellation due to pregnancy complications.
- Unexpected incidents like luggage stolen, documents lost, or flight cancellation.
It is extremely important and necessary to read the coverage definitions of your travel insurance plan to properly understand what you can claim and what you cannot claim.
Does travel insurance cover if you fall pregnant
Travel insurance only covers pregnancy or childbirth complications, emergency medical conditions (injury and illness), or unforeseen incidents.
Healthy pregnancy or childbirth is completely normal and expected so they are not covered in travel insurance.
Any kind of losses or expenses due to a normal and healthy pregnancy or childbirth are not covered in the travel insurance claims.
Does travel insurance cover normal childbirth
No, travel insurance does not cover normal childbirth.
If the childbirth is completely normal and healthy – then the travel insurance doesn’t cover any kind of losses and expenses due to normal pregnancy and childbirth.
Does travel insurance cover the cost of natural labor
No, travel insurance doesn’t cover the cost of natural labor during pregnancy.
Since natural laboring is completely normal, natural, and expected so travel insurance doesn’t cover any expenses or losses due to natural labor.
Will travel insurance cover childbirth abroad
If childbirth is completely normal and healthy then it won’t be covered by travel insurance.
Travel insurance only covers complications related to pregnancy and childbirth, emergency medical care, and unforeseen events during travel.
Do you need special travel insurance when pregnant
No, you do not need special travel insurance when you are pregnant.
Because being pregnant is not considered a medical condition in travel insurance. It is considered completely normal so you won’t have to pay any extra money for travel insurance if you are pregnant.
These were the answers to all your queries regarding travel insurance, childbirth, and pregnancy.
Always make sure to properly read the coverage definitions and terms and conditions of your travel insurance plan.
It will help you better understand that what is covered and what is not covered. Plus, it will also prevent any inconvenience later. We hope that you learned new things today and have more knowledge on the topic than before.