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Many a pregnant woman would love
to take a break before the birth of the baby. They would love to relax and
treat themselves to a holiday. Quit a few women may be traveling for business
reasons too. The most common concern amongst traveling pregnant women is
financial backup for emergency maternity care. Travel insurance is the best
option for pregnant women who are on the move. Travel insurance gives you the
financial backup in case you should deliver while in a foreign country.
Travel insurance for pregnant
women covers the risks involved while traveling. Travel during pregnancy
involves much more risk when compared to normal travel. Most of the insurance
companies offer insurance cover until the 28th week of pregnancy. After the 28th
week, there are very few insurance companies that provide insurance coverage
for travel. Many women travel while they are in the 34th week of
their pregnancy but not many insurance companies offer travel insurance for
such women. In general the premium payable for travel insurance for pregnant women is higher when compared to
other insurance policies.
Insurance coverage for travel
while women are pregnant is categorized as high risk cover by travel insurance
companies. They categorize pregnant women as high risk as they might develop a
complication that might need medical intervention, repatriation or cancellation
of the travel plan itself. In general travel insurance policies for pregnant
women insist that the woman should return at least 8 weeks before her due date,
else she will not be offered insurance cover for her travel.
Travel insurance facts
When you settle for travel insurance for pregnant women, check out the following:
Many companies offering travel insurance do not cover
pregnancy under general medical condition. Hence check with your travel
insurance provider on what needs to be done. Most of the companies provide
travel insurance for pregnancy as a top up to the existing travel
Immaterial of the transportation mode, it is safer to
have travel insurance.
Check with the airline if they will accommodate you. Few
airlines might insist on a letter of fitness from your health physician.
Many an airline refuses to fly pregnant women with problems such a venous
blood clots in the legs or earlier instances of premature birth.
Check if the travel insurance provides cover for your
new born, in case you deliver abroad.
Limitations of travel insurance for pregnant women
Many insurance companies do not provide cover for
Insurance companies do not provide cover if the
conception is not natural and has happened with the help of medical
assistance. E.g. IVF, fertility drugs, etc.
No insurance cover if the pregnancy has any known
No insurance cover if the woman has already had a
problematic conception, pregnancy or delivery.
Insurance cover for travel is not provided if the
woman has already completed 8 months of pregnancy.
Travel insurance policies do not cover full-term