Pregnancy Travel Insurance Policies

Travel insurance can be a tricky business at the best of times, so when you also have a future son or daughter to consider it becomes more important than ever. There’s no reason that being pregnant should stop you going abroad and enjoying a holiday, but it is important to ensure that you understand the limitations of travel insurance cover during pregnancy.

Depending on how far into your pregnancy you are will no doubt affect where you travel and what kind of holiday you take. No doubt you will be prepared to travel further and into more extreme climates the earlier in your pregnancy you are, depending on how adventurous you want to be. It can be a stressful time with a lot of things to plan (never mind names to decide on!) so you will deserve a break at some point. Don’t be afraid to take a holiday, but it is important to fully understand insurance conditions relating to pregnancy, especially during the later stages.

Travel insurance never covers medical costs relating to any kind of checks or treatment etc, including childbirth, where these could be expected. However, if the costs are incurred due to unexpected medical complications, illness or accidents these may be covered. In previous years, pregnancy holiday insurance policies stipulated a maximum number of weeks that pregnancy-related claims could be covered. It was always clear then, that after 26 weeks or 30 weeks (the term varied between different policies), there could be NO cover for claims of any kind arising from pregnancy. Under new directives, we are discouraged from stipulating a maximum number of weeks. This now means that claims arising from complications with a pregnancy can possibly be covered up until a later stage in the pregnancy, though in reality, things have become less clear on occasion. For instance we cannot give a guarantee that childbirth costs arising from premature birth will be covered, if it is unclear why the baby came early. In the absence of a diagnosis of illness or specific unexpected complication, we cannot confirm with certainty that these costs will be met in the later stages of pregnancy. This situation is not ideal but it is an important consideration if you are planning a trip overseas in the later stages of your pregnancy. It goes without saying that you should never embark on any trip or participate in any activity on your holiday against your doctor’s advice, as this would affect cover.

At Navigator we recognise that pregnant women will still want to go on their holidays and soak up some sun, sea and sand, and we want to make sure you go away with suitable holiday insurance for pregnancy. We have 3 policy types for you to choose from depending on the type of holiday you plan on taking and how adventurous you want to be:

• Annual Multi Trip Policy
• Long Stay Single Trip Policy
• Short Stay Single Trip Policy

Hopefully you will be able to find the information you need here on the website, but if you do have questions about what the best travel insurance including pregnancy cover is for you then don’t hesitate to call us on 0161 973 6435 or, alternatively, if you’ve read everything you need to then why not get a quote online right now!