Travel Insurance During Pregnancy

Shawn Plummer

CEO, The Annuity Expert

Traveling while pregnant can be a great experience, but ensuring that you are covered in an emergency is essential. Therefore, pregnant women need specialized travel insurance, and there are a few things you should look for when choosing a policy. This guide will discuss the best travel insurance for pregnant women and what to look for when purchasing a policy.

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Is there any travel insurance that covers pregnancy?

Pregnancy is an exciting time, but it can also be stressful. There are many things to think about, and one of the last things you want to worry about is whether or not your travel insurance will cover you. The good news is that several insurance companies offer policies that cover pregnancy.

Some of these policies will cover you for the entire length of your pregnancy, while others will only cover you for the first trimester. In addition, some policies will only cover you if you have a specific reason for traveling, such as seeing a doctor or giving birth in another country.

No matter your needs, there is likely to be a policy that covers you. So, if you’re pregnant and planning to travel, be sure to do your research and find the perfect policy for you and your family.

Is There Any Travel Insurance That Covers Pregnancy?

Why You Need Travel Insurance with Pregnancy Coverage

When you’re pregnant, there are additional risks associated with traveling. For example, you may face medical emergencies, flight cancellations, lost baggage, and other unforeseen circumstances. Travel insurance with pregnancy coverage ensures you have protection and assistance in any unexpected events.

Medical Coverage

Travel insurance with pregnancy coverage provides medical coverage for any pregnancy-related emergencies that may arise during your travels. This includes medical expenses for doctor visits, hospitalization, and delivery. Additionally, it can cover the cost of emergency medical evacuation to a hospital that can provide proper care for you and your baby.

Cancellation Coverage

Pregnancy can be unpredictable, and there may be times when you need to cancel your travel plans. Travel insurance with pregnancy coverage can provide reimbursement for non-refundable expenses like airline tickets, hotel reservations, and tour packages.

Baggage Loss or Delay Coverage

Losing your baggage or experiencing a delay can be a frustrating and stressful experience, especially when you’re pregnant. However, travel insurance with pregnancy coverage can reimburse you for replacing essential items like clothes, toiletries, and medication if your baggage is lost or delayed.

Which travel is best during pregnancy?

Getting away on a much-needed vacation can be very appealing when you’re expecting. But is it safe to travel during pregnancy? The answer depends on several factors, including your stage of pregnancy and the mode of travel.

Traveling by car or train is considered the safest option for pregnant women. You can easily make frequent stops to stretch your legs and take bathroom breaks. If you’re flying, choose a direct flight whenever possible to minimize your time in the air. And be sure to drink plenty of fluids to stay hydrated. Remember that pregnant women are advised to avoid travel to certain areas, such as those with active Zika virus outbreaks.

So before booking your trip, consult your healthcare provider about any risks. Then, with some planning, you can enjoy a safe and stress-free vacation while you’re expecting.

What Does Travel Insurance Cover During Pregnancy?

What to Look for in Travel Insurance with Pregnancy Coverage

Not all travel insurance policies offer pregnancy coverage, and the ones may have varying terms and conditions. Here are some factors to consider when choosing travel insurance with pregnancy coverage:

Pre-existing Conditions

If you have any pre-existing medical conditions, you must ensure they’re covered under the travel insurance policy. Many policies have exclusions for pre-existing conditions, so reading the fine print carefully is essential.

Coverage Limits

You know the coverage limits for medical expenses, evacuation, and other benefits the policy offers. Ensure that the coverage is adequate for your needs, and consider increasing the coverage if necessary.

Travel Restrictions

Some travel insurance policies may restrict the destinations you can travel to or the duration of your trip. Ensure that the policy covers all the destinations you plan to visit and the entire duration of your trip.

Travel Insurance When Pregnant

How to Purchase Travel Insurance with Pregnancy Coverage

When purchasing travel insurance with pregnancy coverage, shopping around and comparing different policies is essential. Here are some tips on how to purchase travel insurance with pregnancy coverage:

Research Online

Many insurance providers offer travel insurance policies online. Research different providers and compare their policies, benefits, and pricing.

Consult with a Travel Agent

Travel agents can provide expert advice and help you find the best travel insurance policy. They may also have access to exclusive policies and deals.

Check with Your Health Insurance Provider

Some health insurance providers may offer travel insurance policies with pregnancy coverage as an add-on or as part of their coverage. Check with your health insurance provider to see if they offer such policies.

Next Steps

Traveling while pregnant can be an exciting experience, but it’s essential to have adequate insurance coverage to protect you and your baby. Travel insurance with pregnancy coverage provides financial protection in case of medical emergencies, cancellations, and baggage loss or delays. Be sure to carefully research different policies and consult a travel agent or health insurance provider to find the best policy. You can enjoy a safe and stress-free trip with the right travel insurance policy!

Travel Insurance Pregnancy

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Frequently Asked Questions

Can I get travel insurance if pregnant?

Don’t worry, as pregnancy is not considered a pre-existing medical condition. Many annual multi-trip policies will cover your travels while pregnant. Yet, it’s best to double-check with your insurance provider that the policy offers all the coverage necessary for you and your little one!

Can I travel while three months pregnant?

In the first trimester, there is an elevated risk of miscarriage; thus, it may be best to wait until 4-6 months into your pregnancy. During this time, traveling won’t likely cause as much exhaustion or discomfort as those later in their third trimester. So why not take advantage of this window for some well-deserved rest?

Can you fly if you are a high-risk pregnancy?

If you have a high-risk pregnancy, seeking medical advice before flying is essential. First, to be safe and informed, it would be best to talk with your physician about any plans for long-distance travel. Then, once the doctor considers it acceptable, make sure that you check the airline policies on pregnant women before setting off on your journey.

Do you need different travel insurance when pregnant?

The answer is yes! While pregnancy isn’t classified as a medical condition, it’s still important to inform your insurer about any pre-existing medical conditions unrelated to it. This way, the mommy-to-be and her little one can be protected no matter their journey.

How many weeks pregnant should you stop Travelling?

Generally, it is recommended that pregnant women no longer engage in domestic air travel after 36 weeks and international flights from 28 to 35 weeks into their pregnancy. Ultimately though, the choice of when and how far to go during your pregnancy journey should be made by you with your healthcare provider or midwife.

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*Disclosure: Some of the links in this guide may be affiliate links. I may receive a commission at no cost to you if you purchase a policy. It helps us keep the lights on!

Shawn Plummer

CEO, The Annuity Expert

I’m a licensed financial professional focusing on annuities and insurance for more than a decade. My former role was training financial advisors, including for a Fortune Global 500 insurance company. I’ve been featured in Time Magazine, Yahoo! Finance, MSN, SmartAsset, Entrepreneur, Bloomberg, The Simple Dollar, U.S. News and World Report, and Women’s Health Magazine.

The Annuity Expert is an online insurance agency servicing consumers across the United States. My goal is to help you take the guesswork out of retirement planning or find the best insurance coverage at the cheapest rates for you. 

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