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Pregnancy Travel Insurance

Whether it’s a brisk city break or a week long serving of sun, sea, and sand, travel insurance is something all holidaymakers should consider. And this is especially true if you’re expecting.

No matter how far along you are in your pregnancy, it's worth taking a look a specific pregnancy travel insurance, just in case your little one should decide to make an early appearance! 

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Do I need specialist travel insurance when I’m pregnant?

Some annual travel insurance policies cover pregnancy, so it’s worth checking to see if you’re already covered. For everyone else, special pregnancy travel insurance can prove useful if you’re more than a few weeks gone. In the event you require pregnancy-related medical attention abroad, it’ll cover you for any hefty hospital bills. But bear in mind that many insurers won’t provide cover beyond 26 or 27 weeks, since it’s deemed much riskier to travel.

 

pregnant woman
toy plane on map

What does pregnancy travel insurance cover?

Travel insurance for pregnancy generally covers the same things as standard travel insurance, such as lost luggage, cancellations, and flight delays (though these things do vary between providers). The main difference is that the medical cover it provides is better suited to pregnant women. A good policy can cover things like:

  • Pregnancy-related complications
  • Early births
  • Medical care during labour
  • Additional expenses if you give birth abroad and need to delay your return

Not all policies cover these though, so make sure you pick one that covers every possible eventuality if you feel you need that cover.

What pregnancy documents do I need to take with me?

In the event you need medical attention, it’s important you’ve got the right documentation at hand. This includes your maternity notes, a copy of your travel insurance policy, and the relevant emergency helpline number. If you’re holidaying in Europe, bring your EHIC (European Health Insurance Card) along too. Keep any receipts or paperwork you receive safe, so they can be used as evidence should you need to make a claim.

What happens if I become pregnant after I’ve booked a holiday?

If you’ve bought travel insurance when you were pregnant but didn’t know, or you became pregnant soon afterwards, there’s usually nothing to worry about if your pregnancy is still in its early stages. If you’re further along and/or want to cancel your trip however, you may still have to fork out the money to cancel your holiday. If you’ve been advised against travelling by your doctor though, some insurers will pay up – though this does vary so you may need to speak with your insurer.

If you still want to go away after discovering you’re a few weeks pregnant, make sure you speak to your provider to see if they can alter your existing policy to cover you.

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What else do I need to think about before travelling?

If you’re a first-time mum and you’re more than a few weeks into your pregnancy, here are a few things to bear in mind:

  • Go to the doctors: before going away, make sure you’ve got the all clear from your doc. If you ignore their advice, you risk your insurer not paying out if things go wrong.
  • Airliners: most airliners won’t allow you to fly if you’re too far along. Be sure to check their policy prior to booking your flights. Most are up to 36 weeks.
  • Food and drink: when you’re eating for two it’s important you keep it up – even in warmer climates where you might not have such a large appetite. Eat and drink regularly, and ensure you take food and drink with you if you’re venturing from your accommodation for a while.
  • Take it easy: for many holidaymakers this is the intention anyway. But if you’re an expecting mum you may need to take extra care. Try to avoid lugging heavy suitcases or engaging in any activities that could put you and your baby at risk. Hot tubs and saunas are best avoided too. Going away and the organisation that comes with it can sometimes be stressful. But try your best to stay relaxed – after all, that’s what holidays are all about!

Is it easy to get a travel insurance quote if I am pregnant?

Getting travel insurance in pregnancy isn’t any more difficult than getting the regular kind – you can do it all online. Insurers will need to know your holiday destination, your travel dates, and which optional extras you’d like added to your policy. While you don’t need to necessarily declare you’re pregnant in the same way you do with a pre-existing medical condition, you’ll need to make your insurer is aware of your exciting news, so you’re adequately covered for pregnancy-related problems.

The most important thing when picking a policy is to make sure you know what it does and doesn’t cover. Only commit to it when you’re satisfied it ticks all your boxes.

For a round up of deals from some of the UK’s leading insurance providers, comparethemarket.com is the perfect place to start your search. Simply enter your details and compare a bunch of top-notch travel insurance policy providers. It’s quick, easy, and free, and you could save yourself some extra pocket money for your holiday.