Can I get travel insurance while pregnant?
The quick answer is yes and no: you have to pay attention to what the plan covers and if it fits within your needs. If you’re an expectant mother, or if you are travelling with one, you’ll be keen to make sure you are able to travel with peace of mind. Purchasing travel insurance while pregnant can cover you for any unforeseen complications like medical emergencies, holiday cancellations and lost luggage. If you are pregnant, there are a few special points to consider when you are comparing travel insurance plans, though. Here are a few tips and things to look for:
Prerequisite assessments
Most travel insurance companies will request a medical assessment to be completed before the policy is approved. In youGo’s case, you only need to take this medical assessment if either of the following apply to you:
- There have been complications with this or any previous pregnancy, or
- The conception was medically assisted (including hormone therapies and IVF).
We’ve designed our online quote process to include the medical assessment so you won’t have to struggle going back and forth between the assessment and your quote’s progress.
Know what’s covered and what isn’t
Generally speaking, most insurers will allow you to travel during your pregnancy unless you are advised against it by your doctor. While purchasing travel insurance while pregnant doesn’t provide cover for events arising from normal pregnancy, you could possibly be covered for complications and unforeseen events while travelling.
Review policy documents
A travel insurance company’s PDS will be your best tool as you look to find the perfect pregnancy travel insurance plan. Here is where you can read verbatim what is and is not covered by a company’s travel insurance policies.
If you are looking at youGo’s policies, the following restrictions will apply to all pregnancies:
- Cover is only provided for unexpected serious pregnancy complications which happen before or during the 26th week of pregnancy.
- No cover will be provided for childbirth or the health of the newborn child, irrespective of the stage of pregnancy at which the child is born.
In summary, expectant mothers should consider whether they should travel under this policy, particularly if they will be travelling beyond the 20th week of the pregnancy.
If you have any questions about a travel insurance plan during a pregnancy, feel free to get in touch with youGo’s travel insurance experts who are waiting to help you! We want to give you the right travel insurance plan for your growing family. Call us at: 1300 916 560 or visit us online for more information and access to our PDS that has full policy details.