Best Travel Insurance While Pregnant
Introduction
At Travel Defend, we receive many questions about pregnant women traveling. Will most policies cover issues that arise from normal pregnancies? The answer is NO.Regardless what you may read online, most policies will only cover you if you were not pregnant when the policy was purchased or if a rare condition arises on your trip
(which we will get into more detail shortly). Any article or anyone that tell you different are flat out incorrect and just trying to sell you something. Fact is (In general),travel insurance does NOT cover trip cancelations, medical coverage or other travel losses that result from normal pregnancy.
Pregnancy complications: what does travel insurance cover?
Assuming the pregnancy occurred before the policy was purchased, then the details of the coverage must be listed specifically in the policy that a traveler purchases. You'll have to carefully read through the pregnancy travel insurance policies you are purchasing.
Examples of unforeseeable and unexpected medical complications that may be covered by insurance include:
Some travel insurance policies may consider pregnancy complications as a complication.
- Acute nephritis: disorders that cause swelling and inflammation of the glomeruli in the kidney
- Cardiac decompensation: heart failure that has worsened and needs immediate medical attention
- Non-elective cesarean section: The mother has a serious medical condition that requires emergency C-section.
- Nephrosis: A kidney disorder that causes the body to excrete too much protein in the urine.
- Preeclampsia is a condition characterized by high blood pressure, which can damage organs.
- Gestational Diabetes: diabetes which develops during pregnancy
- Hyperemesis gravidarum is a severe and persistent vomiting that occurs during pregnancy and can cause dehydration or weight loss.
Travel insurance policies can have limitations or exclusions based on pre-existing conditions. It is important to read your policy and to contact your provider with any questions.
The only way to truly know which is the best travel insurance policy to purchase while pregnant is to speak to an expert who can guide you.
At Travel Defend, our brokerage has access to every travel insurance policy in America and we are experts at all of them. Our concierge service will answer all your questions,ensure you receive the perfect policy for your precise situation, take care of all the paperwork, and most importantly, ensure you get paid if you have a problem.
The best part? You never pay a penny more to work with Travel Defend. All our benefits, with no downside- the ultimate win-win.
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What pregnancy-related issues are not covered under travel insurance?
Childbirth
Travel insurance does not cover childbirth without complications. Only if complications occur during delivery can the policy be used. The plan would cover emergency medical costs in that situation.
Travel Disinclination
Travel insurance may or may NOT cover a pregnant woman’s disinclination to travel. It depends on whether pregnancy is deemed a “covered cause” to not travel.
False labor
Travel insurance does not cover false labor, but it may cover complications that arise from false labor.
Bed rest prescribed by a physician
A traditional travel insurance policy will not cover bed rest prescribed by a doctor during a vacation. Emergency medical evacuation coverage may apply, however, if your evacuation back to your home country was deemed medically required.
Consider adding coverage for “cancel at any time”. This is an optional upgrade which provides 75% of the non-refundable costs for your trip, provided you cancel your plans at least 48 hours prior to your departure.
WHY IS TRAVEL MEDICAL INSURANCE SO IMPORTANT?
Travel insurance does a number of things. It can protect the trip cost, as well as provide medical coverage on the trip, trip delay, baggage delay, baggage loss and a number of other important coverages.
Any time you leave the country, travel insurance is a must. This would apply to any person of any age and on any trip. Traveling to a foreign country with no medical coverage can be a life altering devastating experience. The cost of travel insurance (when the trip cost is low) is typically very cheap but critical. Medicare and many US based health insurance plans will not provide adequate medical coverage while traveling outside of the U.S.
What pregnancy-related issues are not covered under travel insurance?
Childbirth
Travel insurance does not cover childbirth without complications. Only if complications occur during delivery can the policy be used. The plan would cover emergency medical costs in that situation.
Travel Disinclination
Travel insurance may or may NOT cover a pregnant woman’s disinclination to travel. It depends on whether pregnancy is deemed a “covered cause” to not travel.
False labor
Travel insurance does not cover false labor, but it may cover complications that arise from false labor.
Bed rest prescribed by a physician
A traditional travel insurance policy will not cover bed rest prescribed by a doctor during a vacation. Emergency medical evacuation coverage may apply, however, if your evacuation back to your home country was deemed medically required.
Consider adding coverage for “cancel at any time”. This is an optional upgrade which provides 75% of the non-refundable costs for your trip, provided you cancel your plans at least 48 hours prior to your departure.
WHY IS TRAVEL MEDICAL INSURANCE SO IMPORTANT?
Travel insurance does a number of things. It can protect the trip cost, as well as provide medical coverage on the trip, trip delay, baggage delay, baggage loss and a number of other important coverages.
Any time you leave the country, travel insurance is a must. This would apply to any person of any age and on any trip. Traveling to a foreign country with no medical coverage can be a life altering devastating experience. The cost of travel insurance (when the trip cost is low) is typically very cheap but critical. Medicare and many US based health insurance plans will not provide adequate medical coverage while traveling outside of the U.S.
