When it comes to travel plans, unexpected circumstances can sometimes arise, making it difficult to proceed with your trip. For many women, pregnancy can be one such obstacle. While not all travel insurance plans cover normal pregnancies, there are options available. In this article, we outline several situations that pregnant travelers may encounter while planning or during their trip.
Trip Cancellation Due to Unexpected Pregnancy
While not all travel insurance plans offer coverage for unexpected pregnancy, some do. In such cases, you will likely need to provide proof that your pregnancy occurred after the effective date of your plan. This can be done through a medical document signed by your physician.
Traveling while Pregnant
If you need to cancel your trip due to a healthy, "normal" pregnancy, comprehensive travel insurance plans may not cover the trip costs. However, if you purchase a comprehensive plan that includes the Cancel for Any Reason benefit, you will be able to cancel and receive a reimbursement for a portion of your trip cost.
The Cancel for Any Reason benefit allows you to recoup a percentage of your pre-paid, non-refundable trip cost. Keep in mind that you must qualify for this coverage by purchasing it within a certain number of days after making the first payment toward your trip. Additionally, you will typically need to insure the full cost of the trip and cancel at least 48 hours prior to the scheduled departure date. Cancelling on the day of departure will not be covered under this benefit.
Pregnancy Complications and Travel Medical Coverage
While your travel insurance plan may not cover cancellation due to a normal pregnancy, it may extend coverage for complications that arise during your pregnancy. If your doctor provides documentation stating that you cannot travel due to a complication or prenatal condition, your travel insurance plan may cover reimbursement for trip cancellation.
In the event that you encounter complications while traveling, a comprehensive plan with emergency medical coverage may reimburse you for any costs associated with the care required for that condition. This coverage could include evacuation back home if it is deemed necessary. Be sure to read the details of your plan, as coverage for complications may only apply during a certain time frame of your pregnancy.
What if My Doctor Advises Against Travel?
Unfortunately, unless your doctor advises against travel due to a covered complication of pregnancy, you may not qualify for trip cancellation coverage. Travel insurance will not cover cancellation of your trip if you are concerned about the possibility of a complication. For example, it will not extend coverage if your doctor advises against travel due to prior pregnancies, unless you have the Cancel for Any Reason coverage.
Refusal of Travel by Carriers
Even if you and your doctor are comfortable with traveling while pregnant, the travel carrier may have their own rules and regulations regarding pregnancy. Different carriers, such as airlines and cruise lines, may have specific policies in place.
It is important to note that travel insurance will not cover the cost of your trip if you are refused service by the carrier upon departure. As a traveler, it is your responsibility to familiarize yourself with the rules and regulations of the carriers from which you purchase tickets.
Childbirth on a Trip
If you go into labor while traveling in the later stages of your pregnancy, medical reimbursement will not be available, as normal childbirth is generally excluded from coverage.
If you are pregnant and planning to travel, it is advisable to contact your travel insurance company with any questions or concerns you may have about your coverage. Additionally, discussing the risks with your doctor before leaving can help determine if traveling is the best option for you at your current stage of pregnancy.
Remember, being prepared and informed about your travel insurance coverage can help alleviate any potential stress or uncertainties that may arise during your trip. Have a safe and enjoyable journey!
