Travel insurance guide for pregnancy
So you’re pregnant! Congratulations are in order! While it’s certainly an exciting time in your life, pregnancy shouldn’t stop you from doing the things that you love - including traveling overseas.
You’ll be pleased to know that most travel insurance companies will be excited for you also, but they do have provisions in place so make sure you check which overseas travel insurance company will give you the best cover for your scenario.
At how many weeks pregnancy will I be covered?
Not every travel insurance company will cover pregnancy. So it’s a good idea to do the leg work and double check who will. For those that will cover your travelling abroad while pregnant, the terms and conditions will vary between each.
While some will cover you up until 26 weeks gestation other travel insurance companies will cover you up until 32 weeks gestation (about eight and a half months pregnant). So you really need to get your diary or calendar out and work out the dates. Check your departure and arrival dates back to Australia to ensure your pregnancy is covered right up until you return home.
What am I covered for?
This is the tricky part. Even if you’re covered up until your week 26 of gestation, the policy may not cover all the conditions you require. You may even consider changing the return dates of your trip to fit in with travel insurance for pregnancy, but that’s up to you.
It’s good to know that most travel insurance companies will cover you for illness or complications in your pregnancy should they occur within the specified gestation period and should you purchase your policy before these complications arise. It’s all about timing. Of course, you hope the very best journey from your pregnancy, but you never know what’s around the corner.
In addition to the medical cover you’ll want for yourself and your baby, you should also make sure your policy has cover for other travel essentials like:
- luggage and personal belongings
- trip cancellation and delays
- dental care
- personal liability
- car rental excess cover
Am I covered for multiples?
If you’re pregnant with twins or more, the short answer is likely to be no. To be on the safe side, check with your travel insurance company about your pregnancy before leaving Australia so that there are no hidden surprises for you or the travel insurance company.
What if my pregnancy was IVF?
As medically assisted pregnancies go, most travel insurance companies see your pregnancy as potentially risky due to the medical attention your pregnancy may require. If this is you, be sure to double check with your travel insurance company before getting on that plane.
I fell pregnant after I booked my holiday and travel insurance
What a lovely surprise! But in most cases, if you fall pregnant after you purchase travel insurance, your policy may be deemed void. This can be due to so many things like:
- travel insurance when pregnant usually costs more than regular travel insurance
- your physical conditions and possible scenarios change
- if you had complications in previous pregnancies, if this is not your first
- your doctor or obstetrician may deem you unfit to travel abroad.
With this in mind, you may want to consider cancelling your existing travel insurance and purchasing a new one, the right one that will cover you for the time and care should you need it.
What you won’t be covered for
Not every travel insurance company will cover the same sort of conditions for pregnancy. But a common list of what they will not cover while you’re pregnant and traveling may include:
- Falling pregnant after purchasing travel insurance
- It’s on record that your doctor advises against travelling
- Suffered complications during previous pregnancy or birth
- On record that you’ve experienced complications in your current pregnancy prior to purchasing travel insurance
- You’re traveling after the specified time the travel insurance company agreed to cover you for
- Antenatal care
- Postnatal care
- Care of a newborn
- Trips to cover medical treatment for the sake of gestation or post gestation
- Complications that arise after a specified time period
- Morning sickness or your inability to travel because of it
- Medical consultation fees including hospital cover while overseas.
How much will I actually pay for my cover?
The amount that you’ll pay for your policy will be determined by anything from your age to how long you’re traveling for. Here’s a range of factors that will determine the cost of your travel insurance policy while pregnant:
Your destination – some destinations are thought of as higher risk and may attract a higher premium or not cover you at all. Check before booking your holiday.
Duration - the longer you stay, the more you pay
Health and age – pregnant or not, your travel insurance will need to know pre-existing medical conditions. Your age will need to be factored into it as well.
Type of policy – there’s a mountain of policies to choose from. It’s up to you to take the time and select the best cover for you and your personal situation. After all, you know you best.
If uncertain about the type of cover you should purchase or whether traveling is ideal for you at this time in your life, check with your medical practitioner for the best results.
Using Mozo’s tool to compare travel insurance quotes here’s a sample of the cheapest cost policies for a 10 day holiday, with a policy offering unlimited medical coverage for pregnancy.
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Which insurers offer travel insurance for pregnancy?
We’ve made it easy for you to narrow down the list of insurers that offer pregnancy cover with our incredibly helpful quote tool calculator. You’ll first need to enter details of your trip and your age into our quote tool. Once you’re at the results screen you can filter by “Pre-existing conditions” - check pregnancy and our quote tool will resort the list, showing you the cost and travel insurance companies that offer cover for pregnancy.
Tips to getting top pregnancy insurance cover
Read. The. Fine. Print. No matter which cover you purchase, there will always be provisos in order to make your claim viable.
Where are you traveling to? Not every country you travel to will require the maximum overseas travel insurance. Your cover should depend more on pre-existing medical conditions, stolen luggage or if your flights get cancelled. So if you’re travelling to a relatively safe country, you may only be required to pay less than you originally thought.
Excess fees In the end, what you pay in excess fees may affect which travel insurance policy you purchase. Cheap travel insurance usually comes with a nasty financial bite that could really hurt, so why not go for an overseas travel insurance policy that’s not necessarily the most expensive but one whose excess is a little more in-between.
Pre-existing medical conditions Pregnancy is considered a pre-existing medical condition so let your travel insurance company know about it, especially before purchasing your policy. If you fall pregnant after your purchase your travel insurance policy and you haven’t left Australia yet, you may be able to cancel it and then buy the right one to cover you every step of the way.
How do I report an incident? If it’s a motor vehicle accident where property is damaged, your fault or not, you’ll need to contact the police and obtain a report. Be aware, some countries will require you to pay a fine. If the amount seems excessive, you may be able to bargain down the price. Remember, if it’s a cash bribe you’re paying to get you out of strife, then you can’t claim it. If it’s medical attention that you need, then you will need a medical report that explains what happened. As soon as you’re able, get in touch with your overseas travel insurance company so that they’re aware of your situation from the start.
License to drive and more Don’t have a license to drive in the country you're traveling to? The the short response to that is: Don’t drive! Your travel insurance policy won’t cover you. And especially don’t hire or drive a vehicle that’s unregistered. If language is a barrier and you’re uncertain, then it’s best to cab it around or hire a driver for the day. It will cost far less than having to cover medical bills on your own without the help of your travel insurance policy.
Submitting a travel insurance claim
We uncomplicate the overseas travel insurance claims process so that you can get on with enjoying your holiday pics, souvenirs and videos.
Mozo’s taken the time to guide you step by step on how best to make a claim if something goes wrong while traveling abroad. So take a few moments to go through these steps so that you’ll be familiar with the process to make your claim:
- Do you know where your overseas travel insurance policy number is? It’s a good idea to keep track of all necessary documents and place them in an easy-to-remember spot before leaving your home for the airport. Making a copy and traveling with them can also be handy.
- You’ll need copies of receipts, police reports or witness reports to attach to your claim. If you are planning to submit an online claim then you’ll need to scan all your documents.
- Most insurers will have a Claims section of their site where you can download the claim form or complete your claim online.
How long should I wait to hear back?
It could be anything from 2 to 10 days before you hear back after lodging your travel insurance claim form. If you’re uncertain that it went through ok, or want to chase the progress, just give them a call. They’d be more than happy to help.
When can I make a claim?
You can make a claim as soon as you like, but it’s recommended that you lodge your form asap. The last thing you want is to lose track of all the paperwork you need.
Travel insurance reviews
If you need a little nudge in the right direction, read a few travel insurance reviews about other traveller’s personal experience. That way you get the most objective overviews about the travel insurance policies out there.