As a pregnant woman that wants to travel probably has travel insurance before now, so many things come to mind ranging from what does the coverage protects and all that. The fear in the women even starts with the question of whether they can actually fly abroad or not with their present condition.
Therefore, the very decision to travel will not be made by you alone, if your doctor gives you green light then you are free to travel, but if not you have to stay behind due to your condition.
There are many aspects related to travel and pregnancy, it concerns itself with either the plan will cover the scenario will depend on the symbol the type of plan you purchased or trying to purchase.
The Extent of Cover During Pregnancy
1. During an Unexpected Pregnancy
After you must have booked your trip and you suddenly discover that you are pregnant and wishes to cancel the trip, it’s only a few travel insurance that can provide you with cancellation coverage, most of them will not.
But before any will, you will have to provide full proof that you became pregnant after the effective date of the travel with written proof from your doctor.
2. Fear to Travel
There will be no cancellation coverage if you suddenly became afraid and feel it’s no longer safe to travel and wishes to cancel because you are pregnant.
Exceptions are only if you have purchased the cancel for any reason travel insurance. Of course, even at that, you still need to meet the necessary and be able to make your cancellation at least two days before the trip.
3. Some Airlines Restrictions
Some airlines may have restrictions on pregnant women on how far in pregnancy they can allow them to travel.
So, even if you and your doctor feel it’s ok to travel but you have reached the restriction limit of the travel airline, there will be no coverage for you because you should have known the rules of your travel agents before you book the ticket.
4. If the Pregnancy is Complicated
Many of the travel insurance agents make provisions for complications during pregnancy that lead to the cancellation of trips.
There are benefits that are given. Complications in pregnancy are any health challenge in pregnancy that is other than the normal pregnancy that hinders the woman from traveling.
However, your doctor will have to provide a written document proving the extent of the complications showing why the trip is to be canceled, and also that the complications are not regular pregnancy issues.
Most travel agents provide emergency health care too while on air in case of any emergency complications.
5. Due to Doctor’s Advice
If after booking your travel and your doctor advises against traveling due to chances of complications in the already complicated pregnancy.
There will be no cancellation coverage given as long as the pregnancy is still normal. If your plan covers complications different from normal symptoms in pregnancy then it will be covered.
6. During Child Birth
If a woman delivers while traveling there will be no coverage because normal delivery is excluded.
Even if you have a premature birth after your vacation as long as it’s not yet your due date there will be no coverage.
Conclusion
It is very important to purchase travel insurance while pregnant. But it is much more important to understand the rules and policies of the travel insurance before going into any, ask questions from professional travel insurance agents/brokers so they can put you through it properly.
Again you must discuss the risk involved with your doctor so he can advise you better on whether to travel or not to avoid unnecessary complications while en route.