Any kind of foreign travel requires some kind of travel insurance, but those travelling while pregnant need to be sure that they have as much travel health insurance in place as possible. Here we take a look at some travel insurance tips for expectant ladies.

Because pregnant women are seen as being high risk customers in insurance terms, the cost of travel insurance during pregnancy can be a good deal higher. Medically speaking, the safest time for you to travel is during the second trimester, with the first trimester carrying the highest risk of complications.

Although medically your first trimester is actually the time when you are at most risk of complications, insurers view the third trimester as the biggest risk, and hence booking a holiday during your third trimester will cost you more in insurance terms.

If you have a document from your GP that states tat you are fit enough to do so, you are likely to be able to travel on most airlines until you are 36 weeks pregnant. If you have had any complications with previous pregnancies, then this may drop to 28 weeks. Insurers, regardless of your level of health, are not likely o insure you if you are more than 28 weeks gone.

As well as booking your trip within the safest trimester, another way to keep insurance costs down is to check all of your existing insurance policies. If you have any health insurance already, you may be already have some level of travel cover, and so may only need to top-up your existing cover.

Shopping around for insurance is really the only way to find the best deal. The more insurers you obtain quotes from, the more informed a choice you can make about policies. The internet is a great tool for comparing many insurers at once, so make use of the many handy price comparison websites.

While avoiding any trips while in the last stages of pregnancy is always advised, sometimes travel during this period is a necessity. In this case, finding a travel insurance policy is always more difficult, and more expensive. Some of the larger insurers will be willing to write up a specialist policy to meet your needs, or you could try a specialist insurance broker who may be able to offer you a slightly cheaper quote.

We are always advised to check the small print when signing any kind of policy, but when pregnant, his is doubly important. Many insurance companies stipulate exclusions relating to pregnancy in their insurance policy clauses. These especially relate to your due date, with most stating that you must return from your trip a full two months before you are due to give birth.

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