Holiday insurance while pregnant
Planning a holiday while you are expecting can be a stressful experience, but having good comprehensive travel insurance in place can give you some peace of mind. You want to be sure that when you travel, your policy will be able to provide cover for the best healthcare possible.
When you decide to travel is important. According to health statistics, the period of time when it is least likely that a pregnant woman will develop complications is during her second trimester. This is therefore the safest time to book your holiday.
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.
You will find that many airlines will accept pregnant passengers up until their 36th week of expectancy, so long as a note from a doctor can be shown to satisfy them that you are physically well enough to fly. Insurers on the other hand are not likely to insure anyone past their 28th week.
Besides timing your holiday so that you travel during your 2nd trimester, there are other things that you can do control the cost of your travel insurance. If you have any existing insurance products, particularly private medical insurance, or even a credit card, read through your policy details carefully. It could be that you are already partially, or fully, covered for overseas travel.
The internet can be a godsend when it comes to finding insurance, especially for specialist policies. Comparison sites make the contrasting of policy prices and details a good deal easier than phoning round companies individually. Trying as many insurers as you can for quotes is the key to finding the most affordable policy for you.
Women who cannot avoid travel during their third trimester may struggle to find an insurance company to cover them. If you have to travel, try a specialist insurer or broker, or speak to your existing insurer to see if they can tailor a special policy to meet your needs. This may cost you more, but it is far better than travelling without insurance.
Most travel insurance policies have exclusions relating to pregnancy, and so it is always vital that you read the small print. You are most likely to find a cause that deems the insurance invalid if you do not return home at least eight weeks before your due date.
For great deals on holiday insurance including annual travel insurance with cancellation cover up to £5,000, visit AA Travel Insurance.
Related posts:
