Pregnancy & travel insurance

Travel insurance and pregnancy - what you need to know

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Read about common travel misconceptions regarding pregnancy and how to go about securing a travel insurance policy while pregnant

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Having travel insurance when pregnant

If you’re pregnant and soon to be travelling, travel insurance should be on your list of things to take with you.

If you're going on holiday before the birth of your child, getting a competitive travel insurance for pregnancy quote ensures you are covered for a range of eventualities.

As with any insurance product, the level of cover you get and the exclusions written in the small print will vary from insurer to insurer.  It’s advisable to read through the terms and conditions of any travel insurance policy before you buy because some insurers, like airlines, will not cover you if you fly past a certain week in your pregnancy.

Equally, you won’t be charged more for your travel insurance if you are pregnant because you do not need to list it as a medical condition.

40% of people believe travel insurance is more expensive for pregnant women - this is not true!

MoneySuperMarket survey data. Correct as of August 2017.

Will travel insurance for pregnancy allow me to travel up to full term?

Effectively, yes, you’ll be covered by your travel insurance for pregnancy up to full term. But there are still a couple of things to consider:

  • Travel insurance covers you for complications associated with pregnancy and childbirth, not for routine treatments or a normal birth.
  • There might be some time restrictions, such as you’d only be covered for complications associated with premature birth within the first 32 weeks.
  • Airlines have separate restrictions on when they will allow pregnant women to fly.

Airline restrictions for pregnant women can vary dependent on the flight operator, the restriction m might be 32 or 36 weeks (and you might need a doctor’s certificate to fly this late in your term). So even if you’re covered by your insurance, you might not be able to travel if you’re going by air.

If you’ve yet to buy insurance, it’s worth looking to see what the policy documents say about pregnancy. And if you’re going to be flying, check with the airlines for any restrictions.

What is covered with travel insurance for pregnant women?

Travel insurance for pregnant women covers the same as any other travel insurance, including medical expenses, medical repatriation, personal liability, lost and stolen luggage and flight cancellation. Though basic cover can vary from policy to policy so check the small print in all cases.

Many policies are ‘stepped’ in that the cover gets more extensive on the payment of a higher premium. You may also be given the option to increase the limits of cover you enjoy, and to add ‘extras’ to your policy schedule, such as digital gadgets and devices.

It’s worth noting that, with travel insurance, you get what you pay for in the sense that cheaper policies tend to offer lower cover levels. What’s more, with a lower premium policy, you could face higher excess payments in the event of a claim (the excess is the amount you must contribute towards any claim you make).

With some policies, you pay an excess per policy (the preferred option) while with others you pay the excess for each individual named on the policy (not ideal unless the policy offers extensive cover at a highly competitive premium).

To find out more about the minimum recommended cover levels in each area, please take a look at our travel insurance guide.

Travelling while pregnant – the myths and realities

There’s lots of confusion around the topic of travelling while pregnant, with around a third of Brits thinking it is risky (29%), a third thinking it is safe (27%), and the final group not knowing (44%).

Confusion surrounding pregnancy & travel infographic

MoneySuperMarket survey data. Correct as of August 2017.

Younger people in particular have many concerns about travelling while pregnant, making them much more cautious than older generations. Among 18 - 34 year olds:

  • 54% think that travelling while pregnant is a risk.

This isn’t true. The risk of travelling while pregnant is actually relatively small.

  • 49% think that pregnant women should only travel on short-haul flights.

Outside of the danger of giving birth on a flight, there’s no real difference between short-haul and long-haul flights.

  • 44% think that pregnant women shouldn’t travel unless there’s a doctor on the flight.

Since the risk of travelling while pregnant is relatively small, this isn’t necessary. 

Travelling while pregnant: young people's misconceptions infographic

MoneySuperMarket survey data. Correct as of August 2017.

When should I fly during pregnancy?

As long as you’ve had a straightforward pregnancy, flying shouldn’t cause you any problems, but it may be that you’ll want to speak to your doctor about it.

  • The safest time to fly is before 36 weeks, after which there’s a possibility of going into labour.
  • However, some women prefer not to fly during the first 12 weeks due to feelings of nausea or morning sickness. Plus there is a higher risk of miscarriage during the first three months, and so some women will not want to fly.
  • If you want to fly after the week 28, the airline might ask for a letter from your doctor or midwife confirming the expected due date and whether you’re at risk of any complications. 

When can I fly infographic

MoneySuperMarket survey data. Correct as of August 2017.

Advice for travelling during pregnancy

A well-deserved break can be just what the doctor ordered during a pregnancy, but it's important to plan ahead to make sure the holiday runs smoothly and that stress levels are kept to a minimum.

Before travelling, you should consider the following:

Potential blood clots: The risk of developing blood clots (deep vein thrombosis) in the veins of the legs during a flight (or when remaining stationary on a long car journey) increases when pregnant, so it's important to regularly get up and move around as much as possible. You should aim to do so for around 15 minutes of every hour.

Vaccinations: It is best practice to avoid travelling to high risk destinations as the use of a vaccine may not be safe during pregnancy. Malaria also poses a high risk to pregnant women, so speak to your doctor if you need further advice in this area.

How can I reduce the risk of DVT infographic

MoneySuperMarket survey data. Correct as of August 2017.

Is it easy to get a quote for pregnant travel insurance?

Yes, getting a pregnant travel insurance quote should only take a few minutes and you only need to fill in a few details to start the ball rolling. To start the quotes process all you need to do is enter your details on our online comparison tool.

You'll need to enter the country or countries you are travelling to, the dates you'll be travelling between, along with your date of birth and details of anyone else travelling with you.

You’ll also need to disclose if you have any pre-existing medical conditions – but remember, pregnancy is not a medical condition so in actuality it doesn’t make a difference to the price or to the availability of the insurance.

With these questions answered, you can proceed to the results page. Here you can filter results by cover level in the areas of baggage, cancellation and medical expenses and decide on the excess you wish to pay should you need to make a claim.

After doing this, all that remains is to choose a travel insurance deal best suited to your requirements at a competitive price.

*Based on MoneySuperMarket travel insurance survey, 2017

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