If you are expecting a child and planning a trip, it is important to know the potential implication this may have on your holiday and your travel insurance to make sure you are informed about what you are covered for. It is generally advised that expecting mothers should not travel after 6 months of pregnancy due to higher risks associated with flying and the possibility of premature childbirth, however many women are happy to travel throughout the duration of their pregnancy. If you do plan to travel late into your pregnancy, a specialized travel insurance plan may be a good idea to look into.

Pre-existing Condition

Although insurance policies differ between providers, many insurance policies consider pregnancy as a pre-existing condition. Therefore, you will need to notify your insurer of the fact that you are pregnant and how far along you are into your pregnancy. If your trip is interrupted or cancelled due to complications related to your pregnancy, you may receive compensation. You will also need to inform the insurer of any pre-existing medical conditions such as diabetes or hypertension when buying your insurance plan.

Pregnancy-related Complications

Some insurance providers offer pregnancy travel insurance policies which cover pregnancy-related complications and issues specifically. These include benefits such as: hospital and emergency medical cover for complications relating to the pregnancy, having to cancel, or cut your holiday short, a delayed departure, cover for legal expenses as well as accommodation cover. Specialized pregnancy insurance plans often cover premature childbirth up to 32 weeks gestation. Most pregnant moms-to-be do not expect to go into labour while on holiday, however having this benefit provides peace of mind in the event of an emergency.

Health Risks

If you are booking a trip and you are already pregnant, it is important to be aware of any health risks associated with countries you are travelling to. The Zika virus is a disease which may have harmful effects on unborn children. It is a good idea to check whether your destination has a high risk of transmission.

When booking travel insurance, it is always important to check the fine print and make sure you know what you are covered for. You can compare a range of quotes to make sure that you and your pregnancy are covered, and that you get good insurance cover that suits your needs and your budget within a few minutes at Compare Insurance.