Pregnancy travel insurance. Why being a mum-to-be shouldn’t stop you travelling.
We have some exciting news at World First HQ. Senior Customer Service Supervisor Shushanah Tolley is expecting a baby on the 13th of June. Naturally sheâs thrilled, as is her partner and fiancĂ©, Tristan Rothwell, our very own Social Media Man. Heâs beside himself at the prospect of being a father for the first time! As you can see from the pictures above.
Last chance for a child-free holiday?
While Tristan and Shushana have no plans for a big getaway before the event, itâs understandable that lots of young mums-to-be should want to travel before their baby is due. It is a fantastic opportunity to relax, take time out and enjoy the calm before the storm. After all, life and travel will never be the same again once the baby arrives. But what about getting pregnancy travel insurance?
Travelling while pregnant
Pregnancy is considered to be a âmedical conditionâ by the travel insurance industry, so you will need specialist cover. Also, if you were to head off on your holidays and didnât declare it, the chances are your insurance company would decline any claim that arose as a result of that pregnancy. So it is absolutely vital that you take out a policy that will cover it.
Talk to a specialist insurer
Lots of travel insurance companies wonât cover pregnancy because it is seen as too great a risk. That means that cover you get free through your bank or with your credit card may not cover you without exclusions, if it covers you at all. Shop around and choose carefully who you go with. Some companies may refuse cover, while others may charge you a small fortune for it.
World First can cover you
We are happy to say that World First can offer pregnancy travel insurance cover with the same great range of benefits as all other travellers enjoy. In fact, we cover hundreds of mums-to-be each year who donât want to let their pregnancy stop them from seeing the world. Our policies include medical expenses cover for pregnancy and childbirth from week 0 to week 28 while you are away. From week 29 to week 40 we canât offer any cover for claims relating to a normal pregnancy or cancellation due to the pregnancy. However, we will provide this cover if you experience complications more than 12 weeks (or 16 weeks if you know you are having more than one baby) before the expected delivery date.Â These are: toxaemia, gestational hypertension, ectopic pregnancy, post-partum haemorrhage, pre-eclampsia, molar pregnancy or hydatidiform mole, retained placenta membrane, placental abruption, hyperemesis gravidarum, placenta praevia, stillbirth, premature birth, miscarriage, emergency caesarean or a termination needed for medical reasons.
Are you fit to travel?
All airlines and most ferry companies place restrictions on how far into your pregnancy you can travel. This can be as little as 28 weeks or as much as 38 weeks, depending on the company and the length of your journey. If youâre having trouble travelling by air or sea and are still keen to get away, itâs worth noting that there are usually no restrictions on coach or rail travel. The best thing to do here is to check with your carrier – before you book – that they will be willing to let you travel at your stage of the pregnancy at the time of travel. Unfortunately, if your carrier refuses to take you then we will be unable to cover you.
Getting vaccinations right
If you are planning to travel to a country that requires vaccinations it is important to do your research before you book. This means checking that youâll actually be able to have the necessary vaccinations. If you discover â after booking â that you are unable to have the appropriate and required vaccinations as a result of your pregnancy then you will not be covered if you decide to (or have to) cancel your trip.
What if you have your baby when you are away?
It does happen! The good news is that we will cover both of you to travel home. If you have Annual cover all you have to do is let us know and we can add the baby to your policy before you travel home. Just make sure you keep us in the know.
Should you be worried about travelling when pregnant?
Unless you have been told by your doctor not to travel, then most likely, no. However, if youâre flying when pregnant, you may have a slightly increased risk of developing deep vein thrombosis â a potentially life-threatening blood clot that (usually) forms in the deep veins of the legs. This is why carriers are unlikely to carry you after a certain period. Simple preventative steps like wearing DVT socks, walking around every so often, staying well-hydrated and avoiding tight clothing will minimise the risks.
If in doubt, talk to us
Our Customer Service team have a lot of experience of helping mums-to-be. So if you have any doubts or worries about travelling, or our pregnancy travel insurance give us a call before you book anything. They will be able to let you know where you stand right from the off.
We look forward to hearing from you!