Pregnant Women And How They Are Covered By Travel Insurance Plans

Pregnancy is one of the most exciting times in a woman’s life and there is often a misconception among pregnant women that they should not travel at any time during their pregnancy. However, with a good travel insurance plan in place, pregnant women can have a relaxing and stress free holiday before preparing for the arrival of their little one.

Before booking any type of holiday, pregnant women should visit their doctor to make sure that there are no underlying health issues that could cause problems in flight or while in another country. In some cases, a physician may recommend that a woman doesn’t travel due to elevated blood pressure or other factors that may prove to be harmful to either her or the baby. If she didn’t schedule a check up and decided to travel anyway, she may run the risk of experiencing complications while far from home.

Even if a pregnant woman receives a clean bill of health from her doctor, she should still purchase a travel insurance plan prior to leaving the country. Travel insurance is meant to provide financial and medical assistance in emergencies while traveling outside of the country. Travel insurance will cover everything from stitches, medications for illnesses, infections, or more serious medical needs such as surgeries or evacuation back home for medical treatment.

This being said, pregnant women need to carefully review their travel insurance plan to make sure that there are no exclusions listed regarding pregnancy. Pregnancy is often considered to be a pre-existing condition or a high risk to insurance companies. Before an insurance company will even issue a travel insurance policy to a pregnant woman, they will request a letter from the physician stating that there are no current health issues relating to the pregnancy.

Even if the doctor’s letter shows that her health is in good standing, some insurance companies will restrict coverage to exclude the first few weeks of pregnancy and the last few weeks. This is because most miscarriages occur during the first three months of a pregnancy and delivery can occur earlier than the expected date. However, if a woman experiences complications any other time in between these exclusion periods, then she may be covered.

Travel insurance not only provides financial and medical coverage for pregnant women while they are traveling abroad, but it also provides peace of mind. Without travel insurance, the added stress of possible illnesses or injuries can be detrimental to a woman’s emotional state. This stress can actually bring on more serious health issues as a result. Securing a travel insurance policy while you are pregnant will ensure that you are adequately covered while traveling.