June 23, 2024
Travel Insurance When Pregnant

Does Travel Insurance cover Pregnancy?

Travel insurance does cover pregnancy, but only under certain circumstances. While the specifics vary by policy, travel insurance can cover emergency medical costs associated with unforeseen complications if you travel while pregnant. If you become pregnant after purchasing insurance and decide to cancel your trip, trip cancellation coverage may reimburse you.


Unexpected pregnancy and trip cancellation insurance

Let’s say you and your spouse are planning a two-week vacation to Japan — a trip at the top of your bucket list. A year in advance, you book the flights and purchase travel insurance, only to find out three weeks later that you’re pregnant. Does travel insurance cover pregnancy in this case?


An unexpected pregnancy after purchasing travel insurance is not an uncommon situation, and it’s one that’s covered by many travel insurance policies. Check with your provider to see if unexpected pregnancy is a covered reason for trip cancellation. If it is, then not wanting to travel when pregnant or having a due date that’s too close to your trip would be considered valid reasons to cancel your travel plans. However, you’ll likely need to provide medical proof that the pregnancy occurred after you purchased your policy.


Pregnancy complications

Imagine that towards the end of your first trimester, just a few days before you’re scheduled to visit France for business, you begin to feel unusually thirsty and fatigued. During a visit to your doctor, you’re diagnosed with gestational diabetes and told that your pregnancy is now high-risk. Can you cancel your trip and get reimbursed?


If you were already pregnant when you purchased travel insurance, cancellation because of normal pregnancy symptoms likely isn’t covered. However, if you experience unforeseen complications before your trip and your doctor advises you not to travel, you can file a trip cancellation insurance claim to have non refundable trip costs reimbursed. Health conditions like gestational diabetes, hyperemesis gravidarum and acute nephritis may be covered.


If you start getting pregnancy-related complications during your trip, your medical expenses can be reimbursed with travel insurance that covers pregnancy, up to policy limits. Dig into the details when choosing your policy, as different travel insurance companies define complications of pregnancy differently. Your plan may also help you recoup travel costs if complications interrupt your trip or end it early.

Pregnancy and Cruises

Don’t try to sneak in that ten-day Caribbean cruise a month before your due date. The major cruise lines all have the same pregnancy policy: guests may not sail beyond 23 weeks of pregnancy. If you enter your 24th week of pregnancy before or at any point during your trip, you won’t be allowed to board.


While a restful cruise with 24/7 food offerings to satisfy any craving may sound like a welcome escape, there’s a good reason why you can’t cruise during your third trimester. Emergency medical care is limited on board and at many ports of call, and the third trimester is a riskier time for both mother and child. In the U.S., fetuses are considered viable at the gestational age of 24 weeks, but a cruise ship’s medical facilities are not equipped to care for a preterm baby.


Though you shouldn’t be out on the high seas and far from medical care towards the end of your pregnancy, you can still sail before 24 weeks. However, many cruise lines will require a doctor’s certificate stating that you are fit to travel and that your pregnancy is not high-risk. Consider looking into the best cruise travel insurance companies to learn more about coverage while pregnant.

Overseas births

If you travel internationally in a late stage of pregnancy and go into labor during your trip, normal childbirth will likely not be covered by your travel insurance policy. This means you’ll need to pay out of pocket for labor and delivery costs, as well as your family’s extended stay in your vacation destination.


However, if you experience complications during delivery, travel insurance may cover the associated emergency medical expenses.


If you give birth overseas, you’ll need to report the birth of your child as soon as possible to the nearest U.S. embassy or consulate. Keep in mind, too, that many airlines don’t allow newborns on flights.


Travel medical coverage

In addition to reimbursing emergency care expenses if you travel during pregnancy, travel medical coverage can help in a lot of other scenarios as well. Most travel insurance plans cover the costs of doctor’s visits, hospitalization, prescription medications, surgeries, emergency services (like ambulance rides and ER visits), lab tests and x-rays if you become ill or injured during your vacation. Reimbursement is up to the specific limits listed in your policy.


However, travel medical insurance won’t cover pre-existing conditions, like cancer, diabetes or asthma, unless you have an exclusion waiver. You’ll only be able to use your travel medical benefits for pre-existing conditions if you get a waiver from your travel insurance company. While pregnancy itself is not considered a pre-existing condition, some pregnancy-related complications may be.


Read up on your specific policy and ask your provider plenty of questions to find out exactly what is (and isn’t) included, the maximum dollar amount that’s covered and whether you need a pre-existing medical condition exclusion waiver.

What Travel Insurance Won’t cover if you’re Pregnant

Unfortunately, travel insurance won’t cover every pregnancy-related cost. If you’re already pregnant when you purchase travel insurance, you won’t be covered for trip cancellation due to normal pregnancy. This means that even if morning sickness has made the thought of vacationing in Cozumel unbearable, it isn’t a covered reason to cancel your trip. If you’re entering late-term pregnancy and your doctor advises you not to travel as a precaution, you won’t be covered for trip cancellation because there aren’t any complications with your pregnancy.

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