Travel Insurance During Pregnancy: What's Covered and What Isn't
Use the instant discount code MEDALLOADV2023
Traveling during pregnancy is safe for most women up to a certain point, but travel insurance almost never covers the delivery itself or complications expected from an already-advanced pregnancy. What it typically does cover are unexpected pregnancy-related emergencies, like a threatened miscarriage or a sudden, unplanned complication.
Before you travel, check two separate limits: how far along the airline allows you to fly, which varies by airline and whether the flight is domestic or international, and how far along the insurer will cover complications, which doesn't always match the airline's limit.
What does travel insurance typically cover during pregnancy?
It usually covers unexpected pregnancy complications, sudden bleeding or abdominal pain, for example, up to a certain week of gestation, defined by each insurer. It typically doesn't cover a planned delivery at the destination, nor care for a pregnancy already known to be high-risk before traveling.
Week limits: airline vs. insurer
Many airlines allow flying without a medical certificate up to roughly week 28, and with a medical certificate up to week 36 on domestic flights, though exact limits vary by airline. The insurer's limit for covering pregnancy complications is a separate figure you must confirm directly at quote time, since it doesn't always match the airline's.
Common mistakes when insuring a trip during pregnancy
- Assuming pregnancy automatically excludes all medical coverage, when in fact other, unrelated emergencies are still covered.
- Not declaring the pregnancy at purchase, which can complicate a related claim.
- Not checking the insurer's accepted gestational week limit before booking the trip.
- Confusing the airline's limit with the insurer's limit; they're two separate checks.
How Assist-365 responds
Assist-365 provides 24-hour medical assistance covering general medical emergencies during the trip, with a provider network in more than 200 countries. Specific pregnancy coverage terms, like the gestational week limit and exactly which complications are covered, should be confirmed directly at quote time, since a fixed limit should never be assumed without verifying the chosen plan.
Get a quote in minutes with Assist-365 and apply your discount.
Frequently Asked Questions
Does travel insurance cover delivery if the baby is born during the trip?
Generally no, planned or not; it covers unexpected pregnancy complications up to the gestational week each plan defines.
Up to what week of pregnancy can I buy travel insurance?
It varies by insurer; confirm the exact gestational week limit for your specific plan at quote time.
Do I need to declare that I'm pregnant when buying the policy?
Yes, declaring it avoids problems with a pregnancy-related claim during the trip.
Does the insurance cover other medical emergencies unrelated to the pregnancy?
Yes, the policy's general medical coverage still applies to illness or accidents unrelated to the pregnancy.
