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Is Your Pregnancy Covered by Travel Insurance?

When you’re pregnant, travel insurance becomes more important than ever if you plan on taking a baby moon or any sort of trip soon. You want to make sure that, in the unfortunate event that you experience any unforeseen issues, your medical assistance will be covered. According to most medical professionals, pregnancy shouldn’t stop you from traveling. In fact, anytime up until the final month—unless you expect to deliver early—you should be good to travel. If you feel comfortable, don’t put your trip on hold for an entire nine-month period! 

That said, pregnant or not, we can never really know what’s going to happen for each of us health-wise. That’s why we abide by the “better safe than sorry” motto in regard to travel insurance. We’d rather be covered by travel insurance just in case instead of racking up a huge hospital bill in a different country. Read our other blog post on why travel insurance is a good idea for a better reference. 

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If you agree with this, you’re probably wondering if there’s even travel insurance for pregnancy to begin with. Here are the main things you need to know: 

blue outline of arrow pointing right Is pregnancy a pre-existing condition under travel insurance?

Most policies would not cover pregnancy events. Is your travel dependent on whether or not you suddenly become pregnant? Some comprehensive travel insurance does include Trip Cancellation coverage if you find out you’re pregnant after the plan’s effective date. Not all insurance plans have this type of trip cancellation coverage so make sure you’re reading the fine print or reach out to one of Yonder’s friendly team of representatives for a policy recommendation! Don’t forget to check out other top travel insurance questions on our Travel Insurance FAQ page.

pregnant woman standing on water

Because “normal” pregnancy and childbirth are considered to be expected events, most travel insurance plans don’t cover them. “Normal” pregnancy and childbirth are those without medical complications such as extreme pregnancy-related illness or premature labor. So if you opt to travel within the month leading up to your due date and you have the baby in another country during that time, your birth expenses likely will not be covered by insurance. 

That said, if you encounter any unexpected complications that result in an emergency birth, your travel insurance plan may cover costs related to the pregnancy complications. If you do buy a travel insurance plan regardless, you’ll have access to a 24/7 emergency assistance team to help locate the nearest medical facility and offer medical monitoring services to make sure you’re getting adequate care.

man and partner who is pregnant standing in a field

blue outline of arrow pointing right Opt for Cancel for Any Reason coverage

If you’re pregnant or think you might become pregnant before you travel, a good foolproof option is buying Cancel for Any Reason coverage. You never know how you’ll be feeling during your pregnancy when your departure date arrives, especially if it’s a few months out. Having this additional insurance coverage will give you peace of mind in case you’re ill or just downright exhausted–you can call off your trip, get reimbursed for 75% of your prepaid payment, and reschedule it for a later date when you can really make the most of your trip–maybe with your new baby!

Do you have any tips for expecting mothers who are traveling? Share them with us on Facebook, Instagram or Twitter!

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