General Advice Warning: The contents of this article were accurate at the time of writing. Insurers change their policies from time to time, so some information may have changed. You should always read the Product Disclosure Statement of your chosen insurer to understand what is covered and what isn’t. The information provided is of a general nature only and does not take into account any personal objectives, financial situation or needs. Before making a decision you should consider the appropriateness of the information having regard to your personal circumstances.
Pregnancy Cover Exclusions
It’s important to remember that exclusions apply to most policies. For example, even if you’ve found an insurer that covers your specific circumstances, you probably wouldn’t have cover if:
- you travel against doctors advice
- you have complications that exist with the pregnancy and didn’t declare them or obtain your insurers’ approval for cover
- your trip extends beyond the maximum weeks of pregnancy permitted (expectant mothers can still buy a standard policy after the maximum gestation limit; however they won’t be covered for anything related to the pregnancy)
- you went into labour, the childbirth or the health care of a newborn child is often excluded Some of these exclusions can be removed by paying an additional premium or completing a medical assessment.
What Are Pregnancy Complications?
A complication is known as a secondary diagnosis occurring prior to, during the course of, concurrent with, or as a result of pregnancy, which may adversely affect the pregnancy outcome. Each insurer will have different rules, but generally, you will need to declare these conditions. E.g:
- Toxaemia (toxins in the blood)
- Gestational diabetes (diabetes arising as a result of pregnancy)
- Pre-eclampsia
- Hyperemesis gravidarum (excessive vomiting as a result of pregnancy)
- Placenta praevia (when the placenta is in the lower part of the uterus and covers part or all of
the cervix)
- and more…
5 Tips For Travelling While Pregnant
While travelling when pregnant is considered safe during your first and second trimesters, it’s still a good idea to do some fact-checking and seek medical advice before you go. Here are some things to consider:
Destination: A remote island might be the ultimate in luxury but in some instances, not the best location for your babymoon. Consider locations with good road access, transport networks and access to medical facilities.
Activities: Depending on your energy levels your pre-baby getaway may be best spent unwinding and relaxing rather than taking part in sightseeing tours and physical activities. Mums-to-be on the adventurous side should be cautious about participating in activities like scuba diving, ice-skating, rock-climbing and amusement park rides. Certain sports and activities may not be covered by your travel insurer either. Speak to your doctor about the recommended activities before you book anything up front.
Local food and drink: A pad Thai from a street vendor might be exactly what you’re craving, but can you guarantee its freshness? Be cautious about food you suspect may not have been kept refrigerated or properly cooked through, and make sure the tap water at your destination is safe to drink as well.
Vaccinations and medication: Are you suffering from heartburn or morning sickness? Make sure you’ve got any necessary medications and vitamins packed in your case rather than relying on local pharmacies. Plan any vaccinations well in advance and make sure they’re suitable for you and bub.
What happens to you when you fly: Swelling and dehydration on a plane is common - especially for those that are expecting. Sitting on a plane for eight-hours can also put you at risk of deep vein thrombosis. Make sure you get some good stretches in every couple of hours (at least), drink heaps of water, wear comfy clothes (with room to move), and wear DVT flight socks! Remember if you’re over 28 weeks you will need a letter from your doctor saying you’re fit to fly.
Why Travel Cover Is Important When Pregnant
Having the right travel insurance for your holiday is always important, but especially so when you’re pregnant. Expecting a child makes you more vulnerable than the average traveller; your body’s immunity is lowered and your susceptibility to certain illnesses and infections is heightened. On the off-chance you do need to cancel your trip or require medical care abroad, travel insurance will have you covered provided you have declared any pre-existing illnesses.
Travelling while pregnant can be nerve-racking but hugely rewarding if done right. Having the right cover will allow you to put your feet up and enjoy some R&R before life as you know it changes forever.
Remember that benefits and exclusions will vary greatly from insurer to insurer, so it’s vital to make sure you read the small print before you head off on your hols.
