Holiday insurance and pregnancy

Pregnancy is not a reason for a woman to avoid traveling abroad, but it is very important to take adequate vacation insurance. There are many different opinions about the best and safest time for a pregnant woman to travel. It is widely believed that the first trimester (first 12 weeks) is not the ideal time to plan a trip because the mother may experience morning sickness, fatigue, and other symptoms.

The second trimester is a time when most women opt for vacation and let’s face it, if this is a woman’s first pregnancy, it could be the last chance for a truly relaxing vacation for many years to come!

The third trimester is not a good time for a pregnant woman to travel for many reasons, including the risk of early delivery – perhaps even during flight.

There’s no reason not to plan a romantic trip for two (still not counting juniors) or some luxury and lust in a spa. Experienced parents already know that once a baby arrives, bags for a future vacation will include nappies / diapers, baby paraphernalia and a crying baby – don’t talk about scouting sorry (sympathetic) fellow passengers!

Take care when choosing the best time to travel, as well as the right destination. The number one priority is to ensure that the mother and baby are not exposed to unnecessary stress or risk. It is possible to take vacation insurance while pregnant, but read the policy terms carefully.

It is important to choose an intelligent vacation destination when you are pregnant. This remote tropical island with palm-stalks may look ideal in travel brochures, but will their local hospital deal with the complexities of labor and delivery in the early stages? The cost of air ambulance transfer to access specialized care in another country would be extremely high. In addition to the potential risks to mother and child, there are complications associated with such transfers, such as obtaining the necessary visas and travel permits. Without adequate holiday insurance and expert assistance, it is a total nightmare to choose to create such a situation.

Taking vacation insurance for a complex single pregnancy should not be a problem, but be prepared for discreet restrictions and cut-off periods after which traveling will not be considered wise. Most airlines and travel companies refuse to accept responsibility when a pregnancy reaches a certain stage, which may vary between companies.

Citizens of EU member states should obtain a (free) European Health Insurance Card (EHIC) when traveling to other EU countries that have mutual financial care plans. However, for many reasons EHIC should never be used as a substitute for extensive travel. For one, EHIC may cover hospital expenses but does not cover very expensive emergency medical repatriation if it becomes necessary. It also does not include lost luggage or travel documents, cancellations or cartels (cutting your vacation) and many other common travel accidents. It is important to keep stress to a minimum while pregnant, so always have both travel insurance and EHIC travel for peace of mind.

Check your aircraft’s pregnancy policy before you book and pay for travel, as the right to refuse travel is usually reserved after most cut-offs (usually in the 28th week of pregnancy). You may need to make a fit-to-fly letter from your doctor or midwife. Also check to see if you will be out of the flight cut-off date on your return trip, especially when booking long-term vacations. If you go on a package vacation, tell the booking agent about your pregnancy so they can check the pregnancy policy of the charter airline.

Choose vacation insurance that covers pregnancy and includes adequate medical cover as well as medical repatriation. The rules for returning to your country before the expected delivery date are for any reason. It is very important to comply with your holiday insurance terms as per the policy, as it may deny claims related to its failure.

Check with your doctor in advance (and before you book) it is safe to travel and safely get the necessary vaccinations. If you already have an annual travel insurance policy in place, call your insurer to report your pregnancy and make sure the cover is not affected.

Cancellation of your leave without adequate leave insurance or spending money for emergency medical care in a foreign hospital as well as repatriation can result in financial loss. No one other than you, including your consulate or embassy, ​​is responsible for this bill. Parents naturally want their children to have every possible benefit in life and juniors will thank you for being smart when it comes to paying college tuition fees!