Insuring your next holiday while in pregnancy

Your due date is a determining factor when it comes to the price ofyour travel insurance. Statistically your safest period for travel isduring your tenth to twentieth week of pregnancy, as the risk ofcomplications is at a minimum.

Insurers term the third trimester as being theirhighest risk period of travel. In medical terms, the riskiest time totravel is actually during the first ten weeks of pregnancy, but therisk to insurers is higher in the third trimester due to the increasedlikelihood of you requiring treatment for labour or for repatriation.

If you have a document from your GP that states tatyou are fit enough to do so, you are likely to be able to travel onmost airlines until you are 36 weeks pregnant. If you have had anycomplications with previous pregnancies, then this may drop to 28weeks. Insurers, regardless of your level of health, are not likely oinsure you if you are more than 28 weeks gone.

Besides timing your holiday so that you travel duringyour 2nd trimester, there are other things that you can do control thecost of your travel insurance. If you have any existing insuranceproducts, particularly private medical insurance, or even a creditcard, read through your policy details carefully. It could be that youare already partially, or fully, covered for overseas travel.

Looking for cheap insurance may be difficult,particularly during the latter stages of pregnancy, but there are a lotof insurers out there, and it is worth applying to as many as possiblefor quotes. Many insurers offer their cheapest rates to onlinecustomers, so use the internet to your advantage, including thoseuseful price comparison sites.

While avoiding any trips while in the last stages ofpregnancy is always advised, sometimes travel during this period is anecessity. In this case, finding a travel insurance policy is alwaysmore difficult, and more expensive. Some of the larger insurers will bewilling to write up a specialist policy to meet your needs, or youcould try a specialist insurance broker who may be able to offer you aslightly cheaper quote.

Most travel insurance policies have exclusionsrelating to pregnancy, and so it is always vital that you read thesmall print. You are most likely to find a cause that deems theinsurance invalid if you do not return home at least eight weeks beforeyour due date.

If you have a document from your GP that states tatyou are fit enough to do so, you are likely to be able to travel onmost airlines until you are 36 weeks pregnant. If you have had anycomplications with previous pregnancies, then this may drop to 28weeks. Insurers, regardless of your level of health, are not likely oinsure you if you are more than 28 weeks gone. 

Besides timing your holiday so that you travel duringyour 2nd trimester, there are other things that you can do control thecost of your travel insurance. If you have any existing insuranceproducts, particularly private medical insurance, or even a creditcard, read through your policy details carefully. It could be that youare already partially, or fully, covered for overseas travel.