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Insuring your next holiday while in pregnancy
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Posted On :
Jun-30-2009
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Article Word Count :
438
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Any kind of foreign travel requires some kind of travel insurance, but those travelling while pregnant need to be sure that they have as much travel health insurance in place as possible.
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Any kind of foreign travel requires some kind of travel insurance, but those travelling while pregnant need to be sure that they have as much travel health insurance in place as possible. Here we take a look at some travel insurance tips for expectant ladies.
Your due date is a determining factor when it comes to the price of your travel insurance. Statistically your safest period for travel is during your tenth to twentieth week of pregnancy, as the risk of complications is at a minimum.
Insurers term the third trimester as being their highest risk period of travel. In medical terms, the riskiest time to travel is actually during the first ten weeks of pregnancy, but the risk to insurers is higher in the third trimester due to the increased likelihood of you requiring treatment for labour or for repatriation.
If you have a document from your GP that states tat you are fit enough to do so, you are likely to be able to travel on most airlines until you are 36 weeks pregnant. If you have had any complications with previous pregnancies, then this may drop to 28 weeks. Insurers, regardless of your level of health, are not likely o insure you if you are more than 28 weeks gone.
Some health insurance and even credit card policies come with some travel insurance included, and so taking a look at any of your existing policy details as these may show that you need less cover than you first expected.
Shopping around for insurance is really the only way to find the best deal. The more insurers you obtain quotes from, the more informed a choice you can make about policies. The internet is a great tool for comparing many insurers at once, so make use of the many handy price comparison websites.
If you do need to travel during the latter stage of your pregnancy, then you may find it very difficult, or very expensive, to obtain insurance from mainstream providers. However, specialist insurers are available and it is worth obtaining a quote from them. It may not be the cheapest cover on the market, but it could be your only option.
When you find an insurance policy that you like the look of, always check the small print as many insurers state pregnancy and related complications as exclusions in many parts of their policies. The most common exclusion to look out for is that the insurance will not stand if the pregnant woman in question does not return home before her last 8 weeks of pregnancy.
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Article Source :
http://www.articleseen.com/Article_Insuring your next holiday while in pregnancy _1450.aspx
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Author Resource :
For great deals on holiday insurance including annual travel insurance with cancellation cover up to £5,000, visit AA Travel Insurance.
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Keywords :
travel insurance,
Category :
Finance
:
Insurance
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