YOU ASK:

Can I get travel insurance if I am a 30-week pregnant woman?

WE ANSWER:

Okay, so you are pregnant and would like to travel, perhaps to relax before you get into the business of giving birth to a baby, as well as recover from the delivery and getting to work of taking care of the baby.

First off, there are many modes of transportation that highly discourage travel when you are 30 weeks pregnant. However, there are still a number of options so that you can indulge in some rest and recreation. For one, you can request your doctor to vouch for your ability to travel safely. You can also travel by land.

Having said that, it is important to schedule your travel way before you are due. You see, insurance companies consider pregnant travelers as high-risk customers. This is because your pregnancy means that it is more likely that you will need to cancel your trip, to avail of medical treatment or that you will require repatriation or evacuation back to your country. This is especially true when you are already in the third trimester of your pregnancy, where it is very possible that you can give birth prematurely.

This means that travel insurance applications of those who are 30-weeks pregnant (or more) may be likely rejected by the insurance company. Or else, they may agree to cover you at a high premium, or with a long list of exclusions attached to the policy.

In general, insurance companies do not cover pregnant women except when she is able to make the trip (and return) at least eight weeks before she is due to give birth. In any case, you need to check the policy to determine up to what extent you enjoy insurance coverage.

If you really need to travel, be sure to determine not just insurance restrictions but flight restrictions as well. You should also know which countries to avoid (meaning, which countries have a possible outbreak or pandemic) and which countries require medications or vaccinations. It is also important to get your doctor's opinion as to whether you are truly fit to travel. When he pronounces that you may travel, you should also request for a certification or letter that states you are healthy and fit to travel.

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