Travelling with your family, like most things with children in tow, takes a bit more planning than when it was just the two of you and if you're pregnant, there's even more to consider.
Surprisingly, travel insurance can actually be one of least burdensome aspects of planning your trip. It's relatively cheap and easy to arrange and could save you thousands of pounds in unexpected medical costs or re-purchasing all your belongings.
All the equipment you may need like car seats and pushchairs can be covered under the baggage clause or within a car hire policy. If you're pregnant, it's often perceived that insurance is difficult to put in place and expensive however, in reality, it's normally straightforward.
If you're experiencing a normal pregnancy, then there's nothing to worry about, you can be covered immediately.
If you've had some complications, don't worry, the insurance company will just need a few details and then decide if they can cover you and at what price. If your baby is born abroad, and you suffer complications, then the cost of delivery will be paid for by your insurer.
A normal birth is not a complication so will not be covered but in countries with a reciprocal medical provision (Most European countries and Australia), the majority of cost of the birth will be covered if you are cared for in a health service hospital rather than a private hospital. You should take your free European Health Insurance Card (EHIC) with you to save time and money. It's worth bearing in mind that a premature baby is not always considered a complication and so may not be covered.
You may also want to check details regarding how long your travel companions will be put up in accommodation by the insurance company for too.
Insurance companies will allow you to travel at any stage of your pregnancy but airlines and other operators may have restrictions so it's worth checking directly with them, especially for your return leg.
Family insurance Services is a specialist insurance broker for family policies, so if you're pregnant with your first child or have had all your children, if you're travelling with grandparents or going on a round-the-world adventure, they will source the best policy for you at the best price.
Reasons to Purchase
- Avoid costly medical costs
- Avoid paying for extra travel costs due to cancellations etc.
- Avoid having to pay for extra accommodation if one of your party needs to stay on in hospital
- Experience peace of mind while abroad
1. What is usually covered by travel insurance?
All policies differ as to what is covered and to what extent however they usually cover cancellations and delays to travel, baggage, personal belongings, personal injury and medical cover.
2. What is usually NOT covered?
Again, these will differ for each insurer but the following are frequently excluded: existing medical conditions, extreme or dangerous sports, drug and alcohol related incidents, unattended baggage, travel to dangerous countries or zones.
3. What is an excess?
Excess is an amount you contribute towards the claim, the remainder will be paid for by the insurance company. For example, if your flight is cancelled and you have cover up to £2000 with an excess of £250, you will receive £1750 from your insurer.
4. Can I get travel insurance while pregnant?
Yes. All normal pregnancies are covered by insurers. Any complications with your pregnancy may not be covered but you will still have some level of travel insurance. Whilst away, any normal delivery will not be covered by your insurance, only complications with a birth and delivery will be. It's worth checking with one of our advisers at Family Insurance Services for the most suitable policies if you're pregnant or plan to travel while pregnant.
5. Will car seats and pushchairs be covered by travel insurance?
These will be covered under baggage if you're taking them with you. Any car seats you hire will be insured with the hire agreement if you take out an insurance policy with them.
6. Will medical costs be covered?
Yes. General medical costs will be covered if you become ill while away. It's worth checking your policy for exclusions. Most insurers will not cover any existing medical conditions or previous serious illnesses for example.
7. Can grandparents be covered on a family policy?
Yes. However age and health has an impact on price. It may be cheaper to get a different policy for any grandparents travelling. This could mean however that as there are separate policies any companions will not be accommodated by the insurance company. It may therefore prefer to get one policy together so you can all stay together.