“Can I have travel insurance while I am pregnant?”
I believe this is a question commonly asked by pregnant ladies who might want to do some refreshing before giving a birth. First of all, there are many means of transportation that pregnant women should not ride on. However, you can always ask for your doctor’s recommendation letter which states that you are healthy enough for traveling. For safety, you might choose land travels anytime possible.
Considering the risks they may encounter, most pregnant women should plan their travels very carefully. As we know it, insurance companies do not easily approve insurance applications for pregnant travelers because they are regarded as high-risk customers. What they anticipated is that pregnant women may cancel their trip, or must go back to their home country for medical treatments. These cases are very frequent, especially when they reach their third semester pregnancy (this period is common with premature births). It’s the reason why pregnant women over 30 weeks may have their travel insurance applications rejected by insurance companies.
Generally, insurance companies will not cover pregnant women who are going on trips, except they can travel in very short time and return at least 8 weeks before giving birth. However, there’s a chance that applications might be approved by paying high premiums, or several terms and conditions added to the insurance policy. Therefore, check cautiously your travel insurance policy and make sure you understand the coverages you get.
If you urgently have to do travels, you ought to know the countries to avoid, and certain countries which may be having a certain plague or disease outbreaks that compels you to be vaccinated (and consume some drugs). Last but not least, ask for suggestions from your doctor, whether you are totally healthy to do travels. Ask your doctor for a recommendation letter which states that you are strong and healthy enough to do travels, if s/he believes that you can do trips safely.