Pregnancy is definitely one of the most momentous occasions for a woman. As such, most mothers-to-be would want to have a much needed and recommended rest and relaxation moment prior to the big day. This 'R and R' can be to reduce the stress of child birth in the near future, or simply to enjoy since after child-birth, a mother's main focus would be in taking care of her child, and leisurely activities may be not be as possible as before. Thus, most pregnant women opt to travel than do anything else. The first and third trimesters are the most risky times to travel, with the latter posing the highest risk due to early labor. The second trimester is usually the safest and most recommended time for pregnant women to travel. Travel methods include driving by car and riding by train, ship and airplane. The first three methods pose the least risk to pregnant women, while riding an airplane is the riskiest. The pressurized air inside an airplane may cause certain problems or complications to a pregnant woman, especially if she's nearing her delivery date. This is where pregnancy travel insurance comes in.
Normal travel insurances usually do not cover pregnancy or giving birth. This is because pregnancy is not considered as a medical condition unless you had previous complications or problems with giving birth. Thus, if you want to travel when you are already ahead in your months, it is recommended that you purchase a pregnancy travel insurance. With this, you have to pay extra since pregnant women are considered "high risks", meaning, the chances of you requiring emergency attention is greater than others. However, with this type of insurance, you are assured that you and your baby are taken care of in your trip. This removes the unnecessary burden of wondering what would happen to you if in case you gave birth while traveling or while you are in another country. After all, who would want to be whisked off to a foreign hospital with a huge stack of bills if they can avoid it? Now, if you're thinking of travelling and purchasing pregnancy travel insurance, here are some pointers for you.
First off - verify the travel risks and requirements. Different airline companies have different policies when it comes to pregnant women. Some will allow women to travel only until their 27th or 28th week. That's around the seventh month of pregnancy. There are some, however, who allow pregnant women to travel until their 36th week for pregnancies without complications, and until the 32nd week for those carrying twins. Know the insurance policy for this if in case you have to cancel your flight due to these restrictions. You may also want to check if the airline will require you to get a doctor's certificate that you are allowed to travel. Most airlines require this after the 28th week of pregnancy. Thus, it's best that you know how many weeks you have been carrying before travelling, and how far you'll be when you get back. Knowing this is essential since there are insurance companies that only allow coverage if you applied at most 8 weeks prior to giving birth. This allows you to plan the dates of your flights.
Second - verify the health risks and requirements. Whether it's your first, second or third child, it's best that you know the health ramifications of your travels. If you have pregnancy complications, ask the insurance company if these are covered and to what extent. Consult with your doctor if there are vaccines that you need to have prior to travelling to a certain country. Search if there are hospitals in the country where you're going to that honors or recognizes your insurance, if in case you go into labor while you're abroad. Some hospitals won't admit you to their facility unless they know that you're financially capable, and you don't want to be questioned about that when you're in labor. In addition, check with the insurance company if it covers the needs of the baby after delivery. Knowing all of these will ensure that your travels are safe and worry-free. Be sure to check your indexed universal life insurance as all this may already be covered.