Travel During Pregnancy: What Does Travel Insurance Cover? | Allianz Global Assistance

Some of the most frequently asked questions we receive at allianz global assistance have to do with traveling during pregnancy. While most pregnant women can travel safely and without incident, complications sometimes arise and clients wonder “what does travel insurance cover?”

Here’s the quick answer: Travel insurance may cover certain situations resulting from unforeseen pregnancy complications or a pregnancy that occurs after you’ve purchased your plan. travel insurance generally does not cover trip cancellations or other travel losses resulting from a normal pregnancy.

Reading: Travel insurance pregnancy

Like any other type of insurance, travel insurance includes specific coverage definitions and restrictions. Please read your agreement carefully and if you have any questions about coverage, please call. pregnant women should consult their doctors with concerns and questions about safe travel.

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If you are pregnant or could be pregnant soon, it is advisable to protect future trips. maximize your coverage period by purchasing travel protection as soon as possible. our most popular plan is onetrip prime, which includes significant benefits for trip cancellation/interruption and medical emergencies.

Keep reading for an in-depth guide to travel and pregnancy insurance from allianz global assistance.

pregnancy complications: what does travel insurance cover?

You’re in your first trimester of pregnancy and feeling fine, until you start feeling nauseous a week before you have to fly to New York on business. Her doctor diagnoses her with hyperemesis gravidarum, a severe and severe form of morning sickness, and she ends up in the hospital on the day of her scheduled flight. Can travel insurance reimburse you for a canceled trip?

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yes. allianz global assistance travel insurance can cover losses resulting from unforeseen complications of pregnancy, such as pre-eclampsia, gestational diabetes or hyperemesis gravidarum. That means your travel insurance can reimburse you for lost non-refundable travel costs if you must cancel or cut your trip short due to pregnancy complications. the illness, injury, or medical condition you are experiencing must be disabling enough for a reasonable person to cancel your trip, and a doctor must advise you to cancel. for example, normal morning sickness would not be a covered reason for trip cancellation. When filing a trip cancellation/interruption claim related to a pregnancy complication, you will need documentation from your doctor.

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all allianz global assistance travel insurance plans include access to 24-hour emergency assistance. If you experience a medical emergency while traveling, or any other issue, contact our hotline by phone or the TravelSmartTM app for quick assistance. If your plan includes emergency medical benefits, your insurance may reimburse you for the cost of emergency medical care you received for covered pregnancy complications while traveling.

Please note that travel insurance does not cover the possibility that a complication could occur. For example, if you had a premature delivery in your first two pregnancies, your doctor may advise you to cancel the trip to Paris that you planned for the sixth month of your third pregnancy. however, this is still considered a normal pregnancy because no complications have been diagnosed. travel insurance would not cover trip cancellation.

surprise pregnancy and trip cancellation

You and your spouse are planning a week-long European river cruise to celebrate your third anniversary. tickets are hard to come by, so book your trip a year in advance. she schedules her flights and buys her travel insurance, and two months later, she finds out she’s pregnant. Will travel insurance cover the cancellation of your trip?

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In some plans, allianz global assistance lists pregnancy as a covered reason for trip cancellation if you find out you’re pregnant after purchasing your policy. In order for your trip cancellation to be covered, you will need to provide medical records verifying that the pregnancy occurred after that date. check your policy documents for your specific plan coverage. And if you’re planning a trip now, don’t wait to buy travel insurance! get a quote today.

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