Normal Childbirth would not constitute an unforeseen medical emergency.
We provide cover under this policy if something unexpected happens. In particular, we provide cover under the Emergency Medical and Repatriation Expenses section for accidental bodily injury or illness. We don’t consider pregnancy or childbirth to be an illness or accidental bodily injury.
To be clear, we only provide cover for Cancellation, Curtailment and Emergency Medical and Repatriation Expenses for claims that come from Complications of Pregnancy and Childbirth.
Complications of pregnancy and childbirth only includes the following:
- Toxaemia (toxins in the blood)
- Bicornuate uterus
- Gestational diabetes (diabetes arising as a result of pregnancy)
- Gestational hypertension (high blood pressure arising as a result of pregnancy)
- Pre-eclampsia (where you develop high blood pressure, carry abnormal fluid and have protein in your urine during the second half of pregnancy)
- Ectopic pregnancy (a pregnancy that develops outside of the uterus)
- Foetal Growth Retardation due to Placental Insufficiency
- Molar pregnancy or hydatidiform mole (a pregnancy in which a tumour develops from the placental tissue)
- Post-partum haemorrhage (excessive bleeding following childbirth)
- Retained placenta membrane (part or all of the placenta is left behind in the uterus after delivery)
- Placental abruption (part or all of the placenta separates from the wall of the uterus)
- Hyperemesis gravidarum (excessive vomiting as a result of pregnancy)
- Obstetric cholestasis
- Placenta praevia (when the placenta is in the lower part of the uterus and covers part or all of the cervix)
- Stillbirth
- Miscarriage
- Emergency Caesarean section
- A termination needed for medical reasons
- Premature birth more than 8 weeks (or 16 weeks if you know you are having more than one baby) before the expected delivery date
We will not cover denial of boarding by your carrier, so you should check that you will be able to travel with the carrier/airline in advance. If at the time of booking your trip you are aware that you are pregnant, you must ensure that you are able to have the recommended vaccinations and inoculations by the UK government for that trip; no cover will be provided for cancellation in the event that, after booking you discover travel is advised against, or you are unable to receive the appropriate and recommended vaccinations and inoculations for that country.
Please make sure your Medical Practitioner and Midwife are aware of your travel plans, and that there are no known complications and you are fit to undertake the planned trip
Both our single trip and annual travel insurance policies will cover you to travel up to 8 weeks before your due date of a single pregnancy, for a multiple pregnancy up 16 weeks before your due date. Our single trip pregnancy travel insurance will provide cover for individual trips up to 94 days, or if you travel regularly our annual cover could be more cost effective, providing cover for an unlimited number of trips in a year, up to 31 days each trip.
There is no need to declare that you are pregnant when you buy your travel insurance policy, and there is no extra charge, we know that it isn't a medical condition. However, if you have any complications or medical conditions which may or may not be related to your pregnancy, you must declare these when you buy your policy, or at the time you become aware of any issues to ensure that you have appropriate cover.
For more top tips, visit our page on travelling when pregnant.
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