When travel bliss turns to baby bliss – ensure you’re covered. Before or after you've booked that dream holiday, pregnancy can create some unexpected twists and turns with your travel plans, but that doesn't mean you can’t prepare and still have an amazing trip with Cover-More pregnancy cover.
Ensuring you have adequate pregnancy cover is important, and easy with Cover-More’s flexible travel insurance policies. All Cover-More Travel Insurance policies offer free cover for any unexpected serious complications up to the 26th week of pregnancy, provided you were unaware you were pregnant when you purchased the policy.
If you know you’re pregnant before you take out cover, you will need to apply for extra cover if:
Should either of these two scenarios apply to you, simply complete an online medical assessment with a registered Cover-More agent or your travel agent, or go online to the Cover-More website for a pregnancy cover quote. In most cases, we’ll tell you the outcome straight away and you’ll then need to pay an additional premium to confirm cover. However, it’s important to be aware that limitations apply to everyone – there is no cover for childbirth or the health of a newborn child, regardless of the stage of pregnancy at which your child is born. Also important to note: once you reach 26 weeks, pregnancy cover switches off completely. For this reason, expectant mothers should consider if our products are right for them when travelling after 20 weeks into their pregnancy, as costs for neonatal care overseas can be expensive.
Whether you are currently pregnant or planning to be, make sure you discuss your travel plans with your doctor, so they can advise you on any specific medical issues you should be prepared for. Destination choice should factor in your pregnancy, especially the standard of medical care available outside Australia. Some countries can have extremely unreliable medical services or very basic facilities. Don’t travel to areas where malaria is present as pregnant women are more susceptible to infection than others and an infection can lead to serious side effects, even death.
Consider taking a basic medical kit that includes oral rehydration preparations; though anyone can get traveller’s diarrhoea, but the implications may be more serious when pregnant. Some commonly prescribed diarrhoea remedies may also be dangerous when taken during pregnancy. Finally, use common sense when travelling to ensure safety. Drink bottled, boiled or purified water and double check that food has been cooked properly – no one wants their holiday interrupted by constant dashes to the bathroom!
You should also be aware that problems associated with morning sickness are not claimable under insurance, since this does not meet the definition of a ‘serious unexpected pregnancy complication’.
Some travel activities are best avoided while pregnant. The Victorian Government Better Health website gives some useful guidance on what not to do, including waterskiing, scuba diving, saunas and hot tubs, and high altitude activities.
Finally, you should be aware that all airlines have restrictions on when they’ll allow you to fly if you are pregnant, the timing of which may vary depending on who you choose to fly with. It is important that you check before you book. If you are showing, it is a good idea to carry a fit-to-fly certificate from your doctor that is recently dated (i.e. within the last month), even if you are well under the airline’s cut-off point.
Many travel agents are now offering special Babymoon packages that include things like prenatal massage. While a great idea, consider a domestic travel option, which is an increasingly popular choice for travellers who want the creature comforts of home. And because you are still in Australia, you have access to Medicare to assist in any routine pregnancy-related medical expenses that may not be covered under your insurance policy. Speak to your travel agent to find out more.
If unsure about any aspect of your cover, speak to a Cover-More representative who will be more than happy to help. Always consult your doctor to make sure you are informed and prepared.
Our emergency assistance team is available 24/7 so don’t hesitate to give us a call on +61 (2) 8907 5619, or if in Australia, 1300 72 88 22 for any concerns whilst you are on your trip. Most importantly, enjoy yourself and have a great holiday!