Getting holiday insurance when you’re pregnant

When you, or someone you’re travelling with is pregnant, you’ll want to make sure you have the right level of cover.

With our tailored policies, you can feel assured that you’re covered if something unexpected happens.

Find out more about getting holiday insurance when pregnant and talk to us today on 0800 033 4902 or get a quick quote online.

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Do I need to declare my pregnancy for travel insurance?

Pregnancy isn’t classified as a medical condition, which means that you don’t need to declare it when getting your travel insurance.

But, if you have a pre-existing medical condition, or a pregnancy related condition like high blood pressure, then you’ll need to declare those conditions.

Declaring all of your conditions means that if something goes wrong while you’re away, you’ll have complete peace of mind.

Conditions of cover for pregnant women:

If you’re pregnant, there are a few conditions that you’ll need to fulfil. If you don’t fulfil all three of the below statements, then your travel insurance policy could be invalid. If you’re worried about any of the below, call us on 0800 033 4902 to speak to our customer service team.

Please check this list and make sure you can say yes to each one:

 You are not intending to give birth while away

 You are fit to travel in the opinion of your doctors or midwife

 The airline carrier has authorised travel to and from the destination.

What restrictions are there on flying when pregnant?

If you’re pregnant, airlines are likely to need to see a Certificate of Fitness To Fly from your GP or treating specialist, especially if you’re planning on flying after 28 weeks.

The certificate will need to be dated at no more than 10 days before you fly to make sure it’s a recent opinion. It should include information to say you’re in good health, are expected to have a normal pregnancy with no complications and the date of your expected delivery.

If you are expecting medical complications with your delivery, then the airline may also need additional medical clearance to say you’re fit to travel.

Gurgle have compiled a helpful guide with 48 airline policies for pregnant women.  It’s best to check directly with your airline too in case their policy has been updated.

What complications with pregnancy are covered with travel insurance?

The following conditions are seen as complications with pregnancy. The below list could be covered as unforeseen medical emergencies as part of all of our travel insurance policies:

  • Toxaemia
  • Gestational hypertension
  • Pre-eclampsia
  • Ectopic pregnancy
  • Hydatidiform mole (molar pregnancy)
  • Post-partum haemorrhage
  • Retained placenta membrane
  • Placental abruption
  • Hyperemesis gravidarum
  • Placenta praevia
  • Stillbirths
  • Miscarriage
  • Medically necessary emergency Caesarean sections/medically necessary termination and any premature births more than 8 weeks (or 16 weeks in the case of a known multiple pregnancy) prior to the expected delivery date.

If any of the above complications are certified by a doctor who declares it necessary to cancel or cut your holiday short or that you need urgent medical attention, then they could be covered as part of your policy.

You can review our latest policy documents to understand what we can cover here.

What if I have an unexpected, yet healthy birth while on holiday?

If you have a normal pregnancy and give birth while on holiday – that was not caused from any of the complications listed above – then it would not be covered as part of your travel insurance.

Although it may be a shock if you weren’t expecting it to happen at that time, giving birth without complications when you’re pregnant isn’t an unexpected event.

Our travel insurance is designed to give you peace of mind for unforeseen circumstances, accidents and diseases.

I previously had a pregnancy related condition, do I need to declare it?

If you have previously had a pregnancy related medical condition such as one of the following speak to one of our friendly agents on 0800 033 4902 who will guide you through it.

  • Miscarriage
  • Premature labour and birth
  • Preeclampsia
  • Low amniotic fluid
  • Gestational diabetes
  • Ectopic pregnancy
  • Placenta previa
  • Any other symptoms or diagnosis which you have been told could affect natural birth.

Will my European Health Insurance Card (EHIC) cover me?

For holidays and trips to Europe, it’s a condition of our insurance that you get an EHIC.

Having a free EHIC allows you to have subsidised or free healthcare in most European countries when using their state healthcare provider – like our NHS.

EHIC also doesn’t cover other things that can go wrong, like having to cancel your holiday, or having to pay for emergency medical transportation home that may, or may not be related to your pregnancy.

What it can do, is help to reduce your potential medical costs where subsided healthcare is available. But using your EHIC isn’t a substitute for good travel insurance.

If you can use your EHIC and you’ve still had to pay a subsidised fee for healthcare, we’ll remove the excess fee for medical emergency claims.

What are the features of Staysure’s travel insurance?

Basic Comprehensive
  • Medical emergencies and repatriation up to £5m
  • Cancellation and cutting your holiday short covered from £500 with optional upgrade to £3,000
  • Baggage claims up to £300
  • Cash lost or stolen up to £250
  • Excess £85 – £100
  • Medical emergency and repatriation up to £10m
  • Cancellation and cutting your holiday short covered from £5,000 up to £15,000
  • Baggage loss up to £2,500
  • Cash lost or stolen up to £500
  • Legal protection cover of up to £25,000
  • Excess £65

Take a look at our policy documents for a more detailed look at the level of cover we offer.

What if I need to find a health centre that I can trust?

Not knowing where your nearest health centre is while on holiday can be really worrying.

Would you know which one can you trust? When you have a medical non-emergency and need to speak to a doctor, we’re on hand to help you find the right place to go.

You can call our medical emergency helpline 24 hours a day – which is particularly helpful when you’re in a different timezone!

We can also act as a translator between you and your doctor and medical team to make sure that nothing gets lost in translation.

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How can I make changes to my policy?

If something changes before you go on holiday, you’ll need to let us know.

This includes new pregnancy related conditions that you’re diagnosed with — or when you need to add a new person to your policy!

What we aren’t able to do is reduce coverage in return for a partial refund so please do check that you’re happy with the level of cover when you book.

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Get a quote in minutes online or speak to us on 0800 033 4902.

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