While you don’t need to tell us if you are pregnant, you should be aware of the following if you are pregnant, or are expecting to become pregnant during the term of insurance.
Pregnancy is not considered a medical condition and does not need to be declared, you also don’t need to tell us about any pregnancy related medical conditions, that you’ve had a miscarriage or if you’re undergoing IVF treatment (in vitro fertilisation).
If you have pregnancy complications at the time of purchase (or time of booking your trip, if later), you can still be insured but the following terms apply
You won’t be covered if you need to cancel your trip for any reason directly or indirectly connected to the pregnancy complication that was known to you at the point you purchased your insurance or booked your trip.
You’ll need to have a ‘Fit To Fly’ letter prior to any trip for cover to be valid while you travel.
You will be covered if, unfortunately, you’re unable to travel due to a new pregnancy complication (for example pre-eclampsia, placenta previa or a miscarriage), and need to cancel your trip.
You will not be covered if, you’re unable to travel due to a pregnancy complication that had already been diagnosed prior to you purchasing your policy, or booking your trip (whichever is later).
You will be covered for emergency treatment for your pregnancy while travelling.
You will be covered if you give birth prematurely while travelling, up until the end of your 31st week (reduced to the end of your 23rd week for multiple pregnancies). Afterwards, you’ll only be covered for premature birth while travelling if it is directly caused by a covered bodily injury — for example, an accident that results in the premature birth.
You will not be covered for routine check-ups, scans, or recurrent prenatal medication. Cover only applies to unforeseen events, accidents, illnesses, and diseases during travel.
If you give birth while abroad, your child will automatically be covered for the rest of the trip, provided the mother’s cover is valid.
You won’t be covered if you travel against airlines rules, while you should check with your airline, in general the rules are:
For a standard pregnancy, you won’t be able to fly after the end of your 35th week of pregnancy.
For a multiple pregnancy, you don’t be able to fly after the end of your 32nd week of pregnancy.
Regardless of the type of pregnancy, you’ll need a ‘fit to fly’ note after the end of your 27th week of pregnancy.
You won’t be covered for any claim if you travelled against the advice, or instructions of a doctor, midwife or other medical practitioner.
You won’t be covered for any claim if you had a pregnancy complication and travelled without a ‘fit to fly’ note.
You won’t be covered for any cancellation claim relating to a pregnancy complication that was already known to you at the time of purchasing your policy or booking your trip, whichever is later.
If the Foreign, Commonwealth and Development Office (FCDO) advises against travel to certain areas, you won’t be covered. Check the FCDO for any travel warnings about areas impacted by conditions like Zika Virus.
Once you’ve given birth, you only need to tell us about pregnancy related medical conditions if they persist for more than six months afterwards (for example if you’re still being treated for diabetes more than six months after the birth, this would no longer be classed as pregnancy linked gestational diabetes, and would need to be declared).
If you had a miscarriage prior to purchasing the policy or booking your trip, whichever is later, and you develop an infection post-purchase, you are generally covered for cancellation, medical expenses abroad, and curtailment, as long as the miscarriage was not linked to an underlying medical condition and you're fit to travel at the time of purchase.
If you're travelling to a country with Zika Virus warnings, you’ll be covered as long as there’s no travel ban or advisory from the FCDO.
If your doctor advises against travel due to the Zika Virus, you can cancel your trip and be covered, but only if the doctor issues an unfit-to-travel report. If the doctor merely recommends not travelling but doesn't issue a formal statement, you will not be covered.
