To not update travel insurance

[fr4zzledmum]

We've got a holiday booked for mid March 2024 and obviously have travel insurance booked.

Last week, I found out I was pregnant - only early days (4 weeks). As it's only early days, I was thinking of waiting until 12 weeks to update my insurance, but do you think it'll be more expensive the longer I leave it?

Most insurers (if not all) don't treat pregnancy as a medical condition. So no need to tell them. Just check the wording around how long they'll cover you for, I think none only covered me up to the 32nd or 35th week of pregnancy, but I think some have a lower limit.

Should say "mine covered me".

Without stating the obvious, if you wait you will not be covered if something goes wrong between now and then. And read the dmall print on the policy thoroughly.

But she’s not on holiday until March so she doesn’t need it until then

So I've read my policy and found this wording. So ieould take it that I'm covered if something goes wrong whilst I'm there or beforehand (that prevents me from going on holiday)?

You need to tell them in case you need to cancel the holiday. Always update your travel insurance and never keep anything from them.

And this in terms of their definition of complications:

So it basically means if you give birth anytime after 32 weeks or want to see a doctor for a general pregnancy check-up, you will not be covered.

If you suffer from any of the listed complications, you will be covered.

Where r u going? USA, get insurance! Europe, you’d be okay without.
personally I would just get an annual policy and pay the extra if there is extra.
DP has health conditions and the insurance is still only about £40 more than mine.

Many congratulations OP You have definitely got travel insurance in place before you knew you were pregnant? If so, I would inform the insurers just so it’s noted, but it shouldn’t make any difference to the policy. Should you wish to cancel due to pregnancy often this is covered too. We had a lovely holiday before we had our first DS. Fortunately my pregnancy was very straightforward, midwife and GP were fine about me going abroad I think I was about 5ths.

@Divebar2021 There are non- pregnancy reasons why you might need to cancel and not travel. Illness of you or a close relative, collapse of a carrier, severe weather etc. A policy does not just cover you for the period you are away.

We're going to Disney Paris and I've already bought the policy back in March this year, but wasn't pregnant then so didn't declare it (although can't remember if there was a question to declare it in fairness).

Policies cover cancellation as well , you need it from booking , it's not just for when you're away.

Have you got an EHIC or GHIC? Emergency care is generally covered by them in France.

Yeah I've got an EHIC card kicking about somewhere and I know you can renew them when they expire, so will be taking that too.

EHIC cards are no longer valid since Brexit. The new UK equivalent you are only covered for emergency care while away. You need cover in case you cannot travel.

EHICs are still valid until they expire.

@Thatfeatherthere - Apologies! I got that very wrong.