Can anyone recomend a good travel insurance?

[LucyB1]

I'm going to Rome at 32 weeks. I need a travel insurance that will ensure everything is covered. I don't understand all their jargon.

As long as your GP says you are OK to travel, normal travel insurance covers pregnancy

Thank you. Does this include flights home if we miss them and extra one for baby?

I think most standard travel insurance doesn't cover pregnancy but does cover complications of pregnancy - as long as they are unanticipated. Most travel insurance policies I've seen list what they regard as complications - eg miscarriage, pre-eclampsia, premature birth. I don't know what they define as premature, so worth checking what definitions are if you're travelling in late pregnancy.

Also important to note that some policies don't cover pregnancies conceived through IVF (which seems completely unreasonable but there you go)

Yes I agree plate - that's why if the GP says it's ok to travel, anything that happened would, by definition, be a complication and not expected. Nice question about flight home- but if you had the baby at 32 weeks it might be quite a long time before you were both coming home!! If you are really worried, don't go - I'm not being unsympathetic - I mean that genuinely. DD went to Spain with dgs1 just within the 35 week limit with us and I was researching maternity units in the vicinity and checking out mobile phone coverage before we went. She's now just been to Amsterdam at 32 weeks with dgc2 and all I could think was that at least she could get back on the ferry....you can see from this what I would have done but I'm a wimp!

that's why if the GP says it's ok to travel, anything that happened would, by definition, be a complication and not expected.

Hmm is that necessarily the case Bourdic? If you've got any existing issues in your pregnancy that you are aware of that could potentially cause complications, your doctor may say you're OK to travel, but does that mean you will be covered if that complication does arise?

If you do have any existing issues you should inform your insurer before travelling and check they will accept these as covered on your policy.

Plate - good point - I was assuming that everything was fine - and that if you were aware of any potential complications you wouldn't be going anyway and would a GP say it was Ok? But you're right about talking to company before going if there are any issues and I guess they wouldn't cover them

Pregnancy isn't classed as a medical condition for travel insurance, but as others have said, complications are covered. It depends on your policy, but most will cover the event of the baby being born abroad, if you have a letter from doctor saying you were fit to travel. The infant will be automatically covered on your policy. That's how mine works and it's through Axa. You need to ring up and get clarification from your insurers directly. They are well versed and will be able to tell you exactly what is covered and what the exclusions are.

I was able to claim over $100K on travel insurance when I had a scan whilst visiting the US which showed I had incompetent cervix at 18 weeks. There was no way anyone could have known before that point (had no checks until then) and the reason I had the scan was because I just happened to be over there at the time my anatomy scan was due. The scan itself was paid for out of pocket and NOT covered by insurance obviously, as it's routine antenatal care. The stitch was not routine and nor was the 8 night hospital stay! They also paid for all three of us (DH and DC1) to fly back first class on Virgin because I needed to stay lying flat on doctor's orders!

I wish I could recommend the company but it was corporate travel insurance through DH's employer as the reason we were out there was for him to be trained. To think DH got fed up of me beforehand nagging him to double check I'd be covered as I wasn't an employee..

But yes, most policies will cover you up to a certain point, probably at least to when the airlines will fly you. However as others have said, I am not sure how much they'd cover pre-existing complications (e.g. if I'd flown out knowing I had cervical issues which I most definitely did not!) but maybe it depends on the complication. If your doctor thinks that realistically you're not going to need any sort of treatment whilst away then anything that pops up would be unexpected and therefore covered, I don't know, I'm just speculating there. You would need to ring the insurer before you leave and be totally honest with them.

I'm seeing a consultant about ovarian cysts, which whist not really a pregnancy complication are complicated by pregnancy IYSWIM. I think I need to inform insurer as my insurance policy says I will not be covered if I have been referred to a hospital doctor in last 12 months unless insurer has been informed and accepts it.

Actually my insurance only went up to 28 weeks. So do check the small print.