Pregnancy Travel Insurance In Canada: What Every Expecting Parent Needs To Know

Coverage often depends on timing. If you have Travel Insurance with trip cancellation and your doctor provides their recommendation in writing before you’re scheduled to leave, in general, you’ll have coverage for those nonrefundable costs.

Flying itself has risks. Conditions like deep vein thrombosis or blood clots can develop, and some types of Travel Insurance cover pregnancy for those kinds of emergencies. Pregnant travellers are generally advised to book an aisle seat, to keep moving during long periods of sitting and to stay hydrated to reduce the risk.

High-risk pregnancy is considered a pre-existing condition by most insurance companies and has very restricted coverage. Even after comparing Travel Insurance Quote Online options, conditions related to pregnancy, associated with high-risk factors, tied to it are typically ruled out, unless otherwise specified in the small print.

The insurance policies cover the insured person, not the baby, even if you have to ring the helpline if you are taking the baby abroad. In the event a baby is born while you are out of state with no warning, the infant’s medical costs are normally not covered. Pregnant travellers can avoid surprises by checking policies. There’s a lot to think about when you’re expecting, and one of the last things on your mind is insurance.

No, preventive care is all but universally excluded. A Travel Insurance Policy is designed for emergencies, not for planned visits. Pregnant travellers will want to visit a health provider before leaving Canada, given that medical costs associated with routine care outside of the country are often paid out of pocket.

It’s tough. Most policies don’t cover pregnancy-related issues after you’re far down the line. Some insurance companies may request that you have a doctor confirm your due date before they will approve coverage. Once you’re pretty close to your due date (anywhere from one to four weeks out), reimbursements generally exclude complications.

If most airlines won’t let you board because you’re past their time limit, your Travel Insurance doesn’t kick in unless you can provide documented medical reasons. Policy seeks a doctor who does not recommend travel as opposed to airline regulations. This is why it’s so important to look at both your insurance policies and travel restrictions before you book.

Possibly, if diagnosed and needing immediate treatment, then it could be considered an emergency. Travel Insurance covers pregnancy in these instances, but only if you are over nine weeks from your expected delivery date. Gestational diabetes symptomatic before embarkation could be an exclusion criterion.

Trip interruption benefits sometimes apply. In the event you have pregnancy complications and require medical assistance in Canada, your policy may include coverage of unused trip costs and transportation. But if you cancel your trip for comfort or a routine pregnancy, then coverage likely does not apply.

Dress is not a measure of coverage, but insurance and health care providers frequently recommend these measures. Risk of deep vein thrombosis can be reduced by wearing loose clothing, positioning the lap belt properly on long flights, and moving frequently. This is another way of demonstrating that you’re a responsible pregnant traveller by adhering to these steps.

That’s where trip cancellation — or trip interruption — coverage comes in. If you are compelled to alter your plans due to pregnancy-related problems, a good Travel Insurance Policy can partially or completely reimburse your associated costs. The fine print really matters here — most companies will need a letter from a doctor for coverage to kick in.

Yes, if you have a water-borne illness or mosquito bite and come down sick, your policy’s emergency medical care should apply. Ketones aren’t even pregnancy complications, but they affect people who are pregnant and can lead to further complications. Always ensure that your policy is open to unforeseen medical emergencies as well as just pregnancy itself.