Travel insurance for pregnant women differs from the health insurance offered to ordinary tourists.
Of course, pregnant women can travel abroad with standard insurance. But if pregnancy-related medical care is required, the basic insurance policy will not be sufficient for the required costs – it simply does not take them into account. And then the services of clinics or doctors will have to be paid separately.
You can also read: Health Insurance to Travel Abroad: Everything you Need to Know
Insurers offer travel insurance to pregnant women who are expecting babies when they go abroad. This service should be used to avoid unplanned and considerable costs because traveling while waiting for a child means additional risks for insurance firms, so few companies allow travelers to issue a special policy.
Important things to Understand About the insurance of Pregnant Women when going abroad
For travel abroad, pregnant women are issued travel insurance, an extended traveler’s policy which includes additional options. This allows women to seek medical help for expectant mothers’ health issues – with a cold, runny nose, dental treatment, and other diseases and injuries. The choice of an insurance company depends on its answer to how long it is possible to insure.
The majority of firms issue insurance to women abroad only in the early stages of pregnancy. Having planned a trip, the expectant mother should apply for the purchase of a policy, not allowing the excess of pregnancy up to 12 weeks or up to 24 weeks – this is stipulated by the terms of the contract in the insurance company. At a later date, they may refuse to sell. And if we talk about the “pregnancy limits,” that is, the deadline after which the insurance will not be sold, or it will cease to operate, it is limited to 31 weeks. This is the maximum term for pregnant women’s insurance companies: ERV (ERV Travel Insurance), Rosgosstrakh, and Arsenal.
It should be considered that a child’s birth is not considered an insurance case in any program. All medical services for the newborn’s delivery and care in the clinic after childbirth will be paid for by the insured person. Preterm births or abortions may be recognized as a pre-payment risk only if they are caused by the need to eliminate the threat to the insured’s life. No insurance company undertakes to issue a policy in the most recent weeks, as the probability of risks increases to almost 100% due to all sorts of stimuli.
You can also read: Why do you Need Insurance to Travel Abroad?
They can be a long flight, a change of time zones, climate change, and much more, which will lead to premature birth or any complications. There are restrictions for pregnant women and the tour duration – the trip should not last more than 10-14 days. When applying for a policy, the company’s employees often request a medical certificate stating no pathologies and no contraception for the flight. It is desirable to have such a certificate with you on the trip.
The basic policy of the VDR includes only treatment and medical transportation to a certain extent. But it can be supplemented with medical assistance in special cases (e.g., pregnancy), baggage insurance, documents and civil liability, accident insurance, travel, and flight delays. At the same time, there won’t be additional paperwork. All options can be added to the VDR policy – you will get one contract covering all possible risks.
Theoretically, for travel in Russia, you will have enough from the ordinary policy of compulsory health insurance (MHI). But you can’t walk around with it: only queues from the Volga are attached to the OMS policy. If you want the insurance to cover additional risks: for example, the evacuation by helicopter from a mountain resort or a flight delay, it makes sense to issue a traveler’s policy in Russia and expand it in the same way as the policy of the VDR.
Types of Insurance for Pregnant Women
Companies providing insurance for pregnant women when going abroad offer two options.
- A standard medical policy can be dispensed with at the time of pregnancy up to 8-12 weeks. Such insurance will allow you to apply for emergency medical services, but it does not cover all the risks for the future mother on the journey.
- Extended travel insurance for pregnant women includes several options, specifically for women expecting babies. All treatment cases for medical assistance related to pregnancy will be considered insurance, with a period of up to 31 weeks. Insurance reimbursement under such contracts by different companies is offered in 10 to 50 thousand euros.
Extended insurance will be issued in several companies, for example, in the company ERV. The policy may seem quite expensive, but it is probably the only insurer ready to reimburse the insured person for the costs of preterm birth and subsequent care for the baby. ERV offers travelers long-term insurance packages, OPTIMA-Multi (OM) and OPTIMA-Annual (OA), valid from 180 days to a year, and includes medical coverage and other expenses, including even delaying luggage over 6 hours.
When choosing an insurance company, you need to focus on the following parameters, important for a traveling pregnant woman:
- The period of pregnancy before which you can conclude an insurance contract.
- The duration of the trip, during which the policy will operate.
- There is a pregnant deductible in the policy, or it is absent (the presence of a deductible implies partial coverage of expenses by the insurer).
- Risks covered by the policy.
- The amount of the insurance.
List of Documents for Registration
Travel insurance for pregnant women at registration requires a minimum number of documents. And through the representative of the company and buying insurance online, pregnant women need two documents:
- Passport (series and number will be needed).
- Medical certificate (issued by a gynecologist), containing information about the term and normal course of pregnancy, not complicated by any pathologies, which allows the woman to go to another country by plane.
Actions in case of an insurance case abroad
If a pregnant woman needs medical care during a trip, you need to follow the rules of her insurance company strictly – the order of action and other necessary information (addresses, phone numbers) can be specified in the policy, or the firm gives a memo. You can follow such a plan:
- First of all, call either your insurer or the company-assistant – that is, the intermediary who will deal abroad with your issues (finding the nearest medical facility, transportation to the hospital, rebooking tickets, etc.). The assistant number should be in the policy.
- Be prepared to accurately report the information that will be required: name, passport information, the number of the policy and your phone, the date of entry into the country where you are, and the expected date of departure on tickets.
- Please report your case by phone. It is important: all travel insurance is designed only for emergency medical care. Therefore, if you say that you have been feeling unwell for several days, the insurance company can easily refuse to pay the reimbursement amount.
- It is undesirable to agree to a visit of a doctor to you “at home.” Usually the visiting medical staff with you offers almost nothing above a painkiller and a thermometer. Insist on admission to the nearest of the clinics with whom the contract is signed at the assistant.
- In case of delay on the insurer’s representative’s part, in their process of contacting the doctors – call again and persistently ask for help.
Calculate the cost of insurance for pregnant women in 5 minutes
Even before the start of the trip, the expectant mother needs to take care of her health. This will help pregnant women choose the travel insurance with optimal services, and consider the maximum risks.
You can also read: What insurance do you need to travel abroad? A Complete Guide
When going abroad, the cost of insurance services is influenced by:
- Host country.
- The duration of the trip.
- The amount of the insurance.
- A list of additional services.
- Terms of the contract.
- The period of pregnancy.
Using an online calculator, you can calculate the cost of a suitable policy in 5 minutes. Of course, a pregnant woman will not be left without medical care. In the absence of a policy, they will have to pay on their own bills from clinics, for delivery to the doctor and for medicines and procedures.
Therefore, if you suddenly need medical services and treatment when you travel abroad, the pre-purchased insurance will stay in the family budget.