Traveling while 30 weeks pregnant: Travel Insurance Requirements
Traveling while 30 weeks pregnant: Travel Insurance Requirements
This is the first time I will be traveling out of country in my third trimester. Two years ago when I was pregnant with Baby B we went to Belize, Mexico and Guatemala but I was only 5 months pregnant (20 weeks). During that trip I was barely showing (I’m 5 months pregnant in the photo above), could easily get around, and overall felt very good.
This time around, I’m a lot slower, definitely look pregnant and most of the time I’m uncomfortable.
This weekend, we are heading to Santa Monica, California. We picked this destination for a couple reasons: we could redeem our Aeroplan Miles for a direct flight, the flight is short (under 3 hours), we don’t have to change time zones, it’s baby friendly and it’s a safe place for me to travel while in my third trimester.
Last week, I called to confirm if our travel insurance would cover my pregnancy. Since it’s a short trip, we have coverage through our credit card and through our work. Anything over 2 weeks is when we need to purchase additional days. I was a little shocked in the difference between both policies.
- Credit card insurance – covers any medical expenses (including delivery), up to $5 million, but only up until 9 weeks before my scheduled due date. Although I just make the cut-off, I would not be covered if I was traveling past 31 weeks.
- Insurance from our employers – Both Cameron and I have insurance through our work. When I called to inquire about our policy, I found that while pregnant, I’m covered only for emergency situations up to $3 million any time before 36 weeks. Therefore, my work insurance gives an additional 5 weeks allowance for pregnant women but only in emergency situations.
If you are traveling while pregnant here are some things to consider:
- Do not make assumptions. Call your insurance provider and ask specifically about being pregnant. Not every policy covers pregnant women.
- Some airlines have cut-off times for pregnant women (normally between 34 and 37 weeks)
- Every policy wants you to call before going into a hospital. That way they can help select an appropriate hospital that they have relations with and sometimes even set-up direct billing, so you avoid going out of pocket.
Traveling without insurance is risky – especially when pregnant. If your baby is born early, the costs for NICU can add up fast, especially if it takes a while before the baby can leave the hospital. We always purchase travel insurance and travel with the motto – better safe than sorry.
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Have you traveled while pregnant?
Share your experiences and tips in the comments section below.
You have to visit the historical present of superb
structure, Eiffel Tower for you fully believe
you are in Paris.
Hi there,
What’s the name of your employer’s insurance? I’m traveling at 32 weeks. Help!
I also live in Vancouver. I will be travelling to the U.S. at 30 weeks and returning at 32 weeks. Could you send me the name of your insurance provider? I can’t find a Canadian one that covers past 28 weeks.
Hi! I am desperately trying to find insurance that will cover me for travel from Canada to US while 36 weeks pregnant. Do u mind telling me then e of your work insurance provider?
Thanks:)
Thanks for the post! I’ll be mexico bound when 30-31 weeks and made sure to get travel insurance.