Do you provide cover for pregnancy related claims?


We continue to provide cover for mothers to be under our policies. However, we will not provide cover under Section 2 Emergency medical and other expenses:


  • a) for premature births or threatened early labour that occur within 8 weeks (or 16 weeks in the case of a multiple pregnancy) of the expected delivery date; or
  • b) when a medical practitioner has recorded a pregnancy as high risk or being at a heightened risk of premature birth; or
  • c) where a complication to pregnancy exists which first arose before departing on your trip.

However, cover is in place should a pregnant lady who has been fit and well throughout her pregnancy, and is not in breach of any of the above, require unexpected emergency medical treatment and/or go into unexpected premature labour and/or suffer unexpected complications resulting in the mother or her child requiring medical intervention or treatment.


It is important that the treating midwife or doctor is happy that the lady in question is fit to travel, taking into consideration where she is travelling to, the method of transport to be used to reach the destination, and any transport methods intended to be used during the trip, prior to booking the trip and/or insurance policy. They must also be informed of any activities that will be participated in during the trip to ensure that they consider it safe to take part.


Please ensure that enquiries are undertaken with the chosen carrier (e.g. the airline, cruise company, etc) to make sure that the pregnancy falls within their acceptance criteria, based on the expected delivery date before booking the trip, as these may vary.


Please also be aware that the lady in question must be fit to travel on the day of the policy purchase. Additionally, should there be a complication of pregnancy or a decline in the general health of the expectant mother post policy purchase/post trip booking, it is important that we are contacted.


Definition:


Complication of pregnancy – means the following unforeseen complications of pregnancy as certified by a medical practitioner: toxaemia; gestational hypertension; pre-eclampsia; ectopic pregnancy; hydatidiform mole (molar pregnancy); hyperemesis gravidarum; ante partum haemorrhage; placental abruption; placenta praevia; post-partum haemorrhage; retained placenta membrane; miscarriage; stillbirths; medically necessary emergency Caesarean sections/medically necessary termination; and any premature births or threatened early labour more than 8 weeks (or 16 weeks in the case of a multiple pregnancy) prior to the expected delivery date.