Traveling pregnant requires some care. Among them, attention when purchasing travel insurance - an essential item in planning. Discover tips for finding reliable insurance for when you're out of the country.
Traveling during pregnancy can generate some insecurity, and choosing a good travel insurance for pregnant women is essential for you to travel with peace of mind. Therefore, it is super important to take into account some details before choosing the ideal plan.
Insurers have some rules and restrictions that must be taken into account, such as weeks of gestation and age of the mother. In addition, there are several possibilities that should be considered before closing your travel insurance, such as: pregnancy complications, premature birth, insurance for the newborn, among others. Despite being situations that no one wants to go through, it is always good to be prepared for eventualities.
So, thinking about simplifying and making your life easier, we find out in a simple and fast way what you need to know before hiring your travel insurance for pregnant women, and we also separate the best plan indications to help you in the choice. All options can be found at online insurance comparator, which is the best way to purchase travel insurance online.
In this article you will find all the information to make the most appropriate choice of travel insurance for pregnant women, and also to solve all your doubts. Keep reading to find out more.
In this post you will read:
- How to choose your maternity travel insurance
- What is the best travel insurance for pregnant women?
- How much does travel insurance for pregnant women cost?
- How to buy travel insurance for pregnant women (with discount)
- How to compare travel insurance plans
- Considerations when choosing travel insurance for pregnant women
- What do maternity travel insurance plans cover?
- Does credit card travel insurance cover pregnant women?
- How does travel insurance work?
- After all, is it contraindicated to travel while pregnant? What precautions to take?
- FAQ
How to choose your maternity travel insurance
Here are some good tips to help you decide which travel insurance for pregnant women to choose.
First, pay attention to what your gestational period will be (weeks of gestation) until the end of the trip, and also your age as a mother. That's because some insurers have restrictions on these items - some only cover pregnancy up to the 28th week, or only apply to women up to 40 years old, for example.
Another important point is to analyze whether the chosen plan covers exams and emergency procedures, care in case of spontaneous abortions, premature or emergency births, among other complications that pregnancy can cause. Other than that, it is also essential to check if the insurance also extends to the newborn, in case the baby happens to be born during the trip.
Finally, we always recommend checking the insurance plans available for your destination through the website travel insurance comparator. In it you can find out which plans cover pregnant women, compare the options to know which offers the best coverage, and also guarantee great prices – even more so with the promotions and discount coupons always offered.
What is the best travel insurance for pregnant women?
The best travel insurance is always the one that best fits your personal needs. In the case of pregnant women, care must be taken when choosing a plan, always prioritizing a plan with higher medical and hospital coverage. In addition, there are other points to note, such as whether travel insurance extends to cases of premature birth abroad, or whether the insurance company has age restrictions for pregnant women.
Don't just consider the best price, as the cheapest travel insurance is not always the one that offers the best coverage. Pay particular attention to the extent of coverage offered, which we have already discussed above.
All travel insurance plans for pregnant women can be consulted through the online insurance comparator. On the website, in addition to being able to analyze each plan and compare them with each other, you can also ask consultants to help you purchase the most ideal insurance.
Here are some maternity travel insurance plans that are good options:
Affinity 60:
- Coverage up to 28 weeks, with no age limit for the mother
- DMH up to 60 thousand dollars
- Pharmaceutical reimbursement coverage of up to $400
- Round trip ticket for a companion up to US$2.500
- Organization of transfer for consultation
- Return travel guarantee of up to $1.000
- Medical transfer up to US$1.200
- Baggage insurance, among others
SEE PRICES
Assist Travel Insurance 60:
- Coverage up to 32nd week and 40 years old limit
- DMH up to 60 thousand dollars
- Pharmaceutical reimbursement coverage of up to $800
- Organization of transfer for consultation
- Medical transfer up to US$1.200
- $2 return travel guarantee
- Baggage insurance, among others
SEE PRICES
Coris 60:
- Coverage up to 32nd week and 45 years old limit
- DMH up to 60 thousand dollars
- Pharmaceutical coverage for reimbursement of up to 1.000 euros
- Organization of transfer for consultation
- Medical transfer up to 50 thousand dollars
- Baggage insurance, among others
SEE PRICES
How much does travel insurance for pregnant women cost?
From R$20 a day, it is already possible to find good travel insurance plans for pregnant women – sometimes even for less, when there is a promotion or with the use of a discount coupon at online insurance comparator.
However, for pregnant women, all care is valid, especially as a precaution. Therefore, it is worth paying more attention to what is offered by the insurance plan, and not taking its value into account. Of course, there are much more expensive plans, but it is always possible to find a much more complete option, for a price similar to another that, sometimes, has a much lower DMH.
If you are having difficulty finding the most ideal travel insurance, which still fits in your pocket, talk to the consultants of the insurance comparison site. They are experts on the subject, and will definitely help you close the best deal so you can enjoy the super smooth trip.
How to buy travel insurance for pregnant women (with discount)
1) Compare the prices of travel insurance options on the dates and destination of your trip
- Enter the website travel insurance comparator
- Choose destination (by continent)
- Inform the departure and return date to España
- Enter your name, email and contact phone number
- Click on “Search”
Then the site will present you with several options of plans and insurance companies. Choose up to 4 plans to compare values and coverage in detail, and click on the yellow “Compare” button.
2) Check if the insurance offers medical assistance for pregnant women and ask all your questions before hiring
When comparing, among all the benefits listed, check especially the conditions of the Medical Coverage for Pregnant Women.
The best option is to choose a plan that offers coverage “Inside the DMH” (Total Hospital Medical Expense of the plan) with an amount equal to or greater than 60 thousand dollars.
If you have any questions, you can speak directly to the site's consultants via chat, phone or WhatsApp.
3) Discount coupon for your maternity travel insurance
Better than being covered against possible emergencies during the trip, it is better to hire insurance at the best price on the market. For this, Travel Tips readers can use the coupon FORTRAVELOVERS and guarantee 5% off the final price. Too much, huh?
Oh, and there is an additional 5% discount for those who pay with boleto, pix or transfer, and these discounts are cumulative. In other words, you can guarantee savings of up to 10% when purchasing your travel insurance. Also remembering that the purchase of insurance can be paid in up to 12 installments, making payment as easy as possible.
- Click to redeem coupon FORTRAVELOVERS and get 5% off
- Pay by boleto, Pix or wire transfer to earn an extra 5% and reach the 10% off!
How to compare travel insurance plans
To compare the coverage of travel insurance plans, access the comparator website and search according to your destination. There you can compare up to four plans at the same time, to make your decision easier.
Select the plans that interest you the most and click on “compare plans”. In the detailed comparison, see item Medical coverage for pregnant women, where the following responses may appear:
- No: It means that the insurance does not cover pregnant women
- Yes: It covers possible mishaps for pregnant women. However, it does not specify the terms. It is recommended to contact the website team via chat, or the insurance company, to clarify the coverage
- Within DMH (per event): means that you have medical coverage in case of pregnancy complications up to the amount informed “per event”. That is, if you hire a plan that covers US$60, but the DMH per event is US$30, this is the maximum amount you will have coverage for pregnancy complications.
- Inside DMH: This is the best case! It means you have medical coverage for the full contracted amount. That is, if you hire a plan for 100 thousand dollars, this is the amount you will have covered in medical expenses, in case you have complications during pregnancy.
- Exact amount – For example, USD 30.000: The coverage limit for medical and hospital care for pregnant women is up to that amount, in the example, it would be 30 thousand dollars.
Don't forget to check the gestational week and maximum age covered by the chosen plan. This information also appears in the details of each plan in the comparison.
Considerations when choosing travel insurance for pregnant women
In the following list, we list the main points that you should take into account when choosing your travel insurance for pregnant women:
- Opt for coverage for medical and hospital expenses (DMH) of at least $60
- Check if the plan has coverage for medical transfers – in case the pregnant woman needs to be removed or transferred to the nearest hospital or with adequate care
- Coverage for ultrasound exams
- Coverage in case of miscarriage or accidental abortion
- Coverage for premature or emergency births
- Coverage for the newborn in case of premature birth (especially if traveling during the last trimester)
- Check if your insurance covers multiple pregnancies if you are expecting more than one baby
To purchase travel insurance, use the online insurance comparator is always a good option. On the website you can compare each insurance plan side by side, making it easier to choose which one meets your needs. In addition, the comparator has a team of consultants specialized in travel insurance, who can help you with questions and guide you to the ideal contract.
What do maternity travel insurance plans cover?
Pregnant travel insurance plans have the same basic coverage as regular travel insurance, but have the differential of extending coverage of medical and hospital expenses to pregnant women. Not all plans serve pregnant women, so it is very important to check if the option chosen has this specificity.
Basic travel insurance coverage for pregnant women includes:
- Medical and hospital expenses (DMH)
- dental expenses
- body transfer
- sanitary return
- medical transfer
- Total or partial permanent disability due to travel accident
- death on the go
No online insurance comparator, you can check which plans the main insurance companies in the market offer for pregnant women. Below we talk more about each of the companies available through the platform:
- Affinity: covers pregnant women up to the 28th week of pregnancy, with no age limit for the mother. It covers emergency delivery, but does not cover the newborn.
- Assist Card: covers up to the 28th week of pregnancy, with no age limit for the mother. It covers premature birth, miscarriages or emergency exams. They do not extend coverage to the newborn.
- Coris Travel Insurance: covers pregnant women up to the 32nd week of pregnancy, with an age limit of 45 years. It covers emergency care resulting from pregnancy, such as pain, bleeding and even premature births.
- Assist Travel Insurance: covers up to the 32nd week of pregnancy, with a limit of up to 40 years. Covers delivery in an emergency.
- GTA Travel Insurance: covers up to the 28th week of pregnancy, with no age limit for the mother. It covers emergency delivery and other pregnancy complications.
- Intermac Assistance: covers up to the 28th week of pregnancy, with no age limit for the mother. It covers emergency delivery and other pregnancy complications.
- ITA Travel: covers pregnant women up to the 32nd week of pregnancy, with a limit of up to 42 years. It covers premature birth, but does not cover expenses related to the newborn.
- Universal Assistance: covers up to the 28th week of pregnancy, with no age limit for the mother. It covers emergency delivery and other pregnancy complications.
- Vital Card: covers up to 34th week of pregnancy, with no age limit for the mother. It covers various pregnancy complications occurring up to the 32nd week, and after the 33rd only personal accidents.
The above rules are in effect in January/2022. Always consult the insurance comparator to check for any changes.
Does credit card travel insurance cover pregnant women?
Credit card travel insurance is often limited, and generally does not provide as broad coverage as is needed for pregnant travelers. If your card has this service available, check all the fine print on the policy to make sure you're covered for the duration of your tour!
Normally, the card only provides the travel insurance service for Platinum or Black brands. An important detail, however, is that to be entitled to travel insurance, the ticket must have been purchased with the card itself.
We always recommend considering dedicated travel insurance to make sure you are safe at your destination. The options of insurance comparator they are great and have good prices, being highly recommended.
Despite being an item that we never want to use, hiring the plan is essential for the well-being of mother and baby, and for you to enjoy your peaceful trip ?
How does travel insurance work?
Travel insurance can work for assistance or reimbursement.
The options available in online comparator provide direct support when an emergency occurs. That is, you contact the insurance company and they instruct you on what to do, such as going to the hospital, for example. That way you don't have to pay anything extra for it, as the insurance bears all the expenses of the service.
Reimbursement insurance guides you to go straight to the doctor, dentist, or any other professional who will help you, before claiming the insurance. In these cases, it is necessary to present receipts and invoices to receive the amount spent back. This type is most common in credit card travel insurance.
To claim travel insurance, you can call your policy's telephone number, free of charge, from anywhere in the world. The service is always in Portuguese. Some insurers also have mobile apps, which makes communication even easier.
Always have your policy number and personal data handy. Tell the representative about your problem and he will give you the support you need to deal with the situation – and try to stay calm to understand the instructions and get out of the situation in the best way possible.
The fundamental thing is to carefully read the travel insurance policy, and understand the particularities of the plan you hired. If you have any difficulties when talking to the insurance company, go ahead and seek help, because the important thing is to receive the support you need. Then you contact the company to resolve the financial issue.
Check out all the travel insurance options for pregnant women.
After all, is it contraindicated to travel while pregnant? What precautions to take?
According to experts, it's okay to travel while pregnant. But, of course, you must have permission from your doctor to go while you are pregnant. Some insurers even require documentation signed by the medical professional accompanying the pregnancy.
So, if you already had your trip booked and found out you're pregnant, or if you were already planning a pregnant trip and got worried about your health, don't worry! With good maternity travel insurance coverage you can enjoy it safely.
In any case, talk to your doctor before traveling to clear all doubts. And, when choosing the ideal insurance plan, be sure to contact the consultants from the travel insurance comparator website, who will help you by recommending options that suit you.
Finally, we list some Important precautions to ensure the health of the pregnant woman and baby during the tour:
- Avoid traveling in the first and third trimester of pregnancy, as nausea is more frequent at the beginning, and at the end the discomfort and risks are greater.
- It is also necessary to think carefully about the destination and look for quieter places – leave the more adventurous trips for another time.
- Pregnant women need to be extra careful when planning their trip. One of the main tips is about choosing the hotel. Try to stay close to hospitals or medical centers.
- Also, be sure to pay attention to the travel insurance specifications, as not all plans offer coverage during pregnancy – to do this, read the policy carefully and compare the insurance details.
- And finally, drink plenty of water, dedicate days of rest between tours, don't make a super demanding itinerary and, very importantly, and enjoy a lot!
FAQ
What is maternity travel insurance?It is a travel insurance with specific coverage for medical care in situations arising from pregnancy, dedicated to women who will travel while pregnant. Learn more about travel insurance for pregnant women.
How to get travel insurance for pregnant women?Through the website online insurance comparator you hire the best plans, easily and at attractive prices. Inform your name, e-mail, continent, departure and return dates, and see which travel insurance plans are indicated for your destination. See the step by step here.
What is the best travel insurance for pregnant women?Some good recommendations for maternity travel insurance are: GTA 60 Euromax, April 60 USA Basic e Affinity 110 Assist. See more options and values at travel insurance comparator.
Which insurance companies cover pregnant women?Affinity, Assist Trip, Assist Seguro Viagem, GTA, Intermac, ITA Travel, Coris, Assist Card, Travel Care and Universal Assistance. See all options and values at travel insurance comparator website.
Up to how many weeks of pregnancy does travel insurance cover?It depends on the insurer. There are companies with plans that cover up to the 28th week of pregnancy, and others that extend coverage up to the 32nd week. Some also impose an age limit for pregnant women. Check out more information about travel insurance for pregnant women.
How old is the mother for maternity travel insurance coverage?The age limit for a pregnant woman to be covered by travel insurance depends on the insurer and the plan chosen. Most companies do not impose this limitation, but you can check more details in the post about travel insurance for pregnant women.
How much does travel insurance for pregnant women cost?Basic travel insurance costs an average of R$13 per person/day, while a more complete one starts at R$26. online travel insurance comparator.
What does maternity travel insurance cover?Medical emergencies arising or not from complications of pregnancy, premature birth, medical transfer, dental care, among many other benefits. Check out more details in the travel insurance post for pregnant women.
How to activate maternity travel insurance in an emergency?Contact the insurance company's Assistance Center using the numbers provided in your insurance policy, or speak with the online insurance comparator to guide you to the right channel of communication.
Did you like the tips to buy travel insurance for pregnant women? Leave your questions or comments and enjoy your trip!
