Our policies include medical expenses cover for pregnancy up to 30 weeks if you're expecting one baby, and up to 20 weeks if you're expecting more than one baby. From the start of week 31 if you are expecting one baby, and from the start of week 21 if you are expected more than one baby, there is no cover for claims relating to pregnancy and normal childbirth, however, medical expenses cover will be provided if any of the following complications arise:
- Toxaemia (toxins in the blood)
- Gestational hypertension (high blood pressure arising as a result of pregnancy)
- Pre-eclampsia (where you develop high blood pressure, carry abnormal fluid and have protein in your urine during the second half of pregnancy)
- Ectopic pregnancy (a pregnancy that develops outside of the uterus)
- Molar pregnancy or hydatidiform mole (a pregnancy in which a tumour develops from the placental tissue)
- Post-partum haemorrhage (excessive bleeding following childbirth)
- Retained placenta membrane (part or all of the placenta is left behind in the uterus after delivery)
- Placental abruption (part or all of the placenta separates from the wall of the uterus)
- Hyperemesis gravidarum (excessive vomiting as a result of pregnancy)
- Placenta praevia (when the placenta is in the lower part of the uterus and covers part or all of the cervix)
- Emergency Caesarean section
- A termination needed for medical reasons
- Premature birth more than 8 weeks (or 16 weeks if you know you are having more than one baby) before the expected delivery date.
If at the time you purchase your travel insurance, you know that you will be 33 to 40 weeks pregnant during your trip; you will be unable to claim cancellation for your trip. If you are suffering from a complication of pregnancy and therefore a doctor advises you that you are not fit to travel then claims for cancellation will still be considered.