Travel insurance for pregnant women when traveling abroad - all the nuances

Pregnancy insurance is a special option tothe usual travel medical insurance for traveling abroad for recreation and travel, which concerns countries around the world, including the Schengen countries and the CIS. Because of the increased risks in insuring pregnant women, there are many features and nuances. Buy such insurance is not possible in all companies. Officially, this type of insurance is called “Pregnancy complication insurance” - since pregnancy itself is not a disease.

During pregnancy (if it proceeds normally andthere are no contraindications to the doctor) you can travel, but you still need to understand that there are more responsibilities in this case and unforeseen expenses may arise, therefore, the choice of insurance should be taken seriously.

The content of the article

Pregnancy Insurance Companies

Companies periodically change insurance conditions,introduce new rules and restrictions. If you look at reviews on insurance forums for pregnant women, it is clear that for the same insurance users indicate different periods of pregnancy.

Therefore, just in case, check in the online chatCherehapa or Instore for each insurance. There is a very adequate technical support, which knows all the answers, and will be able to help you even in case of an insurance case (and not just before purchasing the policy).

Below are the main companies involved in pregnancy insurance and their brief insurance terms.

ERV (Euro-centr)

Life hacking. If you buy by the link, it will be cheaper by 12% and will give the option "Telemedicine" as a gift. These are online consultations with Russian doctors, you can always find out if you already go to the hospital, clarify the appointments of the Thai doctor, ask about medicines, etc. detailed instructions.

ERV insurance with 12% discount>

This insurance offers the best conditions.for pregnant women up to 31 weeks. You need OPTIMA or OPTIMA-annual programs with an insurance amount of 100 thousand euros. They include risks that many insurance companies remove from contracts or severely limit on amounts:

- medical expenses in case of a sudden complication of pregnancy (the entire insurance amount)
- expenses for preterm delivery (the entire sum insured)
- for the care of a newborn with preterm birth (limitation 10,000 euros)

As far as I know, nobody cares for a newborn, as well as insurance for the full amount during a complication. So there are very good conditions.

Arsenal (Balt Assistance)

It insures pregnant women for up to 31 weeks with complications and preterm labor when choosing “Insurance in case of pregnancy complications”. The limit on the insurance amount of 1000 ye.

Arsenal price>

Rosgosstrakh

The company insures pregnant women for up to 31of the week. The amount of coverage is 10% of the insured amount you selected when you purchased the policy. That is, if the policy is for 100 thousand ye, then the complication of pregnancy and premature birth in the amount of 10 thousand ye will be covered. Be sure to select the option "Insurance in case of complications of pregnancy," otherwise it will not be in the insurance.

Price Rossgorstrakh>

Consent (Balt)

Insures pregnant women for up to 24 weeks. In this case, they work with Balt Assistance. Program F - in case of complications during pregnancy, as well as the provision of necessary assistance in connection with the threat to the life of the mother / fetus. For any risk of payment of no more than 5,000 euros. But, as I understand, such insurance cannot be bought over the Internet, you need to contact the office.

Sberbank Insurance (Europ Assistance)

Insures pregnant women for up to 12 weeks. Covers cases of sudden complications when life threatening. There are no restrictions on the amount, that is, within the limits of the insured amount. Catch my promo code LIFETRIPRU for a discount of 9%.

Sberbank price with discount>

Liberty (Class)

Program B (Standard) providesinsurance for pregnant women for a period of 12 weeks. Such a program is sold on Cherehapa. Program A, which is only on the official website, does not insure pregnant women in any way. At any time it is included in the insurance of an emergency artificial termination of pregnancy, the need for which has arisen as a result of the insured injury, which can be recognized as an insured event.

Price for Liberty>

Alpha Insurance (Savitar, Best / Class, GVA)

Special insurance program for pregnant womenThere is no alpha, but when buying ordinary insurance for traveling abroad, cases of "sudden life-threatening complications or documented accidents with gestational age of up to 8 weeks" are considered insurance, by default it is included in the insurance, you don’t need to choose anything else.

Just in case, I remind you if I have ithave not yet read, Alpha for Schengen can be bought through the Eurotour with a big discount (for my blog), and asistens will be better - Savitar than on the official Alpha website. With Best / Class Assistant, you can buy from Cherehapa. On the Alpha site, only GVA, which is bad.

Price Alpha>

Insurance for pregnant women when traveling abroad

Insurance for pregnant women when traveling abroad

How to choose insurance

What to look for when choosing insurance:

  • what time of pregnancy should be at the time of the trip;
  • what period of pregnancy should be at the end of the trip;
  • the maximum duration of insurance (usually insured only for a short period);
  • what amount of insured amount, what amount can be paid for insurance claims related to pregnancy;
  • look at the exact wording in the contract which cases are recognized as insurance by this company and which are not;

Of course, it’s hard to get to the bottom right away.the nuances of all insurance programs, given that not always everything is on the surface. Therefore, I can advise you to base my list of insurance for pregnant women.

In general, the easiest and fastest way is to use special filters in insurance purchase services. Only two services provide such: Cherehapa and Instore.

After Cherehapa gave you a listinsurance for the right dates and for the desired country, put a tick in front of the option "Insurance in case of complications of pregnancy." It is located to the right at the bottom of the page in the “Additional Options” block. Next, select the desired number of weeks, and see the results. The service will filter and show you only those insurance that insure pregnant women.

About the same in the Instore. Under the form where you put the dates, click on "Show advanced options" and then indicate the presence of pregnancy: up to 12, 24 or 31 weeks.

Such a mini-life hack, do not forget to try to play insurance sums (30000-50000-100000 dollars / euro), as well as a tick "Annual policy".

The problem of insurance for pregnant women

Regular medical travel insurance ifit does not provide for insurance for pregnant women, it covers all insurance claims stipulated by the contract, except for those related to the complication of pregnancy. If you are still swimming in travel insurance matters, be sure to check out my insurance rating. There and about all the nuances of choice said.

My insurance rating>

It is necessary to distinguish when the appeal to the doctor will beparts of the usual tourist health insurance, and when it will be a “complication of pregnancy”. For example, if you go to a doctor during pregnancy because of a rhinitis, this will also cover the usual insurance. But this is a simple obvious example, there are more complex cases. Therefore, so that the insurance doesn’t have too many questions about whether your case is related to pregnancy, if there is a pregnancy, it makes sense to make insurance that provides for this item.

Usually companies are divided into those that insurepregnancy is up to 12 weeks, or up to 24 weeks, or up to 31 weeks. For a longer period, Russian insurance companies are not insuring now. Often, insurance covers insurance for pregnancies up to 12 weeks, as they usually do not bear the risk to the life of the insured during these periods. But in the long term (and this is just the more serious cases) very few companies insure.

ERV insurance with 12% discount>

Insurance usually write “with a sudden complicationcourse of pregnancy ", that is, it is assumed that no pathologies have existed before. Some companies may ask for a certificate from your doctor that there were no contraindications for travel. For example, the flight may be contraindicated in pregnancy for several reasons. Therefore, before the trip, it is better to take such a certificate and make a copy of it so that in case of anything to send insurance.

Most often in the contract of insurance prescribedcoverage of life saving services only women with complications during pregnancy. At the same time, the maximum amount is often limited to 5000-10000 dollars. All that is in excess of this amount will have to be paid independently. In addition, insurance can limit the duration of insurance to 10-14 days. Often, expenses for childbirth and child care after delivery, premature birth, and termination of pregnancy are not covered. The exception in the last two points is the risk to a woman’s life. Then the costs can be paid by insurance.

P.S. The information is compiled based on reading insurance contracts and traveler reviews. I would be glad if you share some more information on such insurance. If anything is not clear, ask.

Life hacking 1 - how to buy a good insurance

Choosing insurance is now unrealistically difficult, so to help all travelers, I compile a rating. To do this, I constantly monitor forums, study insurance contracts and use insurance by myself.

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