We are finally planning our trip (our babymoon) to Arizona at the beginning of the 3rd trimester! We want to be smart about travelling so I will need pregnancy travel insurance in case I go into emergency labour, which I don’t for see happening with all my overdue babies, but you should always be prepared! Especially if you’re going on a babymoon in the 3rd trimester!
We just signed with a new health insurance provider, but if you know us we want to shop around before we commit!
You don’t have to go with the same place as you already have insurance – and not all travel insurance while pregnant is the same! Here are some things you need to take into consideration while shopping around for travel insurance while pregnant:
- Time of eligibility. All travel insurance policies are different – they mainly differ about when you’re eligible in your pregnancy to be covered for emergency labour and delivery costs while travelling abroad. Some state you are ineligible after being 30 weeks pregnant, some say after being 32 weeks pregnant (or 8 weeks from your due date, but same thing!). I’m sorry to say that you’ll be hard-pressed to find travel insurance for pregnancy after 32 weeks – so make sure you read thoroughly through all the travel insurance policies before you apply for your own! P.S How I find their pregnancy eligibility is I open the online policy and then use the finder application through “command + F” on Mac and type in “pregnancy”, it brings you to the right section of eligibility!
- List of benefits. There are some Canadian travel insurance options that are similar and some that are very different – varying amounts and access of maximum benefit cap, to hospital room coverage, to physician services, to the many, many more options available! Like I mentioned before, read the benefits as well as the policy – weigh the options and see what fits best for your situation.
- Single or family rate. When applying for travel insurance it is not specifically named “pregnancy travel insurance” – it’s just travel insurance so you are able to get a group rate, even if it’s only your spouse and yourself going, so everyone can be covered medically while you are away. Typically it doubles your quote, it could be $39 (single rate, covering yourself) or $78 (family rate, covering both your spouse and yourself) for 8 days coverage.
I will be 30 weeks pregnant at the end of our trip so I’m glad we have so many options for travel insurance but I still prefer the pregnancy travel insurance options that offer eligibility to women who are 32 weeks pregnant. Those insurance providers in Canada are:
The insurance providers that offer eligibility to women who are 31 weeks pregnant (or 9 weeks away from their expected due date of delivery) are:
The only site that left me in a conundrum was TuGo, that allows you to look at multiple options for each province, but you cannot view the policy until after you purchase it… so I do not encourage you to purchase your travel insurance from TuGo because it’s a guessing game of what you get from the policy of your choosing!
The Alberta insurance options that TuGo partners with are: London Drugs Insurance, ATB Financial Insurance, Travel Guardian, Belairdirect, Simpson Group, and Western Financial Group.
I’ve tried to do independent research from the TuGo site on each of these insurers, but they all lead back to the TuGo website without mentioning their individual travel insurance policy. I tried! Hopefully, they are able to change the steps of purchase before you read your policy soon because the TuGo website has a nice flow to it.
I hope this helped you in finding the best pregnancy travel insurance for your next babymoon!
What is your favourite pregnancy travel insurance company? Let me know in the comments below!
If you like this post, check out my 5 Tips For Renting A Car In Halifax post before you go!
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