Does Trip Cancellation Insurance cover pregnancy?

Published: Aug 29, 2017

Elaine from Iowa asks: 
The trip we are insuring departs in October 2018. What if my daughter or daughter-in-law becomes pregnant. Is there trip cancellation coverage available for that reason?

 

Dan answers:

There is coverage available for a pregnancy that occurs after a policies effective date. The effective date of a trip cancellation policy is 12:01 a.m. the day after your purchase date. This is when your trip cancellation coverage will begin. All other policy benefits — such as emergency medical, medical evacuation, travel delay, etc. — begin on your trip departure date.

Trip cancellation for pregnancy is not included in many of policies we represent. Let’s review the specific policy language for policies available on Travel Insurance Center that do provide this benefit.

 

1. Travelex Insurance Services

Travel Basic

From Trip Cancellation and Interruption Covered Reasons:

#2 You become pregnant after the effective date of coverage (Trip Cancellation coverage only).

 

2. Roam Right

Essential and Preferred plans

From Part A — Travel Arrangement Protection:

p. Your or Your Traveling Companion’s pregnancy, provided the pregnancy occurs after Your Effective Date for Trip Cancellation, as verified by medical records;

q. You or Your Traveling Companion are attending the childbirth of Your Family Member, provided the pregnancy occurs after Your Effective Date for Trip Cancellation, as verified by medical records.

 

3. Travel Insured International

Worldwide Trip Protector and Worldwide Trip Protector Plus

From Coverage A — Trip Cancellation / Other Covered Reasons:

v. Your or Your Traveling Companion’s normal pregnancy or attending the childbirth of Your Family Member. The pregnancy must occur after the Policy Effective Date and be verified by medical records. 

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