Travelling while pregnant can be a bit of a gamble. "When should be your cut off date? What kinds of travel are worse than others for heavily pregnant mothers? Should you risk it if the destination isn't prepared for or can't or won't offer maternity care?" The last worry you would want on top of this is "how much will it cost?" We take a look at the world of travel and pregnancy and see how having travel insurance on holiday is very important when pregnant.

When can and should you travel?

Experts differ as to when you should stop all travel if you are pregnant. To an extent it depends on the type of transport you are taking. Driving isn't usually a problem, nor is walking unless you are trekking along very strenuous trails (though doing almost anything close to the due date may induce labour). Travelling by ship or train are, similarly, not huge problems. The main type of travel that is unsafe while pregnant is flying. The pressurised environment is arguably bad for the baby the closer to term a woman gets, and may cause complications and possible premature births.

Most airlines, for example British Airways, don't allow pregnant women past 28 weeks to travel. Others allow you to fly after that with a doctor's certificate up to 36 weeks and not at all after that, but that can be pushing the limit.

Will my usual travel insurance cover me?

Many companies offer travel insurance up until 28 weeks, depending on the company and the individual case. Most standard travel insurance policies don't cover pregnancy as a medical condition, and therefore it's best to check with your holiday insurance provider before you go. Many standard and cheap travel insurance companies will offer top-up pregnancy travel insurance policies, and it's best to invest in one of those even just for the peace of mind it will bring. It's also best to check the facilities of the country you are travelling to and what documentation you might need - better to be prepared than be caught short while abroad where there's little you can do.

Do I only need travel insurance if going by plane?

No. When pregnant you will want to have the extra travel insurance in place even if you are going by train, ship, car or any other transport. This is because the main point of travel insurance whilst you are pregnant is to literally ensure that you can be pregnant and give birth in another country if necessary. Most countries have no national health provision, and health care is paid for on insurance or billed to your account when your procedure is over. Some go as far as not treating you if you are unable to pay for the treatment there and then. The last thing that you want when going into labour is to have someone questioning your financial situation. To make sure that you are covered for any foreign medical expenses, always check that you have travel insurance before booking your holiday.

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Travel insurance is one of the key things you should never forget whenever you plan for a holiday trip outside the country or an inside the country vacation. It is one of the essential things needed if you want to be covered in medical and other financial expenses you may incur during your travel. Most of the time, travel insurance can be arranged with your travel agent, and it can cover you up until the trip is over and you return to your place of origin. Most of the time, travel agents offer insurance as part of their travel packages, but considering some important facts in procuring a travel insurance, it is more practical to do it on your own than have your travel agent include it in your travel package if you want to have a more comprehensive and better travel insurance coverage worth the money you paid.

There are several travel insurance coverage you can choose from, depending on the frequency of traveling you do annually, and you can choose to either opt for a single trip or multi trip insurance coverage. If your travel plan only includes one trip outside or within the country, you can choose the single trip travel insurance policy, but if you are planning to take several trips within the year, it is more practical as it is cheap obtaining multi trip insurance than having single trip insurance every time you travel. This can also save you time from repetitive insurance application every time you are having a trip.

A multi trip insurance coverage is more often referred to as annual insurance policy and having it can significantly save you money in the process. When you are making plans for acquiring travel insurance, you have to be very precise with regards to the provisions that are inclusive in the policy and the conditions that are excluded by the insurance provider. Although a full coverage sometimes can be the best and practical option for most coverage, you can actually choose the items covered which you want to be included in your policy if you want to have a cheaper travel insurance premium. Sometimes, a cheap policy does not necessarily mean that it doesn't have excellent coverage. You only have to have to determine the type of coverage you think you may need and this can significantly lighten the premiums you have to pay on your provider.

Typical services offered by travel insurance providers are, emergency repatriation and/or evacuation, medical expenses incurred while traveling, personal accident cover, travel cancellation and restriction, delay, theft, loss or damage of properties while on the trip, like personal baggage, coverage for missed connection for those taking connecting flights, and personal liability coverage.

Understanding the concept and the importance is in fact, relatively easy. You purchase insurance for an established provider and in return, they can provide you cover, should an event like accidents, loss of personal properties, or other unanticipated things happen while you are on a trip.

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So you're getting global travel insurance, and you're up to the pre-existing conditions section. You're probably wondering whether you should declare and play it safe, or whether your predisposition to the sniffles is something to be brought to their notice. Hopefully this article will go some way to explaining the point of pre-existing condition surveys in global travel insurance, as well as explaining why you need to make it clear, and what is worth mentioning...

What are pre existing conditions?

When a travel insurance company offers you a policy, they consider the likelihood of you needing to claim on it. If you're doing something potentially dangerous, like skiing say, then you'll need a more expensive policy than someone planning on just seeing the sights of a city, because they're more likely to make a loss on you. Then of course there's the risk involved in covering the person going - certain people are more likely to have accidents than others. This is where pre-existing conditions come in. The idea is that people with, say heart complications, are more likely to need medical attention abroad than those who are as fit as a fiddle. It's worth mentioning too that you need to declare these even if you are on medication that keeps them under control - you never know when something may go wrong, and you'll need your global travel insurance company to foot the bill if the worst happens.

What happens if I keep them quiet?

Probably nothing... IF you don't need to make a claim! If you do need to, and it comes out that you neglected to mention your condition, the travel insurance company are well within their rights to refuse to pay the expense. Make sure you have it in writing that your condition is covered too - take no risks, and you should be fine.

What conditions are likely to be worthy of mention?

Anything that you are taking medication for, or that you have a family history of suffering is worth covering - and if you're in doubt, ask! The last thing you want to find is that your cheap travel insurance was worthless because the benign disease you've carried all of your life suddenly flares up in the sun!

Obviously some illnesses are going to send your premiums up, and these tend to be the ones that put you at a real risk: heart conditions, asthma, diabetes and allergies should be drawn to the insurers' attention. There are certain conditions that many cheap travel insurance companies will flat out refuse to cover: serious kidney problems, strokes, cancer and HIV sufferers are unlikely to find cover, but are doing themselves no favours by buying travel insurance without declaring - because their claim will be turned down anyway, should they need medical attention while abroad. The rule is that global travel insurance is designed to cover unpredictable emergencies, and not the usual protection you'd get in the UK - if you need cover of that kind, then you need to pay that bit extra.

So the lesson of this is that it's worth highlighting any serious conditions you have when ordering your cheap travel insurance, because if anything bad happens relating to the illness, then the policy may not be worth the paper it's written on! It may cost you a little extra by way of premiums, but as of many things in life, here honesty really is the best policy!

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World wide travel insurance provides you with comprehensive and customised insurance package for any kind of emergency situation no matter what your age may be. Cheap travel insurance policies for a range of trip types and travel needs. Travel Insurance companies have a number of levels of travel insurance to suit the different insurance needs of our customers. Annual Multi Trip insurance policy offers cover for those who travel more than once a year, while Single Trip insurance policies can cover travel of up to 365 days.

Certain provisions are to be made in certain instances. In case you decide to extend your overseas stay, the holiday insurance should be able to adjust to your travel needs. Your policy should be flexible enough as well as accommodate for any value that you might add during your holidays while making purchases.

Such travel insurance offers single trip travel insurance cover for 1-12 months for people aged up to 99 years of age , get a quote online. Travel insurance protects you on medical emergencies, flight delay or cancellation, loss of baggage, trip cancellation insurance etc.

World wide Travel insurance can be used to cover the following:

Medical Insurance: covers all your medical and dental expenses. Look out for the procedures of reimbursement of the emergency expenses.

Flight Insurance: a life insurance that safeguards you from any plane crash, and keeps your dependents happy. Here's where you get the least value for your money after all how often do planes actually crash?

Comprehensive travel Insurance : covers your airfare, car rentals, tour etc. better deal for travelers with less of the trip prepaid because coverage is the same regardless of the premium paid.

Interruption insurance and trip cancellation insurance - it covers losses you encounter when you cancel a prepaid tour of flight for an acceptable reason. It covers a host of reasons for cancellation from family sickness to weather that doesn't a flight to occur. If you have an accident you'll be flown home.

Trip Cancellation insurance: when you cancel a ticket or miss your flight due to delay, you will incur a loss of your flight charges. It covers a host of reasons for cancellation from family sickness to weather that doesn't a flight to occur. If you have an accident you'll be flown home.

Baggage Insurance: Your baggage insurance insures items such as jewelry, eyewear, electronics and photographic equipments. If the airline checked your baggage, it is covered by the airline not your rider.

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Annual multi trip travel insurance policies are a cost effective option for those who are considering travel coverage. These policies are feasible for those who plan to travel frequently during the course of the year and each stay is a long one. The maximum duration of each stay can be sixty days.

You can get both individual and family coverage under annual multi trip travel insurance policy. The family policy will cover two adults and all children below eighteen years of age.

An annual policy offers you extensive coverage, which includes up to ten thousand dollars for medical and repatriation and other benefits like vacation abandonment, catastrophe, personal effects, hospital benefit, personal accident hijack and baggage, cancellation and curtailment, personal liability, personal money, missed departure, travel delay and legal expenses.

Travel has become a necessity for almost everyone. Reasons can be different though; some need to travel for work while others travel to run away from their routine. It therefore has become very important for all travel insurance companies to provide all travelers with good insurance coverage. This is the case with annual multi trip travel insurance providers. They need to provide customized and affordable insurance policies to frequent travelers.

If you plan to make frequent trips in the coming year, then it is advisable to purchase multi trip travel insurance coverage rather than a single trip insurance policy. The cost of single trip insurance coverage would cost much more than a multi trip policy. Annual insurance packages provide better coverage at an affordable price. However, before going out and getting multi trip insurance coverage, you first need to figure out your travel plans and then get a customized policy.

At the very least, getting an annual multi trip travel insurance policy makes sense when you plan to travel more than once a year. This ensures that you can save your money and spend it for the right reasons rather than buying insurance for each of your trips.

Annual insurance plans ensure that you get coverage for each and every trip you make during a year, including both short duration as well as long duration trips with stopovers. You can be rest assured that all eventualities that happen while you are traveling will be taken care of by the annual insurance policy that you have purchased.

Buying the right insurance policy for travel purposes is very important as it can be the deciding factor in making your trip a pleasant one. For frequent travelers, multi trip travel insurance can be an unbeatable option when we talk of insurance plans pertaining to travel.

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In any case, you must, even if you are not a frequent traveler or one that is simply going to travel for a short period of time, consider taking short term travel health insurance. You need to start your search for a suitable short term travel health insurance plan by first checking out various insurance companies that specialize in providing travel health insurance.

Having found a company providing travel health insurance you must then narrow your search to then look for the type of short term travel health insurance policies being offered. You can be sure that most companies will offer short insurance plans to suit different categories of travelers including business travelers, students, immigrants as well as worldwide travelers either as individuals or as groups.

You will also find that a company providing short term travel health insurance will offer separate plans for domestic travel and for international travel. A typical short term insurance plan will provide coverage from as few as five days of travel to as many as three hundred and sixty-five days.

Before choosing a particular insurance policy you must also be sure that the policy covers more than illnesses and should cover you for emergency treatment as well as for accidents and perhaps even for coverage for any onset of sudden and acute pre-existing health condition.

A short term travel health insurance is ideally suited for a basic traveler and is equally beneficial for domestic as well as international travel and of course, students are a category of travelers who will benefit the most from such travel health insurance policies. The benefits of having overseas travel insurance are many and whether you are going abroad for a romantic vacation or are planning to indulge in adventure sporting activities; having an insurance cover that protects you even when you are abroad is almost a necessity.

It is not a good idea to travel without having insurance cover for every eventuality; especially, when it concerns your health. Whether you travel once in a while or frequently a travel health insurance (short or long term) will give you peace of mind knowing that you are well protected and this will help make your travels more enjoyable and carefree.

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If you're about to head off traveling, whether it's a business trip, a beach bum holiday or a round-the-world no-holds-barred adventure, you need travel insurance. Anything can happen, and often does - looking at the annual statistics showing the thousands of travellers who get into sticky situations. It's important to know exactly what your travel insurance covers, so you know if you're getting the right cover for you.

What's Normally Included

The following areas are normally covered by travel insurance, but it's important to know to what extent. For example, if you buy certain budget options, you may well be covered for theft of property, but if your laptop is worth $2000, it's a bit pointless if your policy only covers you up to $500. You should also look at the 'excess' - this is the amount you need to pay yourself in the event of a claim, before any payments are made back to you.

o Overseas medical/hospital expenses: The amount you are covered for can differ wildly depending on which policy you opt for. If you have a pre-existing condition, the company should be aware of it, or your cover may be void.

o Overseas emergency medical assistance: As above, if travelling to countries with high healthcare costs, such as the USA, it's a good idea to have this one marked 'unlimited'.

o Luggage/Personal Effects: Consider the figure given for this - if you are travelling with particularly expensive equipment, it should be covered. This also covers travel documents.

o Accidental Death: Arguably benefiting your loved ones more than you, but worth considering.

o Permanent Disability: Most policies cover this.

o Delayed Luggage Allowance: If your clothes arrive a week after you, you might need some fresh ones.

o Personal Liability: If you cause an accident, you'll need to pay damages.

o Cash: Cover for money stolen from your person.

o Cancellation Fees and Lost Deposits: If for any (good) reason you are forced to cancel or delay your trip, such as illness or poor weather.

o Alternative Transport Expenses: such as in the event of flight cancellation

o Additional Expenses: a whole range of unforeseen circumstances can lead to you incurring extra costs.

o Hijacking: An unlikely one, but expensive policies often cover for this. If you're not worried, don't fork out for it.

o Loss of Injury: Again, some more expensive policies will cover you if you sustain an injury overseas and cannot work upon returning to Australia.

o Travel Services Provider Insolvency: In the unlikely event of your airline going bust before you have a chance to board, some policies will have you covered.

Top 5 things to look out for when choosing travel insurance

Many people find it a pain buying insurance, but make sure you don't get caught out!

1. Ensure that if you're likely to do a dangerous activity, such as paragliding or scuba diving, that you check if you're covered for it - many insurance companies hate such activities as they cost them too much money.

2. Make sure that you have enough cover. Medical costs can be huge in certain countries, while budget insurance deals can leave you paying for half of your stolen camera despite being covered. If you're carrying a lot of expensive gear, make sure you're covered for all of it. Also, check what the excess is. If you have to pay $100 and your MP3 player that accidentally went scuba diving with you was five years old already, think twice.

3. Do you have existing medical conditions? You might not be covered - so own up before to make sure.

4. Other general exclusions include acts of war, loss of property due to extreme carelessness, or self-inflicted injury.

5. And finally, make sure you are covered for the full duration of your trip - a common error is to get international dates mixed up - just because your Sydney-bound flight leaves L.A. on the 14th, doesn't mean it's still the 14th when you arrive! Last minute bungles do happen!

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