Traveling with a little extra luggage? Congratulations on your baby news! If you’re heading off on a babymoon, or for any other reason while pregnant, you’re definitely covered for most items listed in your travel insurance policy. Where it gets a little technical is if you’re needing to claim for certain hospital or medical emergency expenses that are related to your pregnancy, including childbirth.
Pregnancy is viewed as a pre-existing medical condition and many benefits are available to expectant mothers. See here for details
Your due date play an important role in whether you can get cover or not.
You are covered up to 26 weeks in the case of a single baby, and 19 weeks in the case of a multiple pregnancy.
Cover is provided to you, but not provided for childbirth or the health of a newborn child.
For full details see pages 56 to 56, and 60 to 63 of the PDS
For extended cover while pregnant overseas, we offer an additional product called our Pregnancy Pack. Would you like to know more about that?
We will not pay medical expenses for:
- regular care following the birth
- childbirth, regardless of the stage of pregnancy
- newborn care
- repatriation of your child
At a certain point in pregnancy, doctors advise that long trips are not the safest idea. Having a baby overseas in a medical emergency is no doubt the last thing you’d want. So if you’re at, or passed 26 weeks of your pregnancy, or 19 weeks with twins or more, you’re advised not to travel, and are not covered for pregnancy-related medical expenses.
You are also not covered for medical expenses if you are undergoing fertility treatment, either now or before you start your trip, and, if you have experienced any pregnancy complications or other health complications that you have been advised may adversely affect the pregnancy.
For extended cover while pregnant overseas, we offer an additional product called our Pregnancy Pack. Would you like to know more about that?
A pre-existing medical condition is:
- pregnancy
- a medical condition where you are aware of the symptoms, or a related complication you know about
- a medical or dental condition where you have received, or are waiting for, medical treatment
- any condition for which you take prescribed medicine
- any condition for which you have received surgery or attended hospital
- any condition for which you have received, or are waiting for, tests, investigations or consultation with a medical specialist
- any condition for which you have received or been advised to attend a follow-up consultation; or
- any chronic or ongoing medical condition or terminal illness
This definition applies to you, your travelling companion, a close relative, or any other person.
Do you need to make an emergency claim right now? You can call +61 2 8256 1794 from anywhere in the world, and reverse the charges.
If you are overseas and need to get in touch, you can also reach us by email: claims@travelbyus.com
So we can help you as quickly as possible, have your policy number handy when you call. If you don’t have it with you, don’t worry, we can look it up. We’ll just need to run a few questions by you first for security reasons.
If you’ve been caught up in an accident, injury, or sickness and think you might need hospitalisation or evacuation back to Australia, call us – or have someone call on your behalf – straight away, anytime.
Please keep in mind that for us to assist you with an overseas medical emergency or evacuation claim, you need to have called us first to discuss the situation before starting treatment.
Like most travel insurance companies, we charge an excess on many claims, like emergency dental costs and trip cancellation fees.
The excess we charge is $100. This applies per person and per event. So for each item you claim for, an excess payment of $100 is needed. Excess is deducted from any payment we make to you after you claim.
To see which items attract excess, see the Summary of Cover in the Product Disclosure Statement.
Our claims process is easy and fast. If you need emergency assistance, call our 24-hour emergency line immediately for guidance on what to do next. So we can help you as quickly as possible, have your policy number handy when you call. If you don’t have it with you, don’t worry, we can look it up. We’ll just need to run a few questions by you first for security reasons.
In an emergency call +61 2 8074 5522 and reverse the charges.
For all emergency and non-emergency claims, you’ll need to complete a postal claim form. In our step by step guide, you can download the right form for your claim, as well as find out about the support documents you’ll need to send along with your claim. If you need help filling out your claim form, call us on +61 2 8074 5522 and we’ll be happy to point you in the right direction. Looking for more ways to contact us?