Will travel insurance cover cancellation claim for pregnancy if only one parent stays home (Dad)?

silvercar

Voyager2002 said:

I think you should discuss the situation with your friend, and make it clear that you are happy to attend a ceremony in the UK. If she wants you to be with you, she might reconsider getting married abroad, and/or arrange an additional event closer to home for the people like who are unable to travel.

Your plan is not something that insurance would cover, for all sorts of reasons.

I don’t think it is right for a friend of the bride to make suggestions or demands on where the wedding should be held. Bride’s choice.

DullGreyGuy

marcia_ said:

 Don't know why everyone is saying the insurance won't cover pregnancy. I bought insurance and declared pregnancy along with other medical conditions. I was insured to fly, premium was higher but to be expected. 

Think you are misunderstanding it @marcia... no one is saying you cannot buy insurance or travel if you are pregnant but if your due date was the 5th October and your holiday was booked 1st Oct to 14th Oct the insurer wouldn't cover you for cancelling the holiday because you've gotten pregnant, nor will cover you for the routine birth of the baby whilst overseas. It will however cover complications of pregnancy, in most cases, though some still add an upper limit to that. 

Normal pregnancy fails to meet the definition of illness or injury hence doesn't trigger payments for routine pregnancy. The FOS has many examples, most of those that are upheld are an accidental pregnancy post buying and where due to Zika or Malaria the Foreign Office says not to travel if pregnant. The FOS accepts that under the terms of the policy this isn't a valid reason for cancellation but the policy also doesn't cover travel against FO advice so in the consideration of fairness decides the insurer should pay out as its lose lose for the customer. 

Exodi

marcia_ said:

 Don't know why everyone is saying the insurance won't cover pregnancy. I bought insurance and declared pregnancy along with other medical conditions. I was insured to fly, premium was higher but to be expected. 

How far along were you, if you don't mind me asking?

I'd expect there's a difference between someone flying 25 weeks pregnant (where the insurer is effectively insuring against complications) and someone hoping to fly 35+ weeks pregnant (where the insurer is being expected to effectively insure for the childbirth). 

SnoozleBoozle said:

if I fall pregnant in January for a due date in October, would a travel company cover that [flying in October]?

Regardless of whether they would or wouldn't (and I expect they wouldn't and most airlines restrict passengers flying at certain terms), I think you should ask yourself whether you should or shouldn't (given the background).

Personally, my wife is pregnant and the last thing on Earth I'd want is for my wife to go into labour in some resort in Malta and have to be taken to what is allegedly a hospital on the back of a moped. 

marcia_

Exodi said:

marcia_ said:

 Don't know why everyone is saying the insurance won't cover pregnancy. I bought insurance and declared pregnancy along with other medical conditions. I was insured to fly, premium was higher but to be expected. 

How far along were you, if you don't mind me asking?

I'd expect there's a difference between someone flying 25 weeks pregnant (where the insurer is effectively insuring against complications) and someone hoping to fly 35+ weeks pregnant (where the insurer is being expected to effectively insure for the childbirth). 

SnoozleBoozle said:

if I fall pregnant in January for a due date in October, would a travel company cover that [flying in October]?

Regardless of whether they would or wouldn't (and I expect they wouldn't and most airlines restrict passengers flying at certain terms), I think you should ask yourself whether you should or shouldn't (given the background).

Personally, my wife is pregnant and the last thing on Earth I'd want is for my wife to go into labour in some resort in Malta and have to be taken to what is allegedly a hospital on the back of a moped. 

 18 weeks and we were away 2 weeks. Airline's are very cautious of pregnant women. Most have a limit on the number of weeks you can be, varies between airlines. I had back ache boarding and was quizzed if I was fit to fly, thought she was going to remove me but I persuaded her i was fine. 

Voyager2002

silvercar said:

Voyager2002 said:

I think you should discuss the situation with your friend, and make it clear that you are happy to attend a ceremony in the UK. If she wants you to be with you, she might reconsider getting married abroad, and/or arrange an additional event closer to home for the people like who are unable to travel.

Your plan is not something that insurance would cover, for all sorts of reasons.

I don’t think it is right for a friend of the bride to make suggestions or demands on where the wedding should be held. Bride’s choice.

I agree that tact is needed.

An apology for being unable to travel abroad would be polite, along with regret for not being with her friend on such an important occasion. Adding an assurance that she would be pleased to attend any kind of event in the UK would be a useful supplement to this.

Certainly demands would be tacky and inappropriate.

Voyager2002

silvercar said:

Voyager2002 said:

I think you should discuss the situation with your friend, and make it clear that you are happy to attend a ceremony in the UK. If she wants you to be with you, she might reconsider getting married abroad, and/or arrange an additional event closer to home for the people like who are unable to travel.

Your plan is not something that insurance would cover, for all sorts of reasons.

I don’t think it is right for a friend of the bride to make suggestions or demands on where the wedding should be held. Bride’s choice.

I agree that tact is needed.

An apology for being unable to travel abroad would be polite, along with regret for not being with her friend on such an important occasion. Adding an assurance that she would be pleased to attend any kind of event in the UK would be a useful supplement to this.

Certainly demands would be tacky and inappropriate.