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Best Travel Insurance for Pregnancy 2019 Singapore

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It's very important to consider a travel insurance especially when you are going oversea and pregnant. In Singapore normally the travel insurance has a general exclusion for pregnancy or miscarriage.  

if you are currently pregnant, I believe the most concern related to travel insurance and pregnancy would be: 
  • will the travel insurance cover trip cancellation related to pregnancy condition? 
  • will I be covered during if I need to seek medical attention / emergency while oversea related to pregnancy or miscarriage? 
It's important that you read the policy wording for your travel insurance to make sure that it's covering pregnancy related. 

I did some research on which travel insurance best cover the pregnant mommy in Singapore. 

1. Chubb Travel Insurance. 









in their general exclusion, it's stated that it will not cover any condition which is, result from a complication of pregnancy, childbirth, miscarriage except due to accidental injury.  Means that if you happened to have a car accident which result to a miscarriage, they will cover the medical treatment for that. 

2. FWD Travel Insurance








FWD travel insurance doesn't cover the pregnancy, childbirth, miscarriage and any complication arising from pregnancy condition. 

But under their Emergency Medical Evacuation: "Any childbirth or pregnancy complications, unless these complications endanger the mother’s life, or the unborn Child/Children’s
life (only if pregnancy is at six-months or more)."  to be covered under the emergency medical evacuation, the pregnant mom need to fulfill these two conditions: Endager the mother's life / child and the pregnancy must be at six-months or more. 

3. Allianz Travel Insurance 





Allianz Travel insurance under their general exclusion, it doesn't cover any medical expenses related to miscarriage or any other medical condition related to pregnancy. 

make sure that you choose Allianz Singapore, it looks like Allianz in US does cover some pregnancy related medical attention. 


4. MSIG Travel Insurance 



MSIG covers medical expenses oversea for pregnancy related illness but under the exclusion it does not cover the ectopic pregnancy, miscarriage (unless is due to an injury) and the most important point is no 8, you can't claim under this if the pregnant mother is a citizen / permanent resident of the country that you are going to visit. 

For trip cancellation, the condition: Death, serious injury or serious illness of the insured person or their family member or travel companion as long as we receive written confirmation of the nature of the serious injury or serious illness from a doctor. but under general exclusion it says "Childbirth, miscarriage, abortion, menopause or any pregnancy related conditions with exception to cover under section 11 – Maternity medical expenses overseas"  so I believe that it doesn't cover trip cancellation related to pregnancy.  

5. Sompo Travel Insurance 




Sompo (TravelJoy) only cover miscarriage caused by accidental falling with external injury or traffic accident, subject to the limits of the policy. All other pregnancy-related issues will not be covered.


6. AXA Travel Insurance


AXA covers Medical Expenses Pregnancy Related expenses during the trip. 

But it doesn't cover medical expenses related to ectopic pregnancy, miscarriage (except because of accident) 

and under their General exclusion, point 2.C. it has pregnancy related exclusion, means you will not be able to claim for travel cancellation due to the pregnancy condition. 


7. Aviva Travel Insurance




I would say that Aviva has a better cover in terms of pregnancy related medical expenses even though it doesn't cover normal pregnancy related like nausea etc. But for me personally, my concern is more towards an emergency medical coverage such as miscarriage, bleeding, etc.  



 And Aviva does cover the trip cancellation because of pregnancy related condition which other travel insurance doesn't.

take a note that for 12b trip cancellation for any reason, you need to purchase the policy within 7 days after you bought the transport ticket / hotel booking. and the trip cancellation for any reason only applicable for Plus category and Prestige.

another fine print: your pregnancy related issue is only claimable if you are 28 Weeks or below. during trip.


Summary: 

I like Aviva with the coverage for the Emergency Medical Expenses related to the pregnancy and trip cancellation because of the pregnancy related issue, which I don't see in other travel insurance in Singapore so far. so if you are below 28 weeks (at the end of your trip) my first pick would be Aviva and buy the travel insurance policy within 7 days after you bought your ticket. 

second pick would be AXA if you are in the third trimester, yes it doesn't cover the trip cancellation related to pregnancy but at least the policy has a coverage for medical expenses related to pregnancy (exclude some condition like miscarriage). 

I hope that this would help you to decide with travel insurance to pick during your pregnancy. 

This post is updated on 7th February 2019. I suggest that you always check the travel insurance wording policy before buying travel insurance as it may change any time, If you've other insurance that you want me to review please leave it at the comment.

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Abdelghafour

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