Do you have to declare you are pregnant for travel insurance?

I am 17 weeks pregnant and going on holiday next week - when I booked the holiday the agent (when trying to sell me their travel insurance) said "Oh you're pregnant" like it mattered. Anyway their insurance was expensive so when finding cheaper online I noted there is no space to declare that I am pregnant on the online booking form - does it matter? Do I need to declare it?

It probably depends policy to policy - Have you got your EHIC yet? It's the replacement for an E111 form that entitles you to treatment in another EU country. I think it then says that the NHS will pay the country your in back or something I don't know!!

I would expect that the best policies would want it declared, but you might want to just read through all the small print of the one you want to find out.

Try the link - http://www.dh.gov.uk/en/Policyandguidance/Healthadvicefortravellers/Gettingtreatmentaroundtheworld/EEAandSwitzerland/DH_4114793

EDIT: It says this look!! Your EHIC should cover you for routine maternity care while you are away. However, if you are going to an EEA country or Switzerland specifically to have your baby, you will need an E112 form - see the 'Non-emergency treatment section' for more information.

I don't know if you'll be in time to get it through though!!

EDIT: This one tells you what you get in Spain, which includes the canaries xx

http://www.dh.gov.uk/en/Policyandguidance/Healthadvicefortravellers/Gettingtreatmentaroundtheworld/EEAandSwitzerland/EEAandSwitzerlandbycountry/DH_4114717

YES DEFINITELY.If you do not declare it and require medical assistance in relation to your pregnancy the insurance will be null and void and you will not get financial renumeration.Please don't forget that insurance companies will use anything against a claimant to get out of paying and they WILL say that as you failed to declare your pregnancy the insurance you took out was inadequate.You need to speak to the insurers over the phone before you apply online to ensure you will be covered.

I would think so if they ask health questions...

yes, its good for both; you and your baby ....

I don't think that it does.

I have never gotten travel insurance when I was pregnant. As long as your doctor says its ok to fly then go for it. You might feel a little nauseous but you will be fine!!

Hiya lovely Fraggle hunter

never seen any insurance form ask if you're pregnant - none of their business. As long as your doctor has no objections to you flying, then there's no medical issue.

Have a great holiday, we'll miss you but you deserve a nice break

I think you do.

it would be best to tell the insurance company.

It really is best to make enquiries with the travel company just in case it matters.They wont stop you flying but if you do not let them know then they may do.You dont want all that hassell for the sake of a phone call do you?

I truly don't know, but this is my guess. If you are pregnant you could be more sensitive to injury or death. You are essentially carrying two lives around. If you lose the baby in an accident, but you survive; I believe you'd expect monetary compensation. I believe you must declare that you are pregnant to protect yourself and your unborn child. Anything else would be fraud.

"Niamh" I'm writing this about "Niamh's" comment below. He is right, insurance companies are crooks and will do about anything so they don't have to pay. I read this story about 20 years ago about how insurance companies would try to devalue a person's life so they could pay very little. A man was killed in an airline accident. The insurance company noted that this man had never been married. So they went to court and proposed this: The man lived in a Florida city with a large gay population, seeing as how this guy was never married they said that he was gay and therefore must have AIDS. Therefore his life wasn't worth much since he would've died soon anyways. So much for insurance companies.

You don't have to say that you're pregnant but you should be aware that many companies won't cover medical complications arising out of pregnancy if the EDD is close to the date of return.

For 20 weeks there should be no problem - but always check the policy wording.

I would email the company to find out what their coverage is. Most travel insurance will cover pregnant women up to 26-27 weeks. After that, it's really hard to find any coverage. You should be fine, but I'd get the fine print first.

Much depends on how you value your life and your childs?

I think if you look at the small print on the cheaper version you will find you are flying uninsured.

Cabin pressure, medical attendance in flight, agreements with Countries you are flying over.

Flying whilst pregnant is high risk compared to flying when not; you get what you pay for.