There’s a trend these days for couples to enjoy a “babymoon” before their babies are born – that is, to have a little getaway, enjoy some quality time together and relax before that little bundle of joy arrives and sleepless nights set in.
It’s a cute idea for those who have the time and resources and let’s face it, what new mum or dad isn’t at least slightly anxious about impending parenthood?
I’m all for the idea in theory but there’s one really big thing to think about that a lot of people seem to be forgetting: their travel insurance.
Being an expectant mum myself, I’m seeing lots of women considering babymoons which is great, but what concerns me are two trends: travelling without insurance, or travelling with insurance and assuming baby is covered. Here’s a little newsflash that surprises a lot of people: baby won’t be covered if you travel overseas.
For Australians, travel interstate is fine because pregnancy will always be covered by Medicare (the joys of being a citizen of a country with such a scheme). If you travel on a cruise though (even if it’s a domestic cruise) or you fly out of the country this is where expectant parents really need to consider the risks far more thoroughly than they have been.
On a standard policy (bearing in mind this is a generalisation, however it is based on experience and in-depth conversations with several insurance companies) a woman with a single pregnancy would be covered up to about 26 weeks (depending on the policy) provided she has experienced absolutely no complications whatsoever. This 26-week limit means all travel must be completed by then, NOT that you must depart by then. It’s usually about 18 or 19 weeks for women pregnant with multiples.
But here’s the trick: while the mother is covered, the baby isn’t. This means that the mother could go to the hospital complaining of pains and be treated but the minute the decision is made that the baby is to be delivered, that’s it. Cough up the dough because the insurance company won’t be.
Consider the risks of this: what if a mother went to say, Fiji or Bali for a week at 25 weeks, fully intending to be home by the 26 week mark. While away, she goes into spontaneous labour and needs to deliver. At 25 weeks the foetus is viable and is born alive, but now needs three months of round-the-clock care in the NICU of the hospital. Sorry, but those parents will be paying. Not to mention having to stay in that country for the whole time, paying for food, accommodation etc and not going to work. Can you imagine?
Or, on the most awful end of the scale, consider the tragic case of the lady who this week delivered her baby at 24 weeks on board a flight from Kuala Lumpur to Brisbane. The plane needed to be diverted to Denpasar and unfortunately the baby passed away. No post-natal care would be provided for this woman and the repatriation cost of her baby’s body wouldn’t be covered either.
As ridiculous as much of this may sound, I’m yet to come across a policy that works differently (but if you happen to come across one let me know!)
My advice: ALWAYS read your Product Disclosure Statement, ask as many questions as you can and really consider if a particular policy is right for you – or indeed, if the risk is worth it.