• Apr 23, 2025

How to Claim Trip Cancellation Due to Pregnancy

Trip cancellation due to pregnancy may be covered under certain travel insurance policies or airline/hotel cancellation waivers. Understanding the documentation requirements and claim process is essential for a successful reimbursement.

1. Review Your Travel Insurance Policy

• Check if your policy includes pregnancy-related cancellations (typically only covered for complications or high-risk pregnancies)
• Note any gestational age limits (many policies exclude claims after 28-32 weeks)
• Verify required documentation from your healthcare provider

2. Gather Required Documentation

• Doctor’s note stating medical necessity for cancellation
• Proof of pregnancy (ultrasound report or medical records)
• Original booking confirmations and receipts
• Cancellation invoices from travel providers

3. Submit Your Claim

1. Contact your insurer immediately after cancellation
2. Complete all claim forms accurately
3. Attach supporting documents (certified translations if needed)
4. Keep copies of all submitted materials
5. Follow up within the insurer’s processing timeframe (typically 15-30 days)

Alternative Options If Insurance Denies Claim

• Request travel credits from airlines/hotels (many offer pregnancy exceptions)
• Dispute the denial with additional medical evidence
• File a complaint with your state’s insurance regulator if applicable

Note: Standard pregnancy without complications is rarely covered. Policies that do provide coverage often require cancellation to occur within 14 days of a doctor’s determination of non-fitness to travel.