Am I covered when I am pregnant?

There are terms and conditions relating to pregnancy under the policy. They are:

Section C, Personal Accident will not cover claims in respect of claims arising from pregnancy.

Under Section A, Cancellation or Curtailment and Section B, Medical and Other Expenses we will not cover claims arising from pregnancy where the period of the trip terminates less than 16 weeks before the date of delivery as estimated by a Hospital or Registered Medical Practitioner. However where the insurance has been effected prior to confirmation of the pregnancy by such Hospital or Registered Medical practitioner and in the event of You effecting immediate cancellation of the trip upon receipt of such confirmation We will indemnify You under Section A.

N.B. - Important. If you have an Annual Insurance policy, regarding the second part of exclusion 7. above ('however where the insurance has been effected prior to confirmation of pregnancy...') It must be noted that each time you book a trip the insurance is considered to become effective again at this date and expire when you return to the UK, then remains dormant until you book another trip, therefore this part of the exclusion would only apply to any trips that you have booked and the insurance was effective before you discovered you were pregnant.