Will Trip Cancellation Insurance Cover a High Risk Pregnancy? A TravelSort Client may have to cancel an anniversary trip due to a high risk pregnancy, yet we're already within the cancellation window, which would result in forfeiting the 2 night deposit. While the resort will hopefully waive this cancellation penalty, on receipt of a doctor's note, another option, if the trip was booked with a Chase Sapphire Reserve, Chase Sapphire Preferred, or Ink Business Preferred, is to seek reimbursement via the trip cancellation benefit.
What Chase Trip Cancellation Covers
The relevant section of the Chase trip cancellation coverage states that covered loss includes: “…Sickness experienced by you, a Traveling Companion, or an Immediate Family Member of you or a Traveling Companion.”
Obviously a healthy pregnancy is not a sickness, but in speaking with a Chase claims representative, a high risk pregnancy can (but isn't guaranteed) to be covered. It all depends on the individual circumstances. In determining whether the claim is covered, the following is taken into account (note this is not exhaustive):
- The nature and severity of the pregnancy complication/risk
- When the complication was diagnosed
- Current trimester
- When you notified the travel supplier
- The actual doctor's note
You'll have the best chance of having it covered the more serious the condition is, confirmed by the diagnosis and your doctor's note, if it's your first or second trimester and if you notified the travel supplier as soon as you received the diagnosis and physician's instructions not to travel.
What Chase Trip Cancellation Doesn't Cover
Generally Chase won't cover claims when they are made in the woman's 3rd trimester, which can be a risky time to travel anyway, even for otherwise healthy pregnancies. Also note that if already pregnant at the time the trip was booked, that counts as a pre-existing condition, which is not covered.
If you or your partner is pregnant at the time you're booking a trip that has a non-refundable deposit or trip payment, I recommend purchasing separate trip insurance, such as Travel Guard Gold (if available in your state), since you can include pre-existing conditions if you purchase trip insurance within 15 days of your initial trip payment.
Have you ever had to cancel or interrupt a trip due to a high risk pregnancy in the family?
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Very helpful, thank you for the information!