How could pregnancy affect you big day?
There's no reason why being pregnant on your wedding day should stop you enjoying it to the fullest but there are a few things that you will need to think about, though.
A wedding can be a stressful experience, especially when so much planning and organising goes into it. There may be things that you can't do whilst pregnant, so think about what impact this might have and if there is any additional cover you'll need to have in place.
If you have complications, especially during your final trimester, you may need hospital care or be confined to bed for a period of time.
If your wedding is taking place overseas, will you be able to fly when the big day arrives? Most airlines will not let you travel after week 36 of pregnancy, or week 32 if you're expecting twins or triplets. Check with your airline to find out their regulations.
Does wedding insurance cover getting pregnant?
There is likely to be some cover on your wedding insurance policy for pregnancy. If you take out a comprehensive wedding insurance policy you will be covered against things like cancellation, failure of suppliers, photos, rings and any many others. It's important that you asses the policy when you're looking for wedding insurance to ensure you'll be covered whilst pregnant.
As pregnancy doesn't constitute an 'unforeseen circumstance' you may find that you are not covered against cancellation and rearrangement. This is perhaps the main cover you will want to have, so check your policy document carefully.
When are you covered?
Some insurers will only cover you if the wedding is after the first twelve weeks of the pregnancy, and the birth is expected more than three months after the wedding. Others will not cover claims caused by pregnancy if you will be more than 26 weeks pregnant by the end of the wedding.
If you find out you're pregnant a few months before your wedding day think about what stage you will be on the planned day, and shop around to find a policy that will provide you with the cover you need.
Insurers will cover cancellation if any member of the main wedding party is unable to attend - not just the bride. So if one of the bridesmaids is pregnant then the same cover should apply, but this is something that you should confirm with your provider first.
You'll need to inform your insurer if you have any existing medical conditions that could impact on your pregnancy. If you don't you could find you're not covered should you need to make a claim.
If you're pregnant and looking for wedding insurance it's important you shop around and find the policy that gives you the cover you need. Not only will you need to look for the best levels of cover and the best price, but study the insurance policies to find out what the restrictions are if you're pregnant.
Be sure to look at a variety of policies so you can be sure you're getting the best wedding insurance against pregnancy for your needs.
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