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Old Jun 6th, 2012 | 05:11 PM
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flight insurance

I have a bit of an odd question. My brother is getting married in Florida this september (I live in Pennsylvania) and I am currently pregnant. My due date is exactly 3 weeks before the wedding, but I'm a little nervous that I could be up to a week late, leaving me with less than 2 weeks from our anticipated travel date.
I've been reading some travel insurance policy information and most will not cover flight cancellations for a pre-existing medical condition. Most of them only talk about being pregnant at time of travel, but I'm worried I could have complications from labor or that my baby will not be able to travel with us for some reason. I can't determine if giving birth is a "pre-existing" medical condition or if I will be able to cancel my flight should anything unexpected come up.
Does anyone have any experience with this or know where I could get more information?
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Old Jun 6th, 2012 | 06:09 PM
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I can't help you at all... But I wanted to suggest you also post your question on the Fodor's Air Travel forum, if you haven't already. There are some really flight-savvy posters over there who don't necessarily look at the US board.

Congratulations for the baby (and to your brother!), and good luck with the travel!
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Old Jun 6th, 2012 | 06:29 PM
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My best suggestion would be to call some travel insurance companies and then get what ever they say in writing, if you can.

While everything might go just dandy, you may simply not be up to travel so soon after having the baby. And traveling with a 2 week old baby, not sure how that will go. I sure would not have felt like hoping on a plane 2 weeks after having my first baby [guessing this is your first], and I had no complications.

Good luck!
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Old Jun 6th, 2012 | 06:31 PM
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Depending on your airline, if there is an issue you can pay a nominal "change fee" to fly at a different time.
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Old Jun 6th, 2012 | 07:11 PM
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When we were planning a trip a few weeks before my DDIL's due date, I was worried that we might need to cancel our vacation so I could be there to take care of my other three grandchildren. I spoke to a very knowledgeable person from insuremytrip who, unfortunately, couldn't find any insurance that would provide the coverage I needed. I'd still recommend going on their website and then calling.
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Old Jun 7th, 2012 | 04:09 AM
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September is the height of the Florida hurricane season, and lots of flights are cancelled every year.

Would you consider Amtrak? You could get a room for you and Baby where you would have privacy to nap and your own bathroom.

If you paid more for your airfare, you could get a refundable flight and have maximum flexibility.
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Old Jun 7th, 2012 | 07:29 AM
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To add another thought to Ackislander- Think about taking the Auto Train from Lorton VA to Sanford FL. this gives you a lot of flexibility.
You can pack a lot of stuff in your car for the trip south compared with the overnight trip on either of the Silver Service trains.
You can buy your Amtrak tickets about 15 days before travel for a lower bucket price.
Your SO could drive back home over two days depending on what part of Florida you visit.
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Old Jun 7th, 2012 | 07:34 AM
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First, I think this is a question you should be asking your doctor, not us. Should you be flying so soon after giving birth, even if you are on schedule? For insurance purposes, I'm sure this is a pre-existing medical condition, but it may not be covered at all depending on the fine print of your policy, so look at that online before buying anything.

But if you can be covered, I would definitely buy insurance. Though in truth last-minute flights to Florida in the fall aren't usually much more expensive than advance-purchase tickets. You may very well be able to wait until 2 weeks before the wedding to book your trip and just be fine in terms of cost, depending on your destination in Florida. You'd be looking for a 14-day advance purchase fare, which is often as low as it gets in the off-season.
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Old Jun 7th, 2012 | 07:57 AM
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I agree with Doug but have to ask: from where in PA to where in Florida?

Suppose the wedding was this Saturday, day after tomorrow, and you want to leave tomorrow and return on Sunday.

If you would be flying from Pittsburgh to Orlando then you could get connecting flights on United or others for only $241 or nonstops on Air Tran for $393.

But, if you would be flying Harrisburg to Jacksonville then connecting flights would be $650 and no nonstop options.
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Old Jun 7th, 2012 | 07:58 AM
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those are roundtrip ticket prices
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Old Jun 7th, 2012 | 08:21 AM
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For September 15-17: PIT-MCO for $239 connecting or $276 nonstops. MDT-JAX is $450.

But to answer your question about insurance: I would not count on anyone's post here about whether or not your situation would be covered. The conditions may vary between insurers and depend on which state you live in.

I suggest that you go to the booking site where you are likely to book the trip and do a search for flights on your dates. Select the flights and get to the point where it asks if you want to buy insurance and click on the link to the terms and conditions for the insurance.

I did this (at travelocity) when I searched for the September fares. Travelocity offered Travel Guard insurance. Right at the top was a phone number that you can call for info.

That phone number was under the heading "State Info". The paragraph states that the document shown is not applicable to residents of certain states, including Pennsylvania. For the PA info you would go to a travelguard webpage or call the toll free number.

The experiences of random fodorites might not be applicable to you.
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Old Jun 7th, 2012 | 08:24 AM
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Which is pretty much what others have said about calling, except that the only number that I would call would be the company that I would actually be buying the insurance from.
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Old Jun 7th, 2012 | 09:03 AM
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Sorry - but have you talked to your pediatrician about taking a one or two week infant on a plane? I think there are a lot that will say the baby is too young to fly.

Also - it's perfectly possible that you can be more than a week late. A co-worker of mine recently delivred more than 2 weeks late.

Separately, almost 30% of births are c-sections - and I'm not sure how your MD would feel about your flying so soon after surgery.

I would definitely consult with your MDs and consider alternate arrangements to get there.
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