travel insurance while pregnant / how late can you travel?

My husband and i have trips to the US booked for next month and for Thanksgiving and are still covered by our annual travel insurance policy that ends on 15 December 2010.  If I were to become pregnant during this time, I am wondering what I would do should a complication arise while in the US.  I've checked the policy wording and it lists this exclusion to medical benefits, repatriation expenses, and curtailment:

"Any claim resulting from a pregnancy, or complication thereof, which would
normally have exceeded 32 weeks at the end of the Period of Insurance"

I'm not sure I am reading this right--does this mean the pregnancy is covered as long as the trip is completed before the insurance ends?  It couldn't be considered a pre-existing condition if the insurance is purchased/trips were booked before I know I am pregnant, yes?

If I am reading this completely wrong, does anyone know of any other policy I could look into that would cover pregnancy?

Another question: how late have people flown while pregnant? 

You also need to check.... some airlines won't let you fly over a certain date in your pregnancy either......

I flew back from the US to the UK when I was 30 weeks pregnant. My insurance covered me up until 32 weeks.

Oh - and almost all airlines will allow travel up until 38 weeks (some are 36) as long as you have a doctors note. I know KLM, BA, Delta, United, NW and Virgin all allow this.

Most airlines let you fly until 36 weeks. I flew from the US to Hong Kong at 31 weeks.

I flew back to the UK from the US at 33 weeks on United.

Back in 2005 I flew to the US when I was 7 months pregnant. (Got me some boiled peanuts too.) The airlines didn't require a letter from my doctor, but my baby's father did. I got one to make my life easier. This is how the process went:

Made an appointment.

8am. Grumpy Dr Ian Anderson.

Me: I'd like a letter from your clinic my pregnancy is in good working order. I'm flying out to the US in two weeks and would like to carry it with me.

Him: This is a service that goes above and beyond of what we offer. It'll be an extra charge of £20. Wait. I'm not sure about doing this since I'm not fully aware of your past medical history.

Me: Fair enough. But this is my first pregnancy. And I got pregnant in England. And if you have any questions about my previous medical history, you can call my American GP. She'll oblige. She's reeeeeal nice.
Besides, I thought it would be adequate the letter just affirm my pregnancy is going well. Any past health afflictions shouldn't matter, right?

Him: Hmmmmm hmmmmmm hmmmmm hmmmmmm.

Me: Well, if you can't issue a letter in good conscience, I understand. Bye Dr Anderson.

Him: Hang on a minute, I'll issue the letter about your pregnancy running smoothly to our knowledge.

Me: Thanks so much, I really appreciate it.
(He's typing the letter) By the way, were your parents Jethro Tull fans?

Him: (Scowl) No.

_____________


Anyway, that's how I got my letter. It didn't mean crap at the time, but it gave the better half peace of mind.

thanks for the replies, everyone!  it's good to hear how far into a pregnancy everyone else flew!