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Compare Travel Insurance › Travel Insurance Tips › Pregnancy Travel Insurance Guide

Pregnancy Travel Insurance Guide

28 October, 2019 By Eugene Wylde

Most of us know the importance of purchasing comprehensive travel insurance and the peace of mind it brings. So when it comes to travelling during pregnancy, whether you’re jet setting to an island resort to put your feet up, or heading to a comforting family home abroad, it’s important to get travel insurance that covers you and your unborn baby.

The good news is, several Australian companies cover expectant mothers who wish to travel, and we've done the research to make it easy to find cover.

Pregnancy Travel Insurance In Australia

Your due date and past pregnancy complications play an important role in whether you can get coverage or not. Some insurers consider pregnancy to be a pre-existing medical condition and a medical assessment may be required before you can buy cover. Many cover uncomplicated pregnancies up to a certain gestation without any fuss (usually up to around 19-24 weeks, but it can be up to 36 weeks); and there are some insurers that simply will not cover pregnancy-related complications during your travels at all.

How Many Weeks Pregnant Will You Be?

Many of the insurers listed in the table will cover you for unexpected pregnancy complications up until a certain stage in the pregnancy.

Click the 'plus sign' for more detail on the terms of cover for each insurer.

Insurer	Single pregnancy max gestation cover	Single pregnancy without complications	Single pregnancy conceived through assisted reproduction services	Multiple pregnancy without complications	Multiple pregnancy conceived through assisted reproduction services	Pregnancy complications experienced prior to a policy being issued	Action
1300 Insurance	23 Weeks	Automatically covered up to and inclusive of the 23rd week of gestation	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply
1Cover	24 Weeks	Automatically covered up to and inclusive of the 24th week of gestation	Automatically covered up to and inclusive of the 24th week of gestation providing no complications	Automatically covered up to and inclusive of the 19th week of gestation	Automatically covered up to and inclusive of the 19th week of gestation providing no complications	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	Go To Insurer
AIG	26 Weeks	Automatically covered up to and inclusive of the 23rd week of gestation	No pregnancy related cover offered	No pregnancy related cover offered	No pregnancy related cover offered	No pregnancy related cover offered
AllClear	36 Weeks	Covered up to and inclusive of 36th week gestation. You must declare all pre-existing conditions.	No mention of IVF or assisted pregnancy in the Product Disclosure Statement.	Covered up to and inclusive of 32nd week gestation. You must declare all pre-existing conditions.	No mention of IVF or assisted pregnancy in the Product Disclosure Statement.	Cannot declare pregnancy-related pre-existing conditions, as pregnancy is not considered unforeseen or unexpected. Other conditions must be declared. Additional premiums may apply.	Go To Insurer
Allianz	23 Weeks	Automatically covered up to and inclusive of the 23rd week of gestation	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply
Amex	24 Weeks	Automatically covered up to and inclusive of the 24^th week of gestation	No pregnancy related cover offered	Automatically covered up to and inclusive of the 24th week of gestation	No pregnancy related cover offered	No pregnancy related cover offered	Go To Insurer
Australia Post	26 Weeks	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	Requires an online medical assessment to be completed
Boomers	23 Weeks	Automatically covered up to and inclusive of the 23^rd week of gestation	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	Go To Insurer
Bupa Australia	24 Weeks	Automatically covered up to and inclusive of the 24^th week of gestation	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	Automatically covered up to and inclusive of the 24^th week of gestation	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply
Columbus Direct	30 Weeks	Automatically covered up to and inclusive of the 25th week of gestation. You can apply to extend cover to include trips up to the 30^thweek of pregnancy, and to include cover for childbirth and care of a newborn from week 26 to week 30 for an additional premium	No pregnancy related cover offered	No pregnancy related cover offered	No pregnancy related cover offered	No pregnancy related cover offered	Go To Insurer
CommInsure	23 Weeks	Automatically covered up to and inclusive of the 23^rd week of gestation.	No pregnancy related cover offered	No pregnancy related cover offered	No pregnancy related cover offered	No pregnancy related cover offered
Cover-More	23 Weeks	Automatically covered up to and inclusive of the 23^rd week of gestation	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply
Easy Travel Insurance	26 Weeks	Automatically covered up to and inclusive of the 26^th week of gestation	No pregnancy related cover offered	Automatically covered up to and inclusive of the 26^th week of gestation	No pregnancy related cover offered	No pregnancy related cover offered
Fast Cover	23 Weeks	Automatically covered up to and inclusive of the 23^rd week of gestation	Includes cover without complications up to 23 weeks of pregnancy.	Automatically covered up to and inclusive of the 23^rd week of gestation	No pregnancy related cover offered	No pregnancy related cover offered	Go To Insurer
Go insurance	20 Weeks	Automatically covered up to and inclusive of the 20^th week of gestation	No pregnancy related cover offered	Automatically covered up to and inclusive of the 16^th week of gestation	No pregnancy related cover offered	No pregnancy related cover offered
Insure4Less	18 Weeks	Cover available and includes unexpected medical complications up to 22 weeks gestation from the date the policy ends, where no complications exist	No pregnancy related cover offered	No pregnancy related cover offered	No pregnancy related cover offered	No pregnancy related cover offered
InsureandGo	32 Weeks	Automatically covered up to and inclusive of the 32^nd week of gestation. Cover also includes premature childbirth if a qualified practictioner confirms the claim comes from one of their definitions of 'complications of pregnancy and childbirth. See PDS for full definitions	Automatically covered up to and inclusive of the 32^nd week of gestation. Cover also includes premature childbirth if a qualified practictioner confirms the claim comes from one of their definitions of 'complications of pregnancy and childbirth. See PDS for full definitions	Automatically covered up to and inclusive of the 24^th week of gestation	Automatically covered up to and inclusive of the 24^th week of gestation	Cover may be available up to 26 weeks. You will also need to apply for cover by submitting a medical assessment form	Go To Insurer
Medibank Private	26 Weeks	Automatically covered up to and inclusive of the 26^th week of gestation	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply
NIB	26 Weeks	Automatically covered up to and inclusive of the 26^th week of gestation	Automatically covered up to and inclusive of the 26^th week of gestation	Automatically covered up to and inclusive of the 19^th week of gestation	No pregnancy related cover offered	No pregnancy related cover offered
NRMA	23 Weeks	Automatically covered up to and inclusive of the 23^rd week of gestation	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply
No Worries Insurance	26 Weeks	Automatically covered up to and inclusive of the 26^th week of gestation	No pregnancy related cover offered	No pregnancy related cover offered	No pregnancy related cover offered	No pregnancy related cover offered	Go To Insurer
Real Insurance	26 Weeks	Automatically covered up to and inclusive of the 26th week of gestation	No pregnancy related cover offered	Automatically covered up to and inclusive of the 19th week of gestation	No pregnancy related cover offered	No pregnancy related cover offered
SCTI	20 Weeks	Automatically covered up to and inclusive of the 20th week of gestation	Automatically covered up to and inclusive of the 20th week of gestation	Automatically covered up to and inclusive of the 20th week of gestation	Automatically covered up to and inclusive of the 20th week of gestation	No cover if complications prior to start date of insurance
STA Travel	23 Weeks	Automatically covered up to and inclusive of the 23rd week of gestation	No pregnancy related cover offered	No pregnancy related cover offered	No pregnancy related cover offered	No pregnancy related cover offered	Go To Insurer
Simply Travel Insurance	24 Weeks	Automatically covered up to and inclusive of the 24th week of gestation	Automatically covered up to and inclusive of the 24th week of gestation	Automatically covered up to and inclusive of the 19th week of gestation	Automatically covered up to and inclusive of the 19th week of gestation	Requires an online medical assessment to be completed	Go To Insurer
Sure Save	26 Weeks	Automatically covered up to and inclusive of the 26th week of gestation	Automatically covered up to and inclusive of the 26th week of gestation	Automatically covered up to and inclusive of the 19th week of gestation	Automatically covered up to and inclusive of the 19th week of gestation	Requires an online medical assessment to be completed
Tick Insurance	32 Weeks	Automatically covered up to and inclusive of the 32^nd week of gestation. Cover also includes premature childbirth if a qualified practitioner confirms the claim comes from one of their definitions of 'complications of pregnancy and childbirth. See PDS for full definitions	Automatically covered up to and inclusive of the 32^nd week of gestation. Cover also includes premature childbirth if a qualified practitioner confirms the claim comes from one of their definitions of 'complications of pregnancy and childbirth. See PDS for full definitions	Automatically covered up to and inclusive of the 26^th week of gestation	Automatically covered up to and inclusive of the 26^th week of gestation	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	Go To Insurer
Travel Insurance Direct	26 Weeks	Automatically covered up to and inclusive of the 26th week of gestation	Automatically covered up to and inclusive of the 26th week of gestation	Automatically covered up to and inclusive of the 19th week of gestation	Automatically covered up to and inclusive of the 19th week of gestation	No cover if complications prior to start date of insurance
Travel Insurance Saver	26 Weeks	Automatically covered up to and inclusive of the 26th week of gestation	Requires an online medical assessment to be completed; up to and inclusive of the 26th week of gestation	Requires an online medical assessment to be completed; up to and inclusive of the 26th week of gestation	Requires an online medical assessment to be completed; up to and inclusive of the 26th week of gestation	Requires an online medical assessment to be completed; up to and inclusive of the 26th week of gestation	Go To Insurer
Travel Insuranz	18 Weeks	Cover includes unexpected medical complications up to 18 weeks of pregnancy. No additional premium is payable	No pregnancy related cover offered	No pregnancy related cover offered	No pregnancy related cover offered	No pregnancy related cover offered	Go To Insurer
Travel With Kit	32 Weeks	Automatically covered up to and inclusive of the 26th week of gestation, up to and inclusive of 32 weeks with pregnancy pack add-on.	Covered up to and inclusive of the 26th week of gestation with declaration and additional premium, up to 32 weeks with pregnancy pack add-on.	Covered up to and inclusive 19 weeks gestation with declaration and additional premium up to and inclusive of 23 weeks with pregnancy pack add-on.	No pregnancy related cover offered	No pregnancy related cover offered
Virgin Money	23 Weeks	Automatically covered up to and inclusive of the 23^rd week of gestation	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	Go To Insurer
Westpac	23 Weeks	Automatically covered up to and inclusive of the 23^rd week of gestation	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply
Woolworths	25 Weeks	Automatically covered up to and inclusive of the 25^th week of gestation	No pregnancy related cover offered	Automatically covered up to and inclusive of the 19^th week of gestation	No pregnancy related cover offered	No pregnancy related cover offered
World Nomads	26 Weeks	Automatically covered up to and inclusive of the 26^th week of gestation	No pregnancy related cover offered	No pregnancy related cover offered	No pregnancy related cover offered	No pregnancy related cover offered
Webjet	23 Weeks	Automatically covered up to and inclusive of the 23^rd week of gestation.	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	Go To Insurer
Worldcare	23 Weeks	Automatically covered up to and inclusive of the 23^rd week of gestation	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	No pregnancy related cover offered	Go To Insurer
Zoom Travel Insurance	24 Weeks	Automatically covered up to and inclusive of the 24^th week of gestation	Automatically covered up to and inclusive of the 24th week of gestation providing no complications	Automatically covered up to and inclusive of the 19^th week of gestation	Automatically covered up to and inclusive of the 19th week of gestation providing no complications	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	Go To Insurer

Insurer	1Cover	1300 insurance	AIG	AllClear	Allianz	Amex	Australia Post	Boomers	Bupa	Columbus Direct	Comminsure	Cover-More	Easy travel insurance	Fast cover	Go Insurance	Insure4Less	InsureAndGo	Medibank	NIB	NRMA	No Worries Insurance	Real Insurance	SCTI	STA Travel	Simply Travel Insurance	Sure Save	Tick Insurance	Travel Insurance Direct	Travel Insurance Saver	Travel Insuranz	Virgin Money	Woolworths	World Nomads	Webjet	Worldcare	Zoom
Buy Now	Buy			Buy		Buy		Buy		Buy				Buy			Buy				Buy	Buy			Buy	Buy		Buy		Buy	Buy	Buy			Buy	Buy	Buy
Single pregnancy max gestation cover	24 Weeks	23 Weeks	26 Weeks	36 Weeks	23 Weeks	24 Weeks	26 Weeks	23 Weeks	24 Weeks	30 Weeks	23 Weeks	23 Weeks	26 Weeks	23 Weeks	20 Weeks	18 Weeks	32 Weeks	26 Weeks	26 Weeks	23 Weeks	26 Weeks	24 Weeks	26 Weeks	20 Weeks	23 Weeks	24 Weeks	26 Weeks	32 Weeks	26 Weeks	26 Weeks	18 Weeks	23 Weeks	25 Weeks	26 Weeks	23 Weeks	23 Weeks	24 Weeks
Single pregnancy without complications	Automatically covered up to and inclusive of the 24th week of gestation	Automatically covered up to and inclusive of the 23rd week of gestation	Cover up until 26th week of pregnancy	Covered up to and inclusive of 36th week gestation. You must declare all pre-existing conditions.	Covered up to and including 23 weeks	Cover up until 24th week of pregnancy	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	Covered up to and including 23 weeks	Cover up until 24th week of pregnancy	Automatically covered up to and inclusive of the 25th week of gestation. You can apply to extend cover to include trips up to the 30^thweek of pregnancy, and to include cover for childbirth and care of a newborn from week 26, for an additional premium	Includes cover without complications up to 23 weeks of pregnancy.	Automatically covered up to and inclusive of the 23^rd week of gestation	Automatically covered up to and inclusive of the 26^th week of gestation	Automatically covered up to and inclusive of the 20^th week of gestation	Automatically covered up to and inclusive of the 20^th week of gestation	Automatically covered up to and inclusive of the 18th week of gestation	Automatically covered up to and inclusive of the 32^nd week of gestation. Cover also includes premature childbirth if a qualified practictioner confirms the claim comes from one of their definitions of 'complications of pregnancy and childbirth. See PDS for full definitions	Automatically covered up to and inclusive of the 26^th week of gestation	Automatically covered up to and inclusive of the 26th week of gestation	Automatically covered up to and inclusive of the 23^rd week of gestation	Automatically covered up to and inclusive of the 26^th week of gestation	Automatically covered up to and inclusive of the 24^th week of gestation	Automatically covered up to and inclusive of the 26^th week of gestation	Automatically covered up to and inclusive of the 20th week of gestation	Automatically covered up to and inclusive of the 20th week of gestation	Automatically covered up to and inclusive of the 24th week of gestation	Automatically covered up to and inclusive of the 26th week of gestation	Automatically covered up to and inclusive of the 32^nd week of gestation. Cover also includes premature childbirth if a qualified practitioner confirms the claim comes from one of their definitions of 'complications of pregnancy and childbirth. See PDS for full definitions	Automatically covered up to and inclusive of the 26th week of gestation	Automatically covered up to and inclusive of the 26th week of gestation	Automatically covered up to and inclusive of the 18th week of gestation	Automatically covered up to and inclusive of the 23^rd week of gestation	Automatically covered up to and inclusive of the 25^th week of gestation	Automatically covered up to and inclusive of the 26^th week of gestation	Automatically covered up to and inclusive of the 23^rd week of gestation	Automatically covered up to and inclusive of the 23^rd week of gestation	Automatically covered up to and inclusive of the 24^th week of gestation
Single pregnancy conceived through assisted reproduction services	Automatically covered up to and inclusive of the 24th week of gestation	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	No pregnancy related cover offered	No mention of IVF or assisted pregnancy in the Product Disclosure Statement.	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	No pregnancy related cover offered	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	No pregnancy related cover offered	No pregnancy related cover offered	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	No pregnancy related cover offered	No pregnancy related cover offered	No pregnancy related cover offered	No pregnancy related cover offered	Automatically covered up to and inclusive of the 32^nd week of gestation. Cover also includes premature childbirth if a qualified practitioner confirms the claim comes from one of their definitions of 'complications of pregnancy and childbirth. See PDS for full definitions	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	Automatically covered up to and inclusive of the 26th week of gestation	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	No pregnancy related cover offered	No pregnancy related cover offered	No pregnancy related cover offered	Automatically covered up to and inclusive of the 20th week of gestation	No pregnancy related cover offered	Automatically covered up to and inclusive of the 24th week of gestation	Automatically covered up to and inclusive of the 26th week of gestation	Automatically covered up to and inclusive of the 32^nd week of gestation. Cover also includes premature childbirth if a qualified practitioner confirms the claim comes from one of their definitions of 'complications of pregnancy and childbirth. See PDS for full definitions	Automatically covered up to and inclusive of the 26th week of gestation	Requires an online medical assessment to be completed; up to and inclusive of the 26th week of gestation	No pregnancy related cover offered	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	No pregnancy related cover offered	No pregnancy related cover offered	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	No pregnancy related cover offered
Multiple pregnancy without complications	Automatically covered up to and inclusive of the 19th week of gestation	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	No pregnancy related cover offered	Covered up to and inclusive of 32nd week gestation. You must declare all pre-existing conditions.	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	Cover up until 24th week of pregnancy	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	Cover up until 24th week of pregnancy	No pregnancy related cover offered	No pregnancy related cover offered	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	Automatically covered up to and inclusive of the 26^th week of gestation	Automatically covered up to and inclusive of the 19^th week of gestation	Automatically covered up to and inclusive of the 16^th week of gestation	No pregnancy related cover offered	Automatically covered up to and inclusive of the 24^th week of gestation	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	Automatically covered up to and inclusive of the 19th week of gestation	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	No pregnancy related cover offered	Automatically covered up to and inclusive of the 24^th week of gestation	Automatically covered up to and inclusive of the 26^th week of gestation	Automatically covered up to and inclusive of the 20th week of gestation	No pregnancy related cover offered	Automatically covered up to and inclusive of the 19th week of gestation	Automatically covered up to and inclusive of the 19th week of gestation	Automatically covered up to and inclusive of the 26th week of gestation	Automatically covered up to and inclusive of the 19th week of gestation	Requires an online medical assessment to be completed; up to and inclusive of the 26th week of gestation	No pregnancy related cover offered	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	Automatically covered up to and inclusive of the 19^th week of gestation	No pregnancy related cover offered	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	Automatically covered up to and inclusive of the 19^th week of gestation
Multiple pregnancy conceived through assisted reproduction services	Automatically covered up to and inclusive of the 19th week of gestation providing no complications	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	No pregnancy related cover offered	No mention of IVF or assisted pregnancy in the Product Disclosure Statement.	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	No pregnancy related cover offered	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	No pregnancy related cover offered	No pregnancy related cover offered	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	No pregnancy related cover offered	No pregnancy related cover offered	No pregnancy related cover offered	No pregnancy related cover offered	Automatically covered up to and inclusive of the 24^th week of gestation	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	Automatically covered up to and inclusive of the 19th week of gestation	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	No pregnancy related cover offered	No pregnancy related cover offered	No pregnancy related cover offered	Automatically covered up to and inclusive of the 20th week of gestation	No pregnancy related cover offered	Automatically covered up to and inclusive of the 19th week of gestation	Automatically covered up to and inclusive of the 19th week of gestation	Automatically covered up to and inclusive of the 26th week of gestation	Automatically covered up to and inclusive of the 19th week of gestation	Requires an online medical assessment to be completed; up to and inclusive of the 26th week of gestation	No pregnancy related cover offered	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	No pregnancy related cover offered	No pregnancy related cover offered	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	No pregnancy related cover offered
Pregnancy complications experienced prior to a policy being issued	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	No pregnancy related cover offered	Cannot declare pregnancy-related pre-existing conditions, as pregnancy is not considered unforeseen or unexpected. Other conditions must be declared. Additional premiums may apply.	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	No pregnancy related cover offered	No pregnancy related cover offered	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	No pregnancy related cover offered	No pregnancy related cover offered	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	No pregnancy related cover offered	Automatic cover up until 24 weeks for single pregnancy	No pregnancy related cover offered	No pregnancy related cover offered	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	No pregnancy related cover offered	No pregnancy related cover offered	No pregnancy related cover offered	No pregnancy related cover offered	No pregnancy related cover offered	No pregnancy related cover offered	No pregnancy related cover offered	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	No pregnancy related cover offered	Requires an online medical assessment to be completed; up to and inclusive of the 26th week of gestation	No pregnancy related cover offered	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	No pregnancy related cover offered	No pregnancy related cover offered	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply	No pregnancy related cover offered	No pregnancy related cover offered

General Advice Warning: The contents of this article were accurate at the time of writing. Insurers change their policies from time to time, so some information may have changed. You should always read the Product Disclosure Statement of your chosen insurer to understand what is covered and what isn't. The information provided is of a general nature only and does not take into account any personal objectives, financial situation or needs. Before making a decision you should consider the appropriateness of the information having regard to your personal circumstances.

Pregnancy Cover Exclusions

It’s important to remember that exclusions apply to most policies. For example, even if you’ve found an insurer that covers your specific circumstances, you probably wouldn't have cover if:

you travel against doctors advice
you have complications that exist with the pregnancy and didn't declare them or obtain your insurers' approval for cover
your trip extends beyond the maximum weeks of pregnancy permitted (expectant mothers can still buy a standard policy after the maximum gestation limit; however they won't be covered for anything related to the pregnancy)
you went into labour, the childbirth or the health care of a newborn child is often excluded

Some of these exclusions can be removed by paying an additional premium or completing a medical assessment.

What Are Pregnancy Complications?

A complication is known as a secondary diagnosis occurring prior to, during the course of, concurrent with, or as a result of pregnancy, which may adversely affect the pregnancy outcome. Each insurer will have different rules, but generally, you will need to declare these conditions. E.g:

Toxaemia (toxins in the blood)
Gestational diabetes (diabetes arising as a result of pregnancy)
Pre-eclampsia
Hyperemesis gravidarum (excessive vomiting as a result of pregnancy)
Placenta praevia (when the placenta is in the lower part of the uterus and covers part or all of
the cervix)
and more...

5 Tips For Travelling While Pregnant

While travelling when pregnant is considered safe during your first and second trimesters, it’s still a good idea to do some fact-checking and seek medical advice before you go. Here are some things to consider:

Destination: A remote island might be the ultimate in luxury but in some instances, not the best location for your babymoon. Consider locations with good road access, transport networks and access to medical facilities.

Activities: Depending on your energy levels your pre-baby getaway may be best spent unwinding and relaxing rather than taking part in sightseeing tours and physical activities. Mums-to-be on the adventurous side should be cautious about participating in activities like scuba diving, ice-skating, rock-climbing and amusement park rides. Certain sports and activities may not be covered by your travel insurer either. Speak to your doctor about the recommended activities before you book anything up front.

Local food and drink: A pad Thai from a street vendor might be exactly what you’re craving, but can you guarantee its freshness? Be cautious about food you suspect may not have been kept refrigerated or properly cooked through, and make sure the tap water at your destination is safe to drink as well.

Vaccinations and medication: Are you suffering from heartburn or morning sickness? Make sure you’ve got any necessary medications and vitamins packed in your case rather than relying on local pharmacies. Plan any vaccinations well in advance and make sure they’re suitable for you and bub.

What happens to you when you fly: Swelling and dehydration on a plane is common - especially for those that are expecting. Sitting on a plane for eight-hours can also put you at risk of deep vein thrombosis. Make sure you get some good stretches in every couple of hours (at least), drink heaps of water, wear comfy clothes (with room to move), and wear DVT flight socks! Remember if you’re over 28 weeks you will need a letter from your doctor saying you’re fit to fly.

Why Travel Cover Is Important When Pregnant

Having the right travel insurance for your holiday is always important, but especially so when you’re pregnant. Expecting a child makes you more vulnerable than the average traveller; your body's immunity is lowered and your susceptibility to certain illnesses and infections is heightened. On the off-chance you do need to cancel your trip or require medical care abroad, travel insurance will have you covered provided you have declared any pre-existing illnesses.

Travelling while pregnant can be nerve-racking but hugely rewarding if done right. Having the right cover will allow you to put your feet up and enjoy some R&R before life as you know it changes forever.

Remember that benefits and exclusions will vary greatly from insurer to insurer, so it's vital to make sure you read the small print before you head off on your hols.

Pregnancy Travel Insurance Faqs

Questions about pregnancy travel cover? You've come to the right place.

Is pregnancy covered by travel insurance?

Yes, many travel insurance companies cover pregnancy. Most companies automatically cover you up to a certain gestation (typically between 19 to 32 weeks), provided that your pregnancy is free of complications. Some brands have a pregnancy add-on or medical screening for complicated pregnancies or those further along in gestation.

Find out who covers pregnancy and learn more on the conditions of cover for each travel insurer using our table above.

Do I need to tell my insurer that I am pregnant?

Not usually. In most cases, insurers do not consider pregnancy to be a medical condition. If you're travelling during the first stages of your pregnancy, most brands will cover you automatically on a standard policy for single foetus pregnancies less than 20 weeks, provided that there are no medical complications. However, if you suffer from any related medical condition or complication such as high blood pressure, gestational diabetes, or preeclampsia, you should declare this via a medical screening process to ensure that you obtain appropriate cover. Of course, there are some variations to this; some insurers want to know about pregnancy regardless of gestation, so if you're pregnant and planning to travel be sure to understand your insurer's terms around pregnancy and medical conditions.

Is pregnancy considered a medical condition for travel insurance?

Most travel insurers do not consider pregnancy to be a pre-existing medical condition, and you are not required to declare your pregnancy via a screening form unless you have had complications or conceived your child through IVF. However, there are a few providers that consider pregnancy a medical condition, so be sure to read and understand any questions on this carefully. You can compare pregnancy travel cover conditions in our table above.

Does travel insurance cover birth?

Generally, travel insurance will only cover you for unforeseen bodily injury or illness and unexpected pregnancy complications - not your unborn child. Childbirth is not considered to be either unforeseen or an illness or injury. Likewise, routine or regular antenatal checkups are usually excluded.

However, there are a few travel insurers that do cover emergency birth provided you're travelling within their gestation limits. Discover who they are in the table above.

Which travel insurers cover pregnant people?

Almost all travel insurers cover pregnant people, either automatically or with a medical screening, provided you are under their gestation limits (how many weeks pregnant you are). You can also review the gestation limits in the table above.

How many weeks pregnant can I be and still find travel insurance?

Most travel insurers will insure pregnant people up to gestations of between 19 and 24 weeks, with a small number of insurers offering cover up to 32 or 33 weeks. You can compare insurers gestation limits in the above table.

Can I get holiday cover if I'm pregnant with twins?

Yes, many travel insurers offer cover if you are pregnant with twins. You will often find that travel cover brands will have lower gestation limits for people pregnant with twins.

Can I get insurance if my baby was conceived through IVF?

Finding travel cover when your little one was conceived through IVF is increasingly common - some insurers do not even require you to declare this as a pre-existing medical condition. Check the holiday insurers' Product Disclosure Statement carefully to understand their conditions for assisted pregnancies.

Which insurers cover pregnancy complications?

If you have experienced complications during your pregnancy, you will be required to complete a medical assessment. This can often be done via a simple online medical screening where the insurer will ask you a few questions in relation to your conditions. Based on your answers, they will assess whether they can cover you, and if there is an increase in the cost of the premium. You can find which insurers have online medical screenings for pre-existing medical conditions here.

Which insurer will cover pregnancies at 36 weeks?

AllClear Travel Insurance is a specialist medical insurer, and they cover pregnant people up to 36 weeks - the latest gestation that we are aware of in the Australian trip cover market. Click to learn more about AllClear Travel Insurance.

Do you need special travel insurance when pregnant?

Generally speaking, you don't need a different kind of travel insurance if pregnant. However, most insurers will have a gestational limit, and will require you to disclose if you have any pre-existing medical conditions, including pregnancy-related complications. Check the table above for each insurers' condition.

Can a one month pregnant woman fly?

Generally speaking, most airlines will let women fly without medical clearance up to around halfway through a pregnancy. After that, most will require medical clearance from your doctor, and will let you fly up to around 30-36 weeks. As to whether you should fly at any stage during your specific pregnancy, contact your healthcare professional.

Eugene Wylde

Eugene is the king of insurance! Having spent more than ten years raising awareness on the importance of holiday protection, he is a self-confessed insurance geek extraordinaire when it comes to the world of travel cover. Eugene loves helping people save time, worry and loads of money with the right policy at the right price. His ideal holiday is any one where he has a pina colada in his hand. Salut!

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