Most of us know the importance of purchasing travel insurance and the peace of mind it brings. So when it comes to travelling during pregnancy, whether you’re jetsetting 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 will cover you for travelling when pregnant, and we've done the research to tell you who!
Typical pregnancy cover in Australia
Your due date and past pregnancy complications play an important role in whether you can get cover or not.
Some insurers consider pregnancy to be a pre-existing condition and a medical assessment may be required before you are covered. Others cover uncomplicated pregnancies up to a certain gestation without any fuss (usually up to around 26 weeks, but can be up to 32); and there are many insurers that simply will not cover pregnancy related complications at all.
So who covers what?
Many of the insurers listed in the table will cover you for unexpected pregnancy complications up until a certain stage in the pregnancy. Mouseover the ticks and crosses for more details on each.
|About your pregnancy||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 policy being issued|
|American Express||24 weeks|
|Australia Post||26 Weeks|
|Bupa Australia||24 Weeks|
|Columbus Direct||30 weeks|
|Easy Travel Insurance||26 Weeks|
|Fast Cover||23 weeks|
|Go Insurance||20 Weeks|
|No Worries Insurance||26 Weeks|
|Online travel Insurance||23 Weeks|
|On Tour Insurance||26 Weeks|
|Priceline Protects||24 weeks|
|Simply Travel Insurance||24 weeks|
|Southern Cross Travel Insurance||20 weeks|
|Tick Travel Insurance||32 weeks|
|Travel Insurance Direct||26 weeks|
|Travel Insuranz||26 weeks|
|Travel Insurance Saver||26 Weeks|
|Traveller Insure||24 weeks|
|Real Insurance||26 weeks|
|Virgin Money||23 weeks|
|World Nomads||26 Weeks|
This information is provided as a general guide only and the fine print of the PDS should be read to determine whether the provider or policy is best for your 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 travelled against doctors advice
- for complications that exist with the pregnancy
- if 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)
- if the pregnancy resulted from assisted reproductive programmes (but this is covered in some cases)
- for childbirth or the health care of a newborn child
- Some of these exclusions can be removed by paying an additional premium or completing a medical assessment form
What are pregnancy complications?
A complication is known as a secondary diagnosis occuring prior to, during the course of, concurrent with, or as a result of pregnancy, which may adversely affect the pregnancy outcome. E.g:
- Toxaemia (toxins in the blood)
- Gestational diabetes (diabetes arising as a result of pregnancy)
- 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
- 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’s 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 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 heart burn or morning sickness? Make sure you’ve got any neccessary 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.
Time to jetset
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 real the small print before you head off on your hols.
Disclaimer: This information is provided as a general guide only and the fine print of the PDS should be read to determine whether the provider or policy is best for your circumstances.