Pregnancy Travel Insurance Guide

19 February, 2024

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
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
Fast Cover	23 Weeks	Automatically covered up to and inclusive of the 23rd week of gestation	Includes cover without complications up to 23 weeks of pregnancy.	Automatically covered up to and inclusive of the 19th week of gestation	No pregnancy related cover offered	No pregnancy related cover offered
InsureandGo	30 Weeks	Automatically covered up to and inclusive of the 30nd 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 32nd 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 20th week of gestation	Automatically covered up to and inclusive of the 20th week of gestation	Cover may be available up to 20 weeks. You will also need to apply for cover by submitting a medical assessment form
Tick Insurance	30 Weeks	Automatically covered up to and inclusive of the 30nd 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 30nd 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 20th week of gestation	Automatically covered up to and inclusive of the 20th week of gestation	Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply
Zoom 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 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
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.
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	23 Weeks	Automatically covered up to and inclusive of the 23rd week of gestation	No pregnancy related cover offered	Automatically covered up to and inclusive of the 23rd week of gestation	No pregnancy related cover offered	No pregnancy related cover offered
Australia Post	24 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 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
Bupa Australia	23 Weeks	Automatically covered up to and inclusive of the 23th 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 23th 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
CommInsure	23 Weeks	Automatically covered up to and inclusive of the 23rd week of gestation.	No pregnancy related cover offered	Automatically covered up to and inclusive of the 23rd week of gestation	No pregnancy related cover offered	No pregnancy related cover offered
Cover-More	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
Easy Travel Insurance	23 Weeks	Automatically covered up to and inclusive of the 23th week of gestation	No pregnancy related cover offered	Automatically covered up to and inclusive of the 23th week of gestation	No pregnancy related cover offered	No pregnancy related cover offered
Freely	24 Weeks	Automatically covered up to and inclusive of the 24th week of gestation	pregnancy related cover offered	No pregnancy related cover offered	No pregnancy related cover offered	No pregnancy related cover offered
Go insurance	23 Weeks	Automatically covered up to and inclusive of the 20th week of gestation	No pregnancy related cover offeredno	Automatically covered up to and inclusive of the 23th week of gestation	No pregnancy related cover offered	No pregnancy related cover offered
Insure4Less	22 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
Medibank Private	26 Weeks	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	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 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	No pregnancy related cover offered	No pregnancy related cover offered
NRMA	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
Real 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
SCTI	23 Weeks	Automatically covered up to and inclusive of the 23th week of gestation	Automatically covered up to and inclusive of the 23th week of gestation	Automatically covered up to and inclusive of the 23th week of gestation	Automatically covered up to and inclusive of the 23th week of gestation	No cover if complications prior to start date of insurance
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	No pregnancy related cover offered	No pregnancy related cover offered	No pregnancy related cover offered
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
Travel Insuranz	22 Weeks	Cover includes unexpected medical complications up to 22 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
Virgin Money	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
Webjet	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
Westpac	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
Woolworths	25 Weeks	Automatically covered up to and inclusive of the 25th 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
World Nomads	26 Weeks	Automatically covered up to and inclusive of the 26th week of gestation	No pregnancy related cover offered	No pregnancy related cover offered	No pregnancy related cover offered	No pregnancy related cover offered
World2Cover	26 Weeks	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	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
Worldcare	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	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?

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

Is pregnancy considered a medical condition for travel insurance?

Does travel insurance cover birth?

Which travel insurers cover pregnant people?

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

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

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

Which insurers cover pregnancy complications?

Which insurer will cover pregnancies at 36 weeks?

Do you need special travel insurance when pregnant?

Can a one month pregnant woman fly?

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!