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Compare Travel Insurance Travel Insurance Tips Pregnancy Travel Insurance Guide

Pregnancy Travel Insurance Guide


20 June, 2019 By Hayley Kennedy

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!

Pregnancy Travel Insurance 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 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
Buy Now
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 yes Automatically covered up to and inclusive of the 24th week of gestation yes Automatically covered up to and inclusive of the 23rd week of gestation yes Cover up untl 26th week of pregnancy yes
Covered up to and inclusive of 36th week gestation. You must declare all pre-existing conditions.
yes Covered up to and including 23 weeks yes Cover up untl 24th week of pregnancy maybe Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply yes Covered up to and including 23 weeks yes Cover up until 24th week of pregnancy yes Automatically covered up to and inclusive of the 25th week of gestation. You can apply to extend cover to include trips up to the 30th week of pregnancy, and to include cover for childbirth and care of a newborn from week 26, for an additional premium yes Includes cover without complications up to 23 weeks of pregnancy. yes Automatically covered up to and inclusive of the 23rd week of gestation yes Automatically covered up to and inclusive of the 26th week of gestation yes Automatically covered up to and inclusive of the 20th week of gestation yes Automatically covered up to and inclusive of the 20th week of gestation yes Automatically covered up to and inclusive of the 18th week of gestation yes 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 yes Automatically covered up to and inclusive of the 26th week of gestation yes Automatically covered up to and inclusive of the 26th week of gestation yes Automatically covered up to and inclusive of the 23rd week of gestation yes Automatically covered up to and inclusive of the 26th week of gestation yes Automatically covered up to and inclusive of the 24th week of gestation yes Automatically covered up to and inclusive of the 26th week of gestation yes Automatically covered up to and inclusive of the 20th week of gestation yes Automatically covered up to and inclusive of the 20th week of gestation yes Automatically covered up to and inclusive of the 24th week of gestation yes Automatically covered up to and inclusive of the 26th week of gestation yes 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  yes Automatically covered up to and inclusive of the 26th week of gestation yes Automatically covered up to and inclusive of the 26th week of gestation yes Automatically covered up to and inclusive of the 18th week of gestation yes Automatically covered up to and inclusive of the 23rd week of gestation yes Automatically covered up to and inclusive of the 25th week of gestation yes Automatically covered up to and inclusive of the 26th week of gestation yes Automatically covered up to and inclusive of the 23rd week of gestation yes Automatically covered up to and inclusive of the 23rd week of gestation yes Automatically covered up to and inclusive of the 24th week of gestation
Single pregnancy conceived through assisted reproduction services yes Automatically covered up to and inclusive of the 24th week of gestation maybe Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply No pregnancy related cover offered maybe No mention of IVF or assisted pregnancy in the Product Disclosure Statement. maybe Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply No pregnancy related cover offered maybe Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply maybe Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply maybe 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 maybe Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply no No pregnancy related cover offered no No pregnancy related cover offered No pregnancy related cover offered No pregnancy related cover offered yes 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 maybe Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply yes Automatically covered up to and inclusive of the 26th week of gestation maybe 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 yes Automatically covered up to and inclusive of the 20th week of gestation No pregnancy related cover offered yes Automatically covered up to and inclusive of the 24th week of gestation yes Automatically covered up to and inclusive of the 26th week of gestation yes 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  yes Automatically covered up to and inclusive of the 26th week of gestation maybe Requires an online medical assessment to be completed; up to and inclusive of the 26th week of gestation No pregnancy related cover offered maybe 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 maybe Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply maybe 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 yes Automatically covered up to and inclusive of the 19th week of gestation maybe Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply No pregnancy related cover offered yes
Covered up to and inclusive of 32nd week gestation. You must declare all pre-existing conditions.
maybe Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply yes Cover up untl 24th week of pregnancy maybe Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply maybe Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply yes Cover up until 24th week of pregnancy no No pregnancy related cover offered no No pregnancy related cover offered maybe Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply yes Automatically covered up to and inclusive of the 26th week of gestation yes Automatically covered up to and inclusive of the 19th week of gestation yes Automatically covered up to and inclusive of the 16th week of gestation No pregnancy related cover offered yes Automatically covered up to and inclusive of the 24th week of gestation maybe Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply yes Automatically covered up to and inclusive of the 19th week of gestation maybe Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply no No pregnancy related cover offered yes Automatically covered up to and inclusive of the 24th week of gestation yes Automatically covered up to and inclusive of the 26th week of gestation yes Automatically covered up to and inclusive of the 20th week of gestation no No pregnancy related cover offered yes Automatically covered up to and inclusive of the 19th week of gestation yes Automatically covered up to and inclusive of the 19th week of gestation yes Automatically covered up to and inclusive of the 26th week of gestation yes Automatically covered up to and inclusive of the 19th week of gestation maybe Requires an online medical assessment to be completed; up to and inclusive of the 26th week of gestation no No pregnancy related cover offered maybe Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply yes Automatically covered up to and inclusive of the 19th week of gestation no No pregnancy related cover offered maybe Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply maybe Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply yes Automatically covered up to and inclusive of the 19th week of gestation
Multiple pregnancy conceived through assisted reproduction services yes Automatically covered up to and inclusive of the 19th week of gestation providing no complications maybe Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply No pregnancy related cover offered maybe No mention of IVF or assisted pregnancy in the Product Disclosure Statement. maybe Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply No pregnancy related cover offered maybe Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply maybe Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply maybe Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply no No pregnancy related cover offered no No pregnancy related cover offered maybe Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply no No pregnancy related cover offered no No pregnancy related cover offered no No pregnancy related cover offered No pregnancy related cover offered yes Automatically covered up to and inclusive of the 24th week of gestation maybe Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply yes Automatically covered up to and inclusive of the 19th week of gestation maybe Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply no No pregnancy related cover offered no No pregnancy related cover offered no No pregnancy related cover offered yes Automatically covered up to and inclusive of the 20th week of gestation no No pregnancy related cover offered yes Automatically covered up to and inclusive of the 19th week of gestation yes Automatically covered up to and inclusive of the 19th week of gestation yes Automatically covered up to and inclusive of the 26th week of gestation yes Automatically covered up to and inclusive of the 19th week of gestation maybe Requires an online medical assessment to be completed; up to and inclusive of the 26th week of gestation no No pregnancy related cover offered maybe Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply no No pregnancy related cover offered no No pregnancy related cover offered maybe Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply maybe Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply no No pregnancy related cover offered
Pregnancy complications experienced prior to policy being issued maybe Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply maybe Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply No pregnancy related cover offered maybe Cannot declare pregnancy-related pre-existing conditions, as pregnancy is not considered unforseen or unexpected. Other conditions must be declared.
Additional premiums may apply.
maybe 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 maybe Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply maybe Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply no No pregnancy related cover offered no No pregnancy related cover offered maybe Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply no No pregnancy related cover offered maybe Automatic cover up until 24 weeks for single pregnancy no No pregnancy related cover offered no No pregnancy related cover offered maybe Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply maybe Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply maybe Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply maybe Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply no No pregnancy related cover offered no No pregnancy related cover offered no No pregnancy related cover offered no No pregnancy related cover offered no No pregnancy related cover offered no No pregnancy related cover offered no No pregnancy related cover offered maybe Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply no No pregnancy related cover offered maybe Requires an online medical assessment to be completed; up to and inclusive of the 26th week of gestation no No pregnancy related cover offered maybe Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply no No pregnancy related cover offered no No pregnancy related cover offered maybe Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply no No pregnancy related cover offered no 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 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. 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’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.

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 real 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. Generally, they most companies automatically cover you up to a certain number of weeks (typically between 19-32 weeks), provided that your pregnancy is free of complications. Some brands have pregnancy trip add-ons or medical screenings for complicated pregnancies or those further along in gestation. Check out our table above to see each insurers conditions.

Do you need special travel insurance when pregnant?

Special pregnancy travel insurance is generally not required, as most brands will cover you automatically for pregnancies (typically of less than 12-32 weeks, depending on the insurer). However, complicated pregnancies, pregnancy via IVF, or longer gestations may require special pregnancy add-ons. A very small number of travel insurers will also cover your unborn child in the event of emergency birth. Check out our table above to compare pregnancy cover special conditions.

Is pregnancy considered a medical condition for travel insurance?

While some brands consider pregnancy to be a pre-existing medical condition, 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. Compare our pregnancy travel cover conditions above for more detail.

Does travel insurance cover birth?

Generally, travel insurance will only cover you for unexpected complications - not your unborn child - and not cover regular antenatal checkups or birth. A few travel insurers do however cover emergency birth. You can can compare pregnancy trip cover benefits in table to find a policy which works for you and your circumstances.

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 find trip cover if I 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 will cover me if I've had pregnancy complications?

If you have experienced complications during your pregnancy, you will generally be required to fill out an online medical screening form. The insurer will ask you a few quesitons, and assess whether they can cover you, and if there is any increase in the cost of the premium. You can find which insurers have online screening forms 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.


Contributor Hayley Kennedy

Hayley Kennedy

Originally from the UK, Hayley took a gap ‘year’ in 2011… and it’s still going! She’s travelled all over the world, volunteering in a Ugandan orphanage, skydiving in Australia, shark diving in South Africa, and skiing in the Alps (and snapping in a ligament in the process!). Certified in Tier 2 General Insurance General Advice and working in travel insurance for over two years, Hayley is a thrillseeker and a storyteller who loves hearing about customers’ holiday plans and sharing her own tips and must-see spots to help get them inspired.

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Most insurance companies offer cover specifically intended for families. Purchasing a family policy is cheaper than purchasing travel insurance for each individual travelling, so it may not be as expensive as you think.

 
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