How pregnant is too pregnant? The travel cut-off every mum-to-be should know
Key takeaways
- Most travel insurers only cover pregnancy until somewhere between 23 and 26 weeks.
- Pregnancy cover is for serious, unexpected complications. Routine check-ups and childbirth generally aren't covered.
- What's next: Work out how far along you'll be at the end of your trip, then compare policies with a cut-off that covers you.
There's a bit of a baby boom in the Finder office, and with summer holidays around the corner, one question keeps coming my way: does travel insurance cover pregnancy?
The short answer? Yes, you can travel, but you will face some limitations in terms of coverage and what stage you're at in your pregnancy.
What pregnancy cover actually includes
Pregnancy cover is actually fairly specific in what it does and doesn't cover.
It's mainly designed for serious, unexpected complications, like pre-eclampsia, gestational diabetes or an ectopic pregnancy. It's not there for the everyday stuff, meaning you won't be covered for things like:
- Routine check-ups and scans generally aren't covered.
- Giving birth generally isn't covered either, although a few policies include limited cover.
- Your newborn typically isn't covered if they arrive while you're overseas, which could mean a hefty hospital bill.
- Cancelling because you'd rather not travel usually isn't covered. Cancelling because of a complication could be.
So, how far along can you be?
Here's how some travel insurers compare for a single, uncomplicated pregnancy:
| Insurer | Single pregnancy covered up to |
|---|---|
| Cover-More | 23 weeks, 6 days |
| Australia Post Travel Insurance | 23 weeks |
| Travel Protect | 24 weeks |
| Wise and Silent Insurance | 24 weeks |
| Southern Cross Travel Insurance | 24 weeks |
| Zoom | 24 weeks, 6 days |
| ahm | 25 weeks |
| Tick | 30 weeks |
| InsureandGo | 30 weeks |
Cut-offs can vary between policy levels, so it's important to always check the PDS for the policy you're buying.
A little bonus for your babymoon
If you purchase an eligible Southern Cross Travel Insurance policy through Finder between 22 October 2026 and 20 January 2027 and you'll get a $20 digital Visa gift card.
Southern Cross covers single, uncomplicated pregnancies up to 24 weeks, plus it took home the title of Best Comprehensive Travel Insurance at the 2026 Finder Awards.
To get the reward, you'll need to click through from Finder and buy during the promotion period. T&Cs apply.
4 tips for travelling while pregnant this summer
- Tell your insurer you're pregnant. If you've had complications with this or a previous pregnancy, you may need to complete a medical assessment, and an extra premium may apply.
- Check with your doctor first. Get the all-clear to travel, plus a fit-to-fly letter if you'll be past 28 weeks.
- Check the rules for twins or IVF. If either applies to you, look for a policy that specifically covers it.
- Buy cover as soon as you book. That way, cancellation cover is in place if a complication means you can't go.
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