Travel insurance: Pregnancy
Find the right pregnancy travel insurance. You can even get cover if you’re more than 32 weeks pregnant.
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Important:Travel insurance rules continue to change as a result of the coronavirus pandemic. We’re working hard to keep up and make sure our guides are up to date, however some information may not be accurate during the pandemic. It’s even more important to double-check all details that matter to you before taking out cover. Please know that some policies may not be available through Finder at this time. Here are some helpful tips:
- If you're buying a policy today, it's unlikely that you'll be covered for border closures
- If your travel plans go against government advice, your policy will most likely be voided and you won't be covered
We understand that travelling while pregnant can be stressful so we've done the research on over 20 travel insurance brands and narrowed down options to help you find the right cover. Get peace-of-mind for you and the little one on the way.
Compare travel insurance for pregnancy
Brands generally provide cover based on how far along you are in your pregnancy and if it is a single or multiple pregnancy. See the table below to compare the options available to you.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
What else is on this page?
What is pregnancy travel insurance?
Pregnancy travel insurance is a policy that will cover you for pregnancy-related expenses while you travel. It's most handy for unexpected medical expenses and cancellation. While it's not usually a specific type of policy, you can get covered by choosing the right travel insurance for your trip.
When can I get travel insurance for pregnancy?
Most insurers can cover you if you're between 20-26 weeks pregnant, but you can still get cover if you're 36 weeks pregnant. This can differ depending on your individual circumstance.
What can I get covered for?
- Financial support for unexpected medical complications
- Emergency childbirth
- Cancellation cover if your doctor says it's not safe to travel
- Additional expenses to fly your partner or a relative to support you in case of emergency
- Your repatriation to Australia in case of emergency (this usually won't cover the repatriation of your baby if it's born overseas)
- Daily hospital cash allowance to cover things like TV use and magazines in the hospital
How to find the best travel insurance for pregnancy
1. Ask your doctor if it's safe to travel
2. Figure out your gestation period
3. Compare your options and choose a brand that will cover your gestation period
4. Make sure you have cover for pregnancy-related complications and cancellations
5. Buy the travel insurance policy as early as possible
How does travel insurance cover pregnancy?
Travel insurance can cover pregnancy in a few ways. When you apply online, the insurer will guide you through the application to make sure you get the right level of cover.
- Automatic cover. A lot of travel insurance brands include pregnancy cover as part of their standard policy. This type of cover is free with most insurers but is probably best for uncomplicated pregnancies.
- Declaring conditions. If you've undergone fertility treatment (IVF), have more than one baby on the way, or have other pregnancy-related conditions, you may have to let your insurer know. You can do this by an online medical assessment. If the insurer agrees to provide you cover, there might be an additional cost. If you don't want to pay the extra premium, the insurer may decline claims that could be related to the condition.
- Add-on packs. These packs usually offer cover for extended gestation periods as long as your doctor is okay with you travelling. They're also more likely to cover childbirth and sometimes even care for your newborn.
Does travel insurance cover pregnancy complications?
Yes, travel insurance may cover claims that arise from complications that include:
- gestational diabetes
- gestational hypertension
- ectopic pregnancy
- molar pregnancy or hydatidiform mole
- post-partum haemorrhage
- retained placenta membrane
- placental abruption
- hyperemesis gravidarum
- placenta praevia
- emergency caesarean section
- a termination due to medical reasons
- premature births (insurers may have a gestation limit)
What isn't covered by pregnancy travel insurance?
There are certain situations and circumstances when pregnancy simply will not be covered by your travel insurance. Your insurer may not provide any cover if:
- Your travel insurance claim is for antenatal care, childbirth or the care of a newborn child
- Your travel insurance claim is for standard pregnancy symptoms such as morning sickness, breast tenderness, fatigue, frequent urination, constipation and heartburn
- The purpose of your trip is to undergo fertility treatment
- You have experienced pregnancy complications prior to your policy being issued
- Your pregnancy was conceived through assisted reproduction services such as IVF
- You travel against medical advice
- Your pregnancy will pass the maximum period of gestation allowed by the insurer during your trip
- Your claim is for medical expenses incurred in Australia
- Your claim is for regular antenatal care and routine pregnancy check-ups, for example standard ultrasounds, blood tests or pregnancy tests
Please note that the above list of exclusions is by no means a comprehensive guide to pregnancy cover exclusions. Some insurers will provide cover where others won't, while in some cases it may be possible to remove specific exclusions by paying an extra premium or completing a medical assessment form.
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