Travel insurance brands usually cover pregnancies within the second trimester but it can extend as far as 36 weeks if you really need it.
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.
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
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:
molar pregnancy or hydatidiform mole
retained placenta membrane
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.
Compare travel insurance quotes
Get your instant travel insurance quote here. This will be the base price of your policy. You may have to add additional cover or declare your pregnancy directly with the insurer.
A travel ban is in place for all Australians effective 25 March 2020. Most travel insurance brands will not cover you if you travel against a government warning. If you already have a policy, please contact your insurer directly for more information. We are currently updating our site to reflect the Australian government’s advice. Some travel insurance policies will be temporarily unavailable.
Not usually. Most insurers will automatically cover single, uncomplicated pregnancies at no extra cost. If you're having twins, have had fertility treatments (like IVF) or have pre-existing conditions related to your pregnancy, you may have to pay an additional premium.
It's completely up to you but you won't be covered for any medical-related claims since you'll have Medicare or cover from your private health insurance. One of the biggest benefits of having travel insurance when you're travelling domestically would be to recover costs if your doctor says your unfit to travel and advises to cancel your trip.
Yes. There are a fair few travel insurance brands that will cover multiple pregnancies. You may have to take an online medical assessment when applying and pay for any additional premiums for cover.
Yes. There are some travel insurance brands that will cover having more than 2 babies. You'll most likely have to do an online medical assessment and pay for additional premiums.
If your policy covers pregnancy, then there's a good chance it will cover emergency births. If this is something you're worried about, make sure you confirm directly with your insurer. While a fair few insurers cover emergency births, some insurers do not cover childbirth at any stage of the pregnancy.
If you're planning to give birth overseas, it wouldn't be considered an emergency birth so it's most likely that travel insurance will not cover the medical expenses.
Most insurers will not provide cover for standard check-ups or scans. If a scan is necessary due to a complication or something unexpected, you may want to contact your insurer directly.
The Zika Virus is considered a pandemic and unfortunately, most insurers will not cover pandemics. As the virus is a 'known event' most insurers will not provide cover if you choose to cancel your trip to affected areas.
It is a good idea to start looking for your pregnancy travel insurance cover before you actually make any firm bookings with regards to hotels and flights for your travel. This is because the last thing you want to do is pay for non-refundable services only to find that you cannot get travel insurance for some reason or it is too costly. Having said that, it is advisable to work out where and when you want to go, decide on your maximum budget for travel insurance cover and then start browsing travel insurance plans and providers to see what sort of cover and price you can get. If you find that you are able to get a good deal on suitable pregnancy travel insurance cover you can then go ahead and book your travel as well as your insurance cover.
It really depends on the insurer. There are many insurers who will not provide any cover for the cost of childbirth or expenses related to the medical care of a newborn baby. If you select such a policy and your baby is born overseas, keep in mind that you will most likely face extensive out-of-pocket expenses and, depending on where you're travelling, may not be able to access the best possible level of care for your baby.
However, some insurers will provide cover if your baby arrives early, as long as your little bundle of joy is born inside the insurer's maximum weeks of pregnancy permitted time limit. As always, check the PDS closely to read the full terms and conditions and contact the insurer directly if there's anything you're unsure about.
If you reach the 32-week mark halfway through your holiday, don't expect your travel insurance to continue providing pregnancy cover all the way through until you return to Australia. In fact, many will refuse to provide any pregnancy cover for your trip unless you're due to return to Australia before the gestation limit has been reached. Once you've reached the insurer's maximum coverable gestation, you will most likely be unable to claim for anything related to your pregnancy or its complications. We recommend making sure your trip ends before you hit the 32-week mark to ensure your whole holiday is covered.
If you're advised against travelling by your doctor, the good news is that your travel insurance policy can provide cover for the cost of cancelling your holiday. This includes cover for any cancellation fees you're required to pay, as well as any pre-paid deposits for accommodation, tours and the like that are non-refundable. You can also take advantage of trip interruption cover from your travel insurer. For example, if an unexpected complication develops during your journey and treating doctors recommend that the best course of action is for you to return home and rest, travel insurance can cover the cost of your forfeited pre-paid expenses and also the additional flights needed to get you home safely.
Yes. If you fail to inform your insurer about your pregnancy you will most likely not be covered.
If I become pregnant after I buy my policy, will I still be covered? It depends on your insurer but generally if you inform your insurer of the change in circumstances you should be able to get cover.
Generally speaking, you do not need to undergo a medical assessment before you can purchase travel insurance. Provided you're inside the insurer's maximum allowable weeks of gestation and you have not had any complications, you should have no trouble finding a policy.
However, some insurers will require any pregnant woman to complete a medical assessment before they can be covered, while others may require you to undergo an assessment if you've experienced complications as a result of your pregnancy.
This assessment typically takes the form of an online questionnaire requiring you to answer a few simple questions about your pregnancy and any complications – there's usually no need to worry about providing a doctor's certificate or any other medical reports. Check with your insurer for details of whether or not you will need to complete a medical assessment before obtaining cover.
Travel insurance policies do not generally mention abortions specifically, but will generally not cover it except in some very rare circumstances. It is possible, but unlikely, that some medical tourism travel insurance policies would cover some of the costs. The only situation where travel insurance would pay for an abortion would be if you were experiencing severe pregnancy complications, and an abortion was the medically recommended course of action.
Jessica Prasida is an associate publisher for Finder specialising in travel insurance. She loves travelling and is a wannabe dumplings master. Jess has a Bachelor of Business from the University of Technology Sydney and a Tier 1 General Insurance qualification. She is currently studying a Master of Marketing.
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