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 pandemic. Some information may not be accurate at this time. It’s even more important to double-check all details that matter to you before taking out cover. Please note:
    • Some policies may not be available through Finder at this time
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    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.

    Name Product Maximum Gestation Period Unexpected Medical Complications Emergency Childbirth Newborn Care
    Southern Cross Travel Insurance
    Up to 20 weeks
    Zoom Travel Insurance
    Up to 24 weeks
    Travel with Jane Travel Insurance + Pregnancy Add-on
    Up to 33 weeks
    Columbus Direct Travel Insurance + Pregnacy Extension Option
    Up to 30 weeks
    AllClear Travel Insurance
    Up to 36 weeks
    Travel with Jane Travel Insurance
    Up to 26 weeks
    Travel Insurance Direct
    Up to 26 weeks
    Online Travel Insurance
    Up to 24 weeks
    Fast Cover Travel Insurance
    Up to 23 weeks
    Cover-More Travel Insurance
    Up to 24 weeks
    InsureandGo Travel Insurance
    Up to 32 weeks
    Tick Travel Insurance
    Up to 32 weeks
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    Compare up to 4 providers

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    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.

    When can I get pregnancy travel insurance

    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

    Compare brands for pregnancy cover

    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:

    • toxaemia
    • gestational diabetes
    • gestational hypertension
    • pre-eclampsia
    • ectopic pregnancy
    • molar pregnancy or hydatidiform mole
    • post-partum haemorrhage
    • retained placenta membrane
    • placental abruption
    • hyperemesis gravidarum
    • placenta praevia
    • Stillbirth
    • miscarriage
    • 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.

    travel insurance pregnant (1)

    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.
    warning Finally, some good news! Domestic travel is picking up, so some insurers have started offering cover again 🦘
    Just remember, you won't be covered for any pandemic related claims if you do take out domestic travel insurance.
    International travel insurance is limited and sometimes unavailable at this point.

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    12 Responses

      Default Gravatar
      SallyApril 6, 2016

      Some of the insurance companies you have listed above show they cover for IVF and Multiple pregnancies but when I go to their sites one or both of these conditions isn’t covered. Is this table up to date? Thanks

        Avatarfinder Customer Care
        RichardApril 7, 2016Staff

        Hi Sally,

        Thanks for your question. I have gone through the table to make sure the information is correct. A couple of the providers have indeed updated their information. The data contained in the table reflects the information available in the product disclosure statements (PDS) available from each insurance brand and is up to date.

        I hope this was helpful,
        Richard

        Default Gravatar
        ErinNovember 10, 2016

        Your table is still out of date. Already been through three of the companies you listed as being ok to cover pregnancies as a result of IVF and none so far actually cover this.

        Avatarfinder Customer Care
        RichardNovember 11, 2016Staff

        Hi Erin,

        Thanks for getting in touch. I’ve reviewed the table and amended those policies which have been updated. It looks like for the majority, you’ll need to provide a pre-existing medical declaration. Also, Worldcare does offer this cover.

        All the best,
        Richard

      Default Gravatar
      RebeccaMarch 11, 2016

      Hi,
      I am planning to travel to Fiji for 1week, returning in my 32nd week of pregnancy. Obstetrician is happy for me to go.
      Single, unassisted and healthy pregnancy.
      I have found some providers that will cover me, but not the baby if it is born prematurely. Can you provide any advice on who would cover the costs for both me and the baby?
      Thank you,
      Rebecca

        Avatarfinder Customer Care
        RichardMarch 13, 2016Staff

        Hi Rebecca,

        Thanks for your question.

        There are a lot of travel insurance brands that include pregnancy cover as part of their standard policy. While a fair few insurers cover emergency births, some insurers do not cover childbirth at any stage of the pregnancy.

        If the policy you are going to take out 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.

        You may see the list of insurers on the pregnancy travel insurance and speak to insurers that includes emergency childbirth.

        I hope this was helpful,
        Richard

      Default Gravatar
      LucieJune 15, 2015

      Dear Will,
      I would like to ask you, if you can recommend me some travel insurance. I will travel to Israel on 2.July till 13.July and will be in my 31./32. week of pregnancy. Im from Czech rep. and here we have travel insurance covering pregnancy issues just till 28.week. Thanks for your answer

        Avatarfinder Customer Care
        RichardJune 16, 2015Staff

        Hi Lucie,

        Thanks for your question. finder.com.au is a comparison service and we are not permitted to provide personalised advice. The travel insurers in our panel provide policies for Australian citizen and those in Australia on certain visas.

        I hope this was helpful,
        Richard

      Default Gravatar
      CatApril 30, 2015

      Will anyone cover a refund of paid for bookings if I get pregnant after paying and therefore have to cancel because the destination is not safe during pregnancy (such as Cusco in Peru)?

        Avatarfinder Customer Care
        WilliamMay 1, 2015Staff

        Hi Cat,

        Generally Pregnancy will be only covered up to 26 weeks inclusive, if it is a single, natural and no complications and cover will only be provided if it is an emergency. General check ups are not covered under the policy.You would not covered if it is unsafe to travel, you are only covered for cancellation if case there is a complication that has been certified by a medical practitioner.

        I hope this helps,

        Will

        Default Gravatar
        HbAugust 3, 2017

        Hi can I check if a 26 week 5 day pregnancy would be covered under the ’26 week inclusive’ clause? Thanks very much.

        Default Gravatar
        ArnoldAugust 4, 2017

        Hi Hb,

        Thanks for your inquiry.

        This extension provides cover from the 26th week of pregnancy for unexpected pregnancy-related complications, childbirth, and care of new-born during the trip, provided:

        – Your trip does not extend beyond the 30th week of pregnancy

        – You’re not traveling against the advice of your doctor or midwife

        – There have been no complications with your pregnancy

        – It’s not a multiple pregnancy

        – The pregnancy did not result from assisted reproductive programs

        Note: if you have any non-pregnancy related medical conditions you will need to apply for this extension by phone

        Hope this information helped.

        Cheers,
        Arnold

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