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Travel insurance for pregnancy

Looking for pregnancy travel insurance? We're here to help.

Travel insurance is always important - but even more so when you're pregnant. Policies can be really different, so we've done the research to show you how different brands on Finder cover how far you are in your pregnancy (anywhere from 20 to 32 weeks), whether you're having twins or whether you had IVF.

Compare 15+ brands offering 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.

Brand Single pregnancy (Max weeks) Multiple pregnancy (Max weeks) Apply
american express

24 weeks

Not stated

Get quote
Tilda logo Image: Supplied

26 weeks

19 weeks

Get quote
Columbus Direct

25 weeks

Not covered

Get quote
Columbus DirectPregnancy extension

30 weeks

Not covered

Get quote
CoverMore

26 weeks

Not stated

Get quote
Fast Cover

23 weeks

19 weeks

Get quote
Holiday Rescue Travel Insurance

20 weeks

Not stated

Get quote
insure4less

18 weeks

Not covered

Get quote
racv logo

26 weeks

Not stated

Get quote
26 weeks

19 weeks

Get quote
worldcare travel insurance logo

26 weeks

19 weeks

Get quote

24 weeks

19 weeks

Get quote
Medibank Travel Insurance

26 weeks

Not stated

Get quote
Online Travel Insurance

23 weeks

Not covered

Get quote
Virgin Money

23 weeks

Not covered

Get quote
Picture not described: travelwithkit-logo-120x40-min.png Image: Supplied

26 weeks

19 weeks

Get quote

Travel insurance for pregnancy up to 32 weeks

It's generally advised to avoid extended travel in your third trimester but sometimes this isn't possible. Fortunately, we have found some partners who may provide cover for up to 32 weeks in your pregnancy.

Brand Single pregnancy (Max weeks) Multiple pregnancy (Max weeks) Apply
insureandgo

32 weeks

26 weeks

Get quote
Tick Travel Insurance

32 weeks

26 weeks

Get quote
Picture not described: travelwithkit-logo-120x40-min.png Image: Supplied

Pregnancy Pack

32 weeks

23 weeks

Get quote

How to find the best travel insurance for pregnancy

    Look for:
  • Unlimited medical expenses for unexpected pregnancy-related issues
  • Cover for pregnancy complications such as premature births
  • Cover for cancellations in case your doctor advises you not to travel
  • Cover for pre-paid expenses so you're not left out of pocket

What does pregnancy travel insurance cover?

Pregnancy is often considered a pre-existing medical condition which means that you have to disclose that you are pregnant before buying a policy. Fortunately, pregnancy is also automatically covered with most insurers as long as it is within a certain gestation period and is uncomplicated.

Pregnancy will generally be covered if it satisfies the following criteria:

  • Complications that arise while you're travelling and pregnancy are unexpected
  • The trip falls within the number of weeks covered by the provider (See table above for a full list of weeks of coverage)
  • Trip does not arise out of treatment associated with reproductive programs such as in-vitro fertilisation (IVF), unless noted that the insurer covers IVF

As an example, many insurers will cover a single, uncomplicated pregnancy up to a specified limit of gestation, such as 26 weeks. Other insurers may require you to complete an online medical assessment before approving your application, but will still allow you to purchase cover. Be mindful that while most insurers will provide some level of cover for pregnancy, others may not cover it at all.

Start your search

What about pregnancy complications?
Most travel insurance policies will only cover pregnancies if they're uncomplicated.

Insurers consider a complication as a secondary diagnosis that could adversely affect the pregnancy, and it can occur before, during or as a result of pregnancy. Some common pregnancy complications include:

  • Toxaemia (toxins in the blood)
  • Gestational hypertension (high blood pressure arising as a result of pregnancy)
  • Gestational diabetes (diabetes that arises as a result of pregnancy)
  • Pre-eclampsia (high blood pressure, swelling of hands and feet, and protein in urine)
  • Hyperemesis gravidarum (excessive vomiting as a result of pregnancy)
  • Ectopic pregnancy (a pregnancy that develops outside of the uterus)
  • Placenta previa (when the placenta is in the lower part of the uterus and covers the cervix)
  • Placental abruption (when part or all of the placenta separates from the wall of the uterus)
  • Stillbirth
  • Miscarriage
  • Emergency caesarean section
  • A termination needed for medical reasons

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
  • You are beyond a certain period of gestation (usually between 26-32 weeks). If you have a multiple pregnancy and your insurer agrees to provide cover, this cover typically only extends to 19 weeks' gestation
  • You have a multiple pregnancy
  • 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)

Can I get travel insurance for IVF pregnancy?

Yes - while many brands exclude or don't make it clear whether they cover pregnancy from IVF or fertility treatments, these brands have specifically stated to what point they cover in pregnancies resulting from fertility treatments.

Brand Single pregnancy (Max weeks) Multiple pregnancy (Max weeks) Conditions if result of fertility treatment* Apply
  • 24 weeks
  • 19 weeks
  • Must complete a pre-existing medical declaration form
Get quote
CoverMore
  • 26 weeks
  • Not stated
  • Must complete a pre-existing medical declaration form

Get quote
worldcare travel insurance logo
  • 26 weeks
  • 19 weeks
  • 26 weeks
Get quote

Is childbirth covered?

A lot of insurers either exclude childbirth from cover or don't mention it at all. We've done some research and found three of our partnered brands that explicitly mention childbirth and the conditions in which cover is provided.

Brand Feature Apply
Picture not described: columbus-direct-logo.png Image: Getty

Columbus Direct Travel Insurance

If you add on the Pregnancy Extension, you can get cover for childbirth and the care of your newborn if between 26-30 weeks of pregnancy Get Quote
Picture not described: Insureandgo-logo-min.png Image: Getty

InsureandGo Travel Insurance

Cover for emergency childbirth, up until your 32nd week for single pregnancy and 24th week for a multiple pregnancy Get Quote
Picture not described: world2cover-logo-min.png Image: Getty

World2Cover

Cover for childbirth before the 26th week which was caused by an accidental injury Get Quote

Pregnancy travel insurance: Australia

Travelling domestically? While Medicare and private health insurance may take care of the costs of medical treatment relating to your pregnancy, you want to consider travel insurance for the unexpected things that come along with it.

  • Cancellations. To cover fees/expenses if your doctor advises to avoid travel and you have to cancel your accommodation and tickets.
  • Lost or delayed luggage. Cover for all the expensive maternity clothes and products you might bring with you while travelling domestically.

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16 Responses

  1. 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

  2. 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. finder.com.au is a comparison service and we are not permitted to provide our users with personalised financial advice or make product recommendations. Most of the travel insurance brands in the finder.com.au panel do not cover for childbirth overseas. However, Columbus Direct do offer a pregnancy extension that may be suitable for your needs.

      I hope this was helpful,
      Richard

  3. Default Gravatar
    JessicaSeptember 4, 2015

    You’ve stated on here that worldcare and simply travel insurance cover for IVF or assisted reproductive. This is actually incorrect information. There is no cover for either of these companies as stated in their PDS

    • Avatarfinder Customer Care
      RichardSeptember 4, 2015Staff

      Hi Jessica,

      Thanks for your comment. Both WorldCare and Simply Travel Insurance do provide cover if your pregnancy is associated with an assisted reproduction program including but not limited to in vitro fertilisation for an additional premium. For more information, please refer to the pre-existing condition section, step 1, point c of the relevant PDS:
      WorldCare
      Simply Travel Insurance

      I hope this was helpful,
      Richard

    • Default Gravatar
      JessicaSeptember 4, 2015

      Hi Will, if you look at the PDS that you attached for me in my previous comment on page 15 of worldcare and page 13 of simply travel insurance it states very clearly that for pregnancy resulting from fertility treatment not limited to IVF COVER IS NOT AVAILABLE UNDER ANY PLAN FOR TREATMENT OR ANY RESULTING PREGNANCY.

    • Avatarfinder Customer Care
      RichardSeptember 4, 2015Staff

      Hi Jessica,

      Thanks for your comment. The point you are referring to from the PDS is for people who are not yet pregnant but are undergoing fertility treatment. The table at the top of the page, and what the pervious point was in reference to, is for those travelling who are pregnant and that pregnancy was the result of an IVF or other fertility treatment.

      I hope this clears up any misunderstanding,
      Richard

  4. 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

  5. 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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