Travel insurance for pregnancy

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Pregnant woman diving

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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.

Brand Single pregnancy (Max weeks) Multiple pregnancy (Max weeks) Apply
All clear travel insurance 36 weeks 32 weeks
Travel with jane travel insurance

+Pregnancy add-on

33 weeks 23 weeks
Insureandgo travel insurance 32 weeks 26 weeks
Tick travel insurance 32 weeks 26 weeks
Travel with kit travel insurance

+Pregnancy pack

32 weeks 23 weeks
Columbus direct travel insurance

+Pregnancy extension

30 weeks No cover
Travel with jane travel insurance 26 weeks 19 weeks
World2cover travel insurance 26 weeks Not stated
Medibank travel insurance 26 weeks Not stated
RACV travel insurance 26 weeks Not stated
Travel insurance saver travel insurance 26 weeks Not stated
Tilda travel insurance 26 weeks 19 weeks
Travel with kit travel insurance 26 weeks 19 weeks
Columbus direct travel insurance 25 weeks No cover
1Cover travel insurance 24 weeks 19 weeks
Zoom travel insurance 24 weeks 19 weeks
Online travel insurance 24 weeks No cover
Australia post travel insurance 24 weeks Not stated
Fast cover travel insurance 23 weeks 19 weeks
Worldcare travel insurance 23 weeks Not stated
Virgin travel insurance 23 weeks No cover
Webjet travel insurance 23 weeks 23 weeks
Holiday Rescue Travel Insurance 20 weeks Not stated
Travel insuranz 18 weeks No cover
Insure4less travel insurance 18 weeks No cover

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.

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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 medtrcal 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
worldcare travel insurance logo
  • 26 weeks
  • 19 weeks
  • 26 weeks

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

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

Picture not described: world2cover-logo-min.png Image: Getty

World2Cover

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

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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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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