Travel insurance for pregnancy

Pregnant woman diving

Compare 25 options offering travel insurance for pregnancy

Brand Single pregnancy (Max weeks) Multiple pregnancy (Max weeks) Apply
1cover logo

24 weeks

19 weeks

Get quote

AllClear logo

36 weeks

32 weeks

Get quote

american express

24 weeks

Not stated

Get quote

Picture not described: australia-post.png

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 Direct
Pregnancy extension

30 weeks

Not covered

Get quote

Fast Cover

23 weeks

19 weeks

Get quote

Picture not described: Insureandgo-logo-min.png

32 weeks

26 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

26 weeks

19 weeks

Get quote
worldcare travel insurance logo

23 weeks

Not stated

Get quote

24 weeks

19 weeks

Get quote

Medibank Travel Insurance

26 weeks

Not stated

Get quote

Picture not described: online-travel-insurance-logo-200x120.png

24 weeks

Not covered

Get quote

Picture not described: tick-travel-insurance-logo-200x120.png

32 weeks

26 weeks

Get quote

Picture not described: travel-insurance-saver-logo1.png
26 weeks Not stated Get quote

Picture not described: travel-insuranz-logo.png
18 weeks Not covered Get quote

Virgin Money

23 weeks

Not covered

Get quote

Picture not described

23 weeks

Not stated

Get quote

world2cover icon

26 weeks

Not stated

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

26 weeks

19 weeks

Get quote

Travel insurance for pregnancy up to 36 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 between 32 to 36 weeks in your pregnancy.

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

Picture not described

36 weeks

32 weeks

Get quote

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 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
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.

Compare travel insurance quotes

Made a search before? Retrieve your search results

At least one destination is required
Both dates are required
Add more travellers
Enter the age of each traveller between 0 and 99

Enter a valid email address

At least one destination is required
Starting date is required
Add more travellers
Enter the age of each traveller between 0 and 99

Enter a valid email address

Type or Select your destination(s)

Popular Destinations

Americas
Asia
Europe
Pacific
Africa
Can't find your destination? Just type it in the box above.

We compare products from

By submitting this form, you agree to the finder.com.au Privacy & Cookies Policy and Terms of Use, Disclaimer & Privacy Policy.

Any more questions?

Picture: GettyImages
Icons made by Freepik from www.flaticon.com is licensed by CC 3.0 BY

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.
Ask a question
Go to site