Enter your trip details, filter by "Pregnancy", and select 'More info' to see each travel insurers maximum gestation period.
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.
It can cover you for;
Yes, travel insurance may cover claims that arise from complications that include:
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:
This list isn't exhaustive. If there's something specific that you're worried about, check directly with your chosen insurer.
Here's a more detailed breakdown of how some of Australia's most popular travel insurers cover pregnancy.
Most insurers can cover you if you're between 20-26 weeks pregnant. The risk of complications, including giving birth, increases as you move towards the end of your third trimester. But, you can still get cover outside of these times in some cases.
Be aware that some domestic travel policies won't include pregnancy cover. Also, insurers will likely set strict conditions about what they'll cover – and what they won't – in relation to your pregnancy.
"I have actually planned international travel around pregnancy in the past to give me peace of mind. The last thing I ever wanted was to end up giving birth in a foreign country without the same access to affordable healthcare we have in Australia. Different countries have different laws around 'viability' too, which is awful to think about – the gestation at which doctors think the baby being born is viable with life - but it's really important. In Australia viability is 24 weeks, but in other countries it's 26 weeks. Most recently I flew at 15 weeks pregnant and I read my policy that came free with my credit card before I travelled, and confirmed that as long as I spend at least $500 on travel using my card, I was covered for pregnancy up to 23 weeks."
While travel can be relaxing, memorable and fun, it also comes with a number of risks attached. Before hitting the road, make sure you’re aware of what can go wrong, and the complications it could cause for you and your unborn child:
Want to make sure you're covered in case your relative falls ill or passes away at home while you're travelling? Read more.
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
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
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.
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
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
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
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
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
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)?
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
Hi can I check if a 26 week 5 day pregnancy would be covered under the ’26 week inclusive’ clause? Thanks very much.
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