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Travel insurance: Pregnancy

Find the right pregnancy travel insurance – you can secure cover during your third trimester. However, very few providers will offer insurance after 30 weeks.

What you need to know

  • Travel insurers can offer cover up to 30 weeks of pregnancy, with a select few offering cover up to 36 weeks
  • You may need to let the travel insurer know that you are expecting
  • Cover may differ if you are expecting twins or have conceived through IVF

Compare travel insurance for pregnancy

Enter your trip details, filter by "Pregnancy", and select 'More info' to see each travel insurers maximum gestation period.

Use a comma or space to separate ages. Add kids under the age of 1 by typing a “0” 0 traveller(s)


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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.

It can cover you 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

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 claim is for antenatal care, childbirth or the care of a newborn child
  • Your 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've 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

This list isn't exhaustive. If there's something specific that you're worried about, check directly with your chosen insurer.

How do travel insurers cover pregnancy?

Here's a more detailed breakdown of how some of Australia's most popular travel insurers cover pregnancy.

Maximum Gestation PeriodUnexpected complicationsTwinsEmergency ChildbirthNewborn CareCancellation Expenses
zoom travel insuranceUp to 24 weeks
Up to 19 weeks
Up to an unlimited amount
Insure4less logoUp to 22 weeks
No cover
Up to $7,500
Picture not describedUp to 24 weeks
No cover
Up to $5,000
Southern crossUp to 24 weeks
Cover available, gestation period not stated
Cover chosen
Tick-Travel Insurance LogoUp to 30 weeks
Up to 20 weeks
Up to $20,000
Travel insuranz logoUp to 22 weeks
No cover
Up to $10,000
Picture not describedUp to 36 weeks
Up to 32 weeks
Up to an unlimited amount
World2coverUp to 26 weeks
Medical assessment must be completed
Up to an unlimited amount
Fast Cover LogoUp to 23 weeks
Up to 19 weeks
Up to an unlimited amount
Medibank logoUp to 26 weeks
Cover available, gestation period not stated
Up to an unlimited amount
CoverMore LogoUp to 32 weeks
Up to 28 weeks
Cover chosen
Travel Insurance SaverUp to 26 weeks
Cover available, gestation period not stated
Chosen Limit*
insureandgoUp to 30 weeks
Up to 20 weeks
Up to an unlimited amount
RACV logoUp to 26 weeks
Cover available, gestation period not stated
Up to an unlimited amount
Travel Insurance Direct logoUp to 26 weeks
No cover
Cover chosen
Travel with Jane LogoUp to 26 weeks
Up to 19 weeks
Up to $25,000
Travel with Kit logoUp to 26 weeks
Up to 19 weeks
Up to $15,000
Stella travel insurance logoUp to 24 weeks
19 weeks
Up to $40,000
Australia PostUp to 24 weeks
No cover
Cover chosen
Columbus direct logoUp to 25 weeks
No cover
Up to $20,000
1Cover LogoUp to 24 weeks
Up to 19 weeks
Up to an unlimited amount
Holiday rescue logoUp to 20 weeks
Not mentioned
Up to $50,000

How to find the best travel insurance for pregnancy

one

Ask your doctor if it's safe to travel

two

Figure out your gestation period

three

Compare your options and choose a brand that will cover your gestation period

four

Make sure you have cover for pregnancy-related complications and cancellations

five

Buy the travel insurance policy as early as possible

When can I get travel insurance for 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.

Why Sarah got travel insurance

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.

Risks for pregnant women while travelling

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:

  • Illness. Falling ill on the road is not only unpleasant, it can also cause serious issues for pregnant women. Due to the increased risk of disease, travel to developing countries is not recommended. You should also be very wary of visiting any country where malaria is present, as malaria can cause miscarriage, premature labour and stillbirth.
  • Food poisoning. Some infections can harm your baby or even lead to miscarriage, so be careful what you eat and drink if visiting a country with poor hygiene standards. Avoid undercooked meats and soft cheeses, wash your hands thoroughly, and don’t eat from dodgy street food vendors. If you’re not sure about the quality of the water supply, make sure to only drink bottled water.
  • Medications. Pregnant women need to be wary of taking any medications during pregnancy. Some medications, including some products commonly used to treat traveller’s diarrhoea, are dangerous during pregnancy. Make sure you only take medication recommended by a doctor who is aware of your pregnancy.
  • Stress. Battling crowds, rushing to make it to the airport on time and dealing with unexpected delays can all cause stress on a holiday. Try to just take it easy and go with the flow at all times, and avoid situations or experiences that are likely to cause stress. While piloting a scooter through the manic city streets of Hanoi might have been the perfect holiday experience when you were younger, a lazy beach holiday is a much better idea at this time of your life.
  • Deep vein thrombosis (DVT). Extended periods without moving, such as on a plane or in a car, can cause clots to form in the deep veins of the leg. DVT can potentially be fatal, and pregnant women have a higher risk of developing it.
  • Overheating. Overheating during pregnancy can cause serious problems, so take care if travelling in hot weather. Take it easy, stay hydrated at all times, avoid the hottest part of the day, wear plenty of sunscreen and avoid overexerting yourself.
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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
      RichardApril 7, 2016Finder

      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
      RichardNovember 11, 2016Finder

      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
      RichardMarch 13, 2016Finder

      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
      RichardJune 16, 2015Finder

      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
      WilliamMay 1, 2015Finder

      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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