Pregnancy travel insurance guide
We've done the hard work for you. 9 out of 15 insurers investigated will cover you for pregnancy related complications. Mouseover the table for more detail.
What better time to go on a holiday to unwind and relax than when you’re expecting your world to be turned upside down with a new addition coming into the family. There is no need for a healthy, well organised, determined woman to have to put her life on hold for nine months. Although pregnancy is no longer a barrier to travel, it is important to consider all aspects and be sensible about it.
Firstly, you should take out travel insurance as soon as you have booked your trip. Trip cancellation late in your pregnancy is obviously a higher risk than when you’re not pregnant, particularly for the late stages of pregnancy. Travel insurance will bring the much needed peace of mind, that you are covered should any pregnancy related complications occur during your travels.
Some insurers consider pregnancy to be a pre-existing medical condition and a medical assessment may be required. Others cover uncomplicated pregnancies up to a certain gestation without any fuss and there are many insurers that simply will not cover pregnancy related complications.
Of course that doesn’t mean you can’t take out travel insurance. It simply means that you are not covered for anything related to the pregnancy; which is probably your primary concern.
The good news - we’ve done the hard work for you to find 8 providers that will provide travel insurance for pregnant women for unexpected medical complications up until 26 weeks of pregnancy.
| About your pregnancy | Single pregnancy without complications | Single pregnancy conceived through assisted reproduction services | Multiple pregnancy without complications | Multiple pregnancy conceived through assisted reproduction services | Pregnancy complications experienced prior to policy being issued |
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| 1Cover |  |
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| Southern Cross Travel Insurance | |
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| Travel Insurance Direct | |
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| Travelsure | |
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| Downunder | |
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| Tower Insurance | |
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| State Travel Insurance | |
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| The Warehouse Travel Insurance | |
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All insurance policies have some restrictions and exclusions, and pregnancy is no different. So make sure you read your insurers PDS or contact them directly to ensure you understand what is, and importantly, what is not covered. Examples of possible exclusions include:
- Your doctor advised you against travel;
- You have experienced complications with the pregnancy;
- You’re travelling beyond the maximum pregnancy gestation permitted;
- It is a multiple pregnancy;
- The pregnancy resulted from assisted reproductive programmes;
- Excludes childbirth or the health care of a newborn child.
Start comparing now to find the best policy for you and your bump.
