Please Note - If you are cruising around Australia you need to select Pacific.
With Regions, variances can apply for Bali, Indonesia, Japan and Middle East.
You are not required to enter stop-over countries if your stop-over is less than 48 hours.
Most of us know the importance of purchasing travel insurance and the peace of mind it brings. So when it comes to travelling during pregnancy, whether you’re jetsetting to an island resort to put your feet up or heading to a comforting family home abroad, it’s important to get travel insurance that covers you and your unborn baby.
The good news is, several Kiwi companies will cover you for travelling when pregnant, and we've done the research to tell you who!
Click the 'plus sign' for more detail on the terms of cover for each insurer.
Insurer | Single pregnancy max gestation cover | 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 |
Buy Now |
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1Cover |
24 Weeks | Automaticlly covered up to and inclusive of the 24th week of gestation. | Automatically covered up to and inclusive of the 24th week of gestation providing no complications | Automatically covered up to and inclusive of the 19th week of gestation. | Automatically covered up to and inclusive of the 19th week of gestation providing no complications. | Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply. | |
Columbus Direct | 30 Weeks | Automatically covered up to and inclusive of the 25th week of gestation. You can apply to extend cover to include trips up to the 30th week of pregnancy, and to include cover for childbirth and care of a newborn from week 26 to week 30 for an additional premium. | No pregnancy related cover offered | No pregnancy related cover offered | No pregnancy related cover offered | No pregnancy related cover offered | |
Cover-more |
24 Weeks | Automatically covered up to and inclusive of the 24th week of gestation. | Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply | Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply | Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply | Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply | |
NZ Travel Insurance |
20 Weeks | Automatically covered up to and inclusive of the 20th week of gestation. | No pregnancy related cover offered | No pregnancy related cover offered | No pregnancy related cover offered | No pregnancy related cover offered | |
STA Travel |
23 Weeks | Automatically covered up to and inclusive of the 23rd week of gestation. | No pregnancy related cover offered | No pregnancy related cover offered | No pregnancy related cover offered | No pregnancy related cover offered | |
Southern Cross Travel Insurance | 20 Weeks | Automatically covered up to and inclusive of the 20th week of gestation. | Automatically covered up to and inclusive of the 20th week of gestation. | Automatically covered up to and inclusive of the 20th week of gestation. | Automatically covered up to and inclusive of the 20th week of gestation. | No pregnancy related cover offered | |
State Travel Insurance |
24 Weeks | Automatically covered up to and inclusive of the 24th week of gestation. | Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply | Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply | Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply | Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply | |
TINZ |
24 Weeks | Automatically covered up to and inclusive of the 24th week of gestation. | Automatically covered up to and inclusive of the 24th week of gestation providing no complications. | Automatically covered up to and inclusive of the 19th week of gestation. | Automatically covered up to and inclusive of the 19th week of gestation providing no complications. | Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply. | |
Travel Insurance Direct |
26 Weeks | Automatically covered up to and inclusive of the 26th week of gestation. | No pregnancy related cover offered | No pregnancy related cover offered | No pregnancy related cover offered | No pregnancy related cover offered | |
Webjet |
23 Weeks | Automatically covered up to and inclusive of the 23rd week of gestation. | No pregnancy related cover offered | No pregnancy related cover offered | No pregnancy related cover offered | No pregnancy related cover offered | |
World Nomads |
26 Weeks |
Automatically covered up to and inclusive of the 26th week of gestation. | No pregnancy related cover offered | No pregnancy related cover offered | No pregnancy related cover offered | No pregnancy related cover offered | |
Worldcare | 20 Weeks | Automatically covered up to and inclusive of the 20th week of gestation. | Automatically covered up to and inclusive of the 20th week of gestation. | Automatically covered up to and inclusive of the 20th week of gestation. | No pregnancy related cover offered | No pregnancy related cover offered | |
Zoom Travel Insurance |
24 Weeks | Automatically covered up to and inclusive of the 24th week of gestation | Automatically covered up to and inclusive of the 24th week of gestation providing no complications | Automatically covered up to and inclusive of the 19th week of gestation. | Automatically covered up to and inclusive of the 24th week of gestation providing no complications | Requires an online medical assessment to be completed to see if cover can be offered. Additional premiums may apply |
General Advice Warning: The contents of this article were accurate at the time of writing. Insurers change their policies from time to time, so some information may have changed. You should always read the Product Disclosure Statement of your chosen insurer to understand what is covered and what isn't. The information provided is of a general nature only and does not take into account any personal objectives, financial situation or needs. Before making a decision you should consider the appropriateness of the information having regard to your personal circumstances.
It’s important to remember that exclusions apply to most policies. For example even if you’ve found an insurer that covers your specific circumstances, you probably wouldn't have cover:
A complication is known as a secondary diagnosis occuring prior to, during the course of, concurrent with, or as a result of pregnancy, which may adversely affect the pregnancy outcome. E.g:
While travelling when pregnant is considered safe during your first and second trimesters, it’s still a good idea to do some fact checking and seek medical advice before you go. Here’s some things to consider:
Destination: A remote island might be the ultimate luxury but it might not be the best location for your pre-babymoon. Consider locations with good road access, transport networks and access to medical facilities.
Adventure: Your pre-baby getaway is the perfect time to relax and unwind rather than seeing the sites and inundating yourself in adventurous activities. Mums-to-be should be cautious about scuba diving, amusement park rides, anything that might rise your temperature too. Speak to your doctor about recommended activities before you book anything up.
Local food and drink: A pad Thai from a street vendor might be exactly what you’re craving, but can you guarantee its freshness? Be cautious about food you suspect may not have been kept refrigerated, and remember you can’t always drink the water straight from the tap.
Vaccinations and medication: Are you suffering from heart burn or morning sickness? Make sure you’ve got your essential medicines and vitamins packed in your case, rather than relying on local pharmacies. Plan any vaccinations well in advance and make sure they’re suitable for you and your bump as they’re not always recommended for pregnant women.
What happens to you when you fly: Swelling and dehydration on a plane is common - especially for those that are expecting. Sitting on a plane for 8 hours and lack of movement can also mean there’s a higher risk of deep vein thrombosis. Make sure you keep moving every couple of hours (at least), drink heaps of water, wear comfy clothes (with room to grow), and wear DVT flight socks! Remember if you’re over 28 weeks you need a letter from your doctor saying you’re fit to fly.
Having the right travel insurance for your holiday is always important, especially when you’re pregnant. Expecting a child makes you more vulnerable than the average traveller to potential risk. On the off-chance you do need to cancel your trip and hurry home or require medical care, travel insurance will have you covered. Travelling while pregnant can be nerve racking. Having the right cover will allow you to put your feet up and enjoy your time away before the sleepless nights come.
Remember that benefits and exclusions vary greatly from insurer to insurer, so it's vital to make sure you real the small print before you head off on your hols.
Disclaimer: This information is provided as a general guide only and the fine print of the PDS should be read to determine whether the provider or policy is best for your circumstances.
Start comparing now to find the best policy for you and your bump!
Need some help? Use the search box below to find answers to all those tricky questions. We’ve got heaps of travel insurance tips to help you get the best policy for your upcoming holiday!
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