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Pregnancy travel insurance guide

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 11 providers that will provide travel insurance for pregnant women for unexpected medical complications. Yippee!

Hover over the ticks and crosses to see more pregnancy cover details.

About your pregnancy 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
1Cover 24 weeks
Covermore 24 weeks
Columbus Direct 30 weeks
NZ Travel Insurance 20 weeks
State 24 weeks
STA Travel 23 weeks
Southern Cross  20 weeks
Travel Insurance Cover (QBE) 20 weeks
Travel Insurance Direct 26 weeks
Tower 20 weeks
Webjet 23 weeks
Worldcare 20 weeks
Zoom 24 weeks

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.

Pregnancy exclusions

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’re travelling beyond the maximum pregnancy gestation permitted;
  • It is a multiple pregnancy;
  • The pregnancy resulted from assisted reproductive programmes;
  • Childbirth or the health care of a newborn child;
  • Complications during the pregnancy e.g Toxaemia (toxins in the blood), Gestational diabetes, Pre-eclampsia, Placenta praevia etc. Refer to your policy documentation for a full list, or give your chosen insurer a call.

Some of these exclusions can be removed by paying an additional premium or completing a medical assessment form.

5 Tips For Travelling While Pregnant

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.

Time To Jetset

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!


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