Pregnancy Travel Insurance

InsureandGo makes it easy to obtain pregnancy travel insurance for expectant mothers who wish to travel.

Protecting yourself with travel insurance is incredibly important, especially when you are pregnant. InsureandGo offers one of the most comprehensive policies when it comes to pregnancy travel insurance, covering you if you are expecting a single child or multiple babies who were conceived naturally or via reproductive services. Best of all is our policies start from just $27*

What we Cover

Here at InsureandGo we provide emergency childbirth coverage:
  • Up until your 32nd week, for a single child pregnancy
  • Up until your 24th week, for a multiple child pregnancy

Emergency childbirth coverage includes the costs related to your birth and post-birth medical care; unfortunately at this stage we don’t offer any coverage for your baby.

Any medical expenses related to specific pregnancy-related complications (listed below) are covered even after the cut-off mark for childbirth coverage.

You will also have trip cancellation and pre-paid expenses coverage for medically certified pregnancy-related cancellations (under Silver and Gold policies). This means you are covered in the event you need to cancel your trip if you become pregnant after we have sold you your policy, and you will be more than 32 weeks pregnant (or 24 weeks if you are expecting more than one baby) at the start of or during your trip. You are also covered if your doctor advises that you are not fit to travel because you are suffering from complications of pregnancy and childbirth.

Any claim that comes from pregnancy or childbirth must have confirmation from a qualified medical practitioner which states the claim is due to complications of pregnancy and childbirth. Accepted limited complications are explicitly listed in your PDS. 

These benefits are a summary, so please see our PDS for full terms & conditions.

Why Travel With Us?

  • Trip cancellation and pre-paid expenses for medically certified pregnancy-related cancellations
  • Medical expenses related to specific pregnancy-related complications even after cut-off mark
  • Emergency delivery of baby up to 32 weeks (single) and 24 weeks (multiples)
  • 24 hour emergency assistance
  • Policies from just 27*
  • 1.6M travellers covered per year

Complications of pregnancy and childbirth which we cover are limited to:

  • Toxaemia (toxins in the blood)
  • Gestational diabetes (diabetes arising as a result of pregnancy)
  • Gestational hypertension (high blood pressure arising as a result of pregnancy)
  • Pre-eclampsia (where you develop high blood pressure, carry abnormal fluid and have protein in your urine during the second half of pregnancy)
  • Ectopic pregnancy (a pregnancy that develops outside of the uterus)
  • Molar pregnancy or hydatidiform mole (a pregnancy in which a tumour develops from the placental tissue)
  • Post-partum haemorrhage (excessive bleeding following childbirth)
  • Retained placenta membrane (part or all of the placenta is left behind in the uterus after delivery)
  • Placental abruption (part or all of the placenta separates from the wall of the uterus)
  • Hyperemesis gravidarum (excessive vomiting as a result of pregnancy)
  • Placenta praevia (when the placenta is in the lower part of the uterus and covers part or all of the cervix)
  • Stillbirth
  • Miscarriage
  • Emergency caesarean section
  • A termination needed for medical reasons
  • Premature birth more than 8 weeks (or 16 weeks if you know you are having more than one baby) before the expected delivery date

Pregnancy Cover Exclusions

Coverage for Babies: Unfortunately, our policies do not offer any cover for any children who are born overseas. We are unable to offer any cover for the baby even if you pay an additional premium in order to be covered.

Overseas Doctor’s Visits: Unfortunately we don't cover standard pregnancy related doctor appointments, even if you become pregnant overseas.

Pregnancy & Childbirth Claims: You will not be covered for any claim that comes from pregnancy or childbirth, unless a qualified medical practitioner confirms that the claim comes from complications of pregnancy and childbirth.

Overseas Medical Treatment: Our policies offer unlimited hospital, medical and surgical expenses. For pregnancy, please note that we only cover the complications of pregnancy and childbirth only. Accepted limited complications are explicitly listed in your PDS. 

Pregnancy Cover Within Australia: Our domestic policies do not cover any medical expenses incurred within Australia. This includes medical costs related to pregnancy. However, if you have purchased a policy that includes cancellation cover, you will be covered for cancellation due to a complication of pregnancy.

Cancelling Holiday Due To Zika Virus: As the Zika virus is now a known event, if you decide to cancel your trip as a result of this, you will not be covered.

Most Common Questions

1. Is my baby covered?

Unfortunately, our policies do not offer any cover for any children whom are born overseas. We do however cover your expenses for premature birth more than 8 weeks (or 16 weeks if you know you are having more than one baby) before the expected delivery date. We are unable to offer any cover for the baby even if you pay an additional premium in order to be covered.

3. I'll miss my doctor's appointment here, am I covered for the same one overseas?

Unfortunately we don't cover standard pregnancy related doctor appointments, even if you become pregnant overseas.

5. I'm going to hit the 32 weeks mark half-way through our trip, will I be covered?

We cover the expenses of premature birth for 32 weeks (single babies) and 24 weeks (multiple babies). We also cover certain pregnancy-related complications (listed in our product disclosure statement) for up to 40 weeks.

2. Do you need to declare your pregnancy before buying travel insurance?

No, you don’t need to declare as pregnancy is not determined to be a pre-existing condition. However, for a comprehensive list of what is and is not covered please refer to the Policy Wording Documents.

4. Do you cover for cancellation of your trip due to pregnancy?

Yes we cover cancellation, If you become pregnant after we have sold you this policy, and you will be more than 32 weeks pregnant (or 26 weeks if you are expecting more than one baby) at the start of, or during, your trip. Or, your doctor advises that you are not fit to travel because you are suffering from complications of pregnancy and childbirth. For further information, and a full list of what is considered a complication of pregnancy please go through the Policy Wording Documents.

6. Do you cover childbirth?

We automatically cover you for unlimited medical, hospital and surgical costs for premature childbirth up to 32 weeks (for one baby only) and up to the 26 weeks for multiple child pregnancy. However, be advised that this policy does not cover costs associated with childbirth after this period nor do we cover the costs of a child born whilst you are overseas.

Checklist for Pregnancy Travel

Airlines: Note that flying will not affect your pregnancy or unborn baby. There are however restrictions which airlines impose in regards to your eligibility to fly. How far along your pregnancy is will determine if you can fly or whether the length of flight will be limited to a certain duration.

Note that many airlines will require you to carry a medical certificate or letter from a registered medical practitioner/ registered midwife after 28 weeks. This must be available on request so you need to keep it on you in the airport and in your carry-on luggage. This will confirm things like:

  • Estimated due date
  • Single or multiple pregnancy
  • Routine pregnancy or pregnancy with complications

Doctor: Whether you are planning a trip or already have one booked, it is advised you book a doctor’s appointment for a check-up and to discuss your travel plans. Your doctor will provide you with valuable information in regards to what to avoid and how to travel safely during your pregnancy.

It is advised you only take doctor prescribed medications from a doctor that knows about your pregnancy. Do not take things like sea sickness pills or travel sickness medications without discussing with your doctor first.

Selecting a Destination: It is a good idea to choose a holiday destination which will have quick and easy access to hospitals or medical facilities. It is recommended you avoid destinations where immunisation or vaccination is required. Some vaccines may not be safe for your pregnancy. If you must travel to a destination where a vaccine is needed, you should discuss your options with your doctor.

Also keep in mind your own personal comfort when choosing a destination and activities. You don’t want to subject yourself to any discomfort nor take dangerous risks when it comes to your health.

Packing List: A little extra planning and attention is needed for travel during a pregnancy. Follow this helpful packing list to start you off in the right direction.

  • Choose a lightweight rolling suitcase and don’t overpack
  • Nausea and Headache Medication
  • Comfortable clothing and shoes
  • Compression Socks
  • Doctor approved medications
  • Doctor approved pregnancy vitamins
  • Medical Certificate or letter disclosing your pregnancy details
  • Make sure you have secured your InsureandGo Pregnancy Travel Insurance
  • A camera to capture your beautiful pregnancy glow during your travels

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* Price derived from a single trip of 5 days, Individual, age 30, to New Zealand, Pacific & Bali region. Cover for pre-existing medical may require an extra premium.