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 CoverHere at InsureandGo we provide emergency childbirth coverage:
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.
These benefits are a summary, so please see our PDS for full terms & conditions.
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.
Cancelling Holiday Due To Zika Virus: We aren't able to cover cancellation for an event that might occur. Additionally, 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.
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.
Unfortunately we don't cover standard pregnancy related doctor appointments, even if you become pregnant overseas.
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.
Under the InsureandGo Silver and Gold levels of cover, we will reimburse the cost of your necessary additional meals and accommodation expenses, if during a trip, any individual leg of your trip, is delayed for more than 12 hours.
The amount you can claim varies depending on the level of cover that you have purchased with us. Please refer to the policy wording documents for more information.
Our policies offer unlimited hospital, medical and surgical expenses. For pregnancy, please note that we only cover the complications of pregnancy and childbirth only. For a comprehensive list of what is covered please refer to Page 48 of our PDS.
We aren't able to cover cancellation for an event that might occur. Additionally, 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.
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:
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.
* 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.