Airlines (both domestic and international) will have different regulations on when pregnant women can fly, so you’ll need to check their individual policies before booking your flights (for example, Qantas states that for flights over 4 hours, you can fly up to the end of the 36th week for single pregnancies)(Source: http://www.qantas.com.au/travel/airlines/medical-assistance/global/en)
In most cases, you won’t be covered for normal pregnancy or childbirth costs while overseas, but you will be covered for specific complications that arise from your pregnancy or birth.
These complications can include:
Gestational diabetes or hypertension
Excessive vomiting diagnosed as hyperemesis
Birth complications such as placental abruption or emergency caesareans
Miscarriages or stillbirths
Make sure you check the terms and conditions of your specific policy so that you understand what you are and aren’t covered for in relation to pregnancy and childbirth.
Will you be covered for the full term?
Most travel insurance companies will cover your pregnancy up to 26-28 weeks, while others can provide cover for up to 32 weeks. (Source: http://www.canstar.com.au/wp-content/uploads/2014/08/Travel-Insurance-2014.pdf)
There can also be other restrictions on how long you will be covered for depending on:
If your pregnancy is single or multiple (twins, triplets etc.)
Whether you conceived naturally or engaged the use of reproductive services to conceive
Whether you have a routine pregnancy or are experiencing complications
If you had any pre-existing complications or conditions before purchasing the travel insurance (in which case you need to declare this upon application as a pre-existing condition)