Am I covered by travel insurance if I'm pregnant?

For information relating to policies purchased prior to 8 November 2022, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For policies purchased from 8 November 2022, please see below.

Congrats! While it’s exciting to welcome a new nomad into this glorious world, it’s important to understand what's available with your travel insurance cover when you're pregnant.

How does pregnancy affect my cover?

Our plans offer cover if you experience ‘complications of pregnancy’ (as defined in the policy wording) resulting in:

  • you or your unborn child experiencing a sudden illness or injury;
  • your child being born prematurely (i.e. before the 37th week of pregnancy) during your trip.
In these events our plans offer cover for:
  • emergency medical assistance;
  • emergency medical expenses abroad;
  • evacuation and repatriation if medically necessary;
  • pre-trip cancellation;
  • trip curtailment.

You should note that claims involving multiple births are considered to be one event.

Remember that all other benefits of travel insurance remain available to you. This includes cover for personal items, baggage, travel disruption, and medical costs for other sudden illnesses or sudden injuries you may unexpectedly experience. It’s a good idea to have a general medical check-up with your medical practitioner before you go, and receive their confirmation that you are fit to travel.  Talk to your doctor about ways to look after your health abroad, such as travel vaccines, food safety and any activities to avoid while pregnant.

What is the definition of a ‘complications of pregnancy’?

We define 'complications of pregnancy' as the following unforeseen pregnancy complications as certified by a medical practitioner: 

  • toxaemia;
  • gestational diabetes;
  • gestational hypertension;
  • pre-eclampsia;
  • ectopic pregnancy;
  • hydatidiform mole (molar pregnancy);
  • hyperemesis gravidarum;
  • ante partum haemorrhage;
  • placental abruption;
  • placenta praevia;
  • post-partum haemorrhage;
  • retained placenta membrane;
  • miscarriage;
  • stillbirths;
  • medically necessary emergency Caesarean sections/medically necessary termination; and
  • any premature births or threatened early labour more than four (4) weeks prior to the expected delivery date.

What’s not included

You should note that cover is not available for any costs arising from the 37th week of pregnancy for any expected event, such as:

  • the expected childbirth;
  • planned medical assistance with delivery, including a Caesarean section, a scheduled treatment or check-up, etc;
  • care of the newborn child.

Are there any policy conditions I need to know?

The policy wording outlines conditions of cover when you and other insured persons are travelling. This includes presenting your European Health Insurance Card (EHIC) to medical providers when receiving treatment within the European Economic Area (EEA) or Switzerland. 

Also, if you have private health insurance/private medical insurance at home, this may extend to cover you overseas. In a medical emergency abroad, you will need to contact your health insurer first and follow their emergency procedures. Once you are able to contact us, your travel insurer, we ask that you let us know of your condition and the circumstances of your injury or illness. 

This is only a summary of cover and does not include the full terms and conditions of the policy. You should read your policy wording in full so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.


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For policies purchase on or after 2 December 2018:


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