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

Congrats! While it’s exciting to welcome a new nomad into this glorious world, it’s important to understand how pregnancy affects your travel insurance cover.

How does pregnancy affect my cover?

There may be cover for some pregnancy complications (as defined in the policy wording), under certain conditions.
World Nomads plans class pregnancy as a pre-existing medical condition. This is a general exclusion, which means the policy doesn’t include cover for any pregnancy-related claim.
The exception is cover for pregnancy complications that arise during the pregnancy because of an accidental bodily injury or unexpected illness, but not during the period between 12 weeks before the expected due date and 12 weeks after the expected due date.
The pregnancy might be yours, your travelling companion’s or that of a close family member back home.
If you are eligible, cover will include:

  • Emergency medical assistance.

  • Overseas medical expenses.

  • Evacuation and repatriation if medically necessary.

  • Reasonable and necessary travel and accommodation expenses for a loved one to remain with you while you are in hospital, or, if necessary, to accompany your other insured children home while you recover.

  • Pre-trip cancellation, trip interruption and trip resumption.

But don’t forget that all the other benefits of travel insurance are unaffected by the pregnancy. This includes cover for personal items, baggage, travel disruption and medical costs for conditions that aren’t pregnancy-related or pre-existing.
It’s a good idea to have a general medical check-up before you go. 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’s not included

Like any pre-existing medical condition there is no cover for normal or ongoing medical expenses, or general exclusions, including:

  • Routine check-ups, childbirth or care of the new baby.

  • Any other medical conditions the pregnancy is making worse.

  • Pregnancy complications that arise from ways other than sudden illness or unexpected injury.

  • Any pregnancy-related costs within 12 weeks either side of the estimated due date.

  • If you change your mind to travel due to pregnancy.


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.

For policies purchased on or after 1 August 2019: Your policy is underwritten by XL Insurance Company SE. For policies purchased between 17 January 2019 and 31 July 2019: Your policy is underwritten by Lloyd’s Insurance Company SA. For policies purchased between 2 December 2018 and 16 January 2019: Your policy is underwritten by certain underwriters at Lloyd’s.

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We’re here to help if you have a question about travel insurance. We’re available:

  • Monday to Friday 9:00am - 5:00pm (UTC/UTC+1)

Contact us


For policies purchase on or after 2 December 2018:

+353 21 237 8006


For policies purchased before 2 December 2018:

+61 2 8256 1542


For policies purchase on or after 2 December 2018:

[email protected]


For policies purchased before 2 December 2018:

[email protected]