Travel Insurance for Pregnancy
Learn what is and isn't covered by travel insurance if you're pregnant.
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For information relating to policies purchased prior to 27 June 2024, 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 27 June 2024, please see below.
Pregnancy shouldn't be a reason to stop your next adventure. But with a new addition on board, travel insurance may help you look after yourself and bub-to-be if you're suddenly injured or have unexpected complications of pregnancy while travelling.
- Conditions of cover you should know
- What travel insurance will cover during pregnancy
- What we won't cover
- How to get assistance if you're sick or injured while pregnant
Conditions of cover you should know
The policy wording outlines all conditions of cover when you and other insured persons are travelling.
You must be less than 28 weeks pregnant at the time your trip is due to start (24 weeks for multiple births), and prior to departing on your trip you must have confirmation from a general practitioner or midwife that you are fit to travel.
To minimise the cost of medical treatment, travel with and present your European Health Insurance Card (EHIC) to medical providers when receiving medical treatment within the European Union.
What travel insurance will cover during pregnancy
If you are pregnant and confirmed not fit to travel, or if you will be more than 28 weeks pregnant at the start of your trip (24 weeks for multiple births), you can make a claim under Cancelling Your Trip provided you purchased a policy/booked a trip before you were aware you would not be able to travel.
If you're travelling and experience a sudden illness or injury or medical condition arising from your pregnancy, our policies offer cover for:
- Emergency medical treatment abroad
- Hospitalisation
- Ambulance transport
- Medical evacuation and repatriation
- 24/7 Emergency Medical Assistance
For residents of Denmark only
In addition to the above information, cover is also available for pregnancy or medical conditions arising from pregnancy provided that, prior to departing on your trip, you received confirmation from a medical practitioner or midwife that you were fit to travel. Cover is available for your child born prematurely (i.e., before the 37th week of pregnancy) during your trip. Claims involving multiple births are considered one event.
What we won't cover
We won’t cover a number of circumstances including, but not limited to:
- Travelling against the advice of a medical practitioner.
- Expected costs arising from the 37th week of pregnancy, for example: for the expected childbirth; planned medical assistance with delivery, including a Caesarean section; scheduled pregnancy-related treatments; care of the newborn child.
- Doing anything illegal.
- Drug or alcohol-related injuries or illnesses.
- Deliberate self-harm or wilful or reckless exposure to exceptional risk.
This is not a full list of what's covered and what's not covered. There are limits and conditions that apply, so please read your Policy Wording carefully before you buy for all the details.
How to get assistance if you're sick or injured while pregnant
Seek medical assistance if it is an emergency – your hotel, tour guide or accommodation provider may be able to help.
Our 24/7 Emergency Medical Assistance team can help you get in touch with local medical assistance and direct you to what to do next. Make sure you keep any receipts in case you need to make a claim, and keep in contact with our Emergency Medical Assistance team until you no longer require treatment or assistance.
If you are travelling in the European Union, travel with your European Health Insurance Card (EHIC) to access medically necessary, state provided healthcare.
This is only a summary of cover and does not include the full terms, conditions, limits, and exclusions of the policy. You should read your policy wording in full, so you understand what is and isn’t covered. If you are unsure about your level of travel cover, please contact us for help.
24/7 Emergency Medical Assistance
It’s essential that you get in contact with our 24/7 Emergency Medical Assistance teams as soon as possible so that you can be supported from the time you fall sick or get injured until the time you get home.
So that they can assist you quickly, please be ready with the following:
- Your policy number
- A contact number for where you are now
- The nature of your problem
- Your location
Unable to travel.
My Wife, pregnant 8 weeks and 3 days, went today to the gynecologist for a checkup following abdominal pain. The doctor diagnosed that the pregnancy was at risk and therefore she can't travel and needed complete rest.
Italian Nomad.
Travel Insurance Benefits: how we can take care of you
Trip Protection
Protect your hard earned vacation from unexpected cancellation before you leave home.
- Explorer Plan: €10,000
- Standard Plan: €4,000
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Abroad Medical Expenses
Take the pain out of medical costs while traveling abroad.
- Explorer Plan: €10,000,000
- Standard Plan: €5,000,000
Emergency Medical Insurance
- Need drugs?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transport
Expenses included in Emergency Medical limits.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Covers the loss, theft or damage of your bags, tech and gear (just not sports equipment when in use).
- Explorer Plan: €3,000
- Standard Plan: €1,500
Protect your gear
- Luggage lost?
- Passport pilfered?
- Tech trashed?
Help starts here.
- Overseas Emergency Medical & Dental Expenses
- 24 hour Emergency Medical Assistance
- Emergency Medical Transport
- Repatriation & Travel Expenses
- Trip Disruption
- Travel Delay (Explorer)
- Missed connection (Explorer)
- Baggage & Personal Items
- Passport & Travel Documents
- Personal Liability
- Personal accident
Contact our Claims Team
We're here to help if you have a question about your claim. We're available.
Contact usFor policies purchased on or after 27 June 2024
| Country of residence | Phone |
|---|---|
| Belgium | +44 (0) 333 333 9621 |
| Denmark | +44 (0) 333 333 9619 |
| Germany | +44 (0) 333 333 9618 |
| Netherlands | +44 (0) 333 333 9617 |
| Country of residence | |
|---|---|
| Belgium | worldnomads.clmsbe@collinsoninsurance.com |
| Denmark | worldnomads.clmsdk@collinsoninsurance.com |
| Germany | worldnomads.clmsde@collinsoninsurance.com |
| Netherlands | worldnomads.clmsnl@collinsoninsurance.com |
For policies purchased before 27 June 2024
| Country of residence | Phone |
|---|---|
| Belgium | +32 (0)2 808 66 32 |
| Denmark | +45 89 87 30 23 |
| Germany | +49 (0)335 5622 3012 |
| Netherlands | +31 (0)20 8080731 |
FAQ
Here are our most frequently asked questions about buying travel insurance for pregnancy. You can also find the answers to other questions in our Helpdesk or you can ask the customer service team.
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If I decide to return home during my trip, is there cover for those expenses?
No, there's no cover for change of mind.
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If I fall pregnant before my trip, can I cancel?
Pregnancy or medical conditions arising from pregnancy are covered provided you will not be more than 28 weeks pregnant by the time your trip is due to start (or 24 weeks for multiple births) and a medical practitioner or midwife confirms that you are fit to travel. If you are confirmed not fit to travel, or if you will be more than 28 weeks pregnant at the start of your trip (24 weeks for multiple births), you can make a claim under Cancelling Your Trip provided you purchased this policy/booked a trip before you were aware you would not be able to travel.
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Do your policies cover pre-existing pregnancy complications?
No, cover for pre-existing medical conditions (as defined in the policy wording) are not covered. However, If your country of residence is Denmark, cover for pregnancy is as follows: Cover is available for pregnancy or medical conditions arising from pregnancy provided that, prior to departing on your trip, you received confirmation from a medical practitioner or midwife that you were fit to travel. Cover is available for your child born prematurely (i.e., before the 37th week of pregnancy) during your trip. Claims involving multiple births are considered one event. If you are confirmed not fit to travel, you can make a claim under Cancelling Your Trip provided you purchased this policy/booked a trip before you were aware you would not be able to travel
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Do both of your policies cover pregnancy?
Both the Standard and Explorer Plans offer cover for sudden illness or injury, including when they arise from your pregnancy. Before travel, you will need to be sure your doctor or midwife has confirmed you are fit to travel for the duration of your trip in order for cover under the policy to apply. There is no cover for routine or normal costs associated with pregnancy or childbirth.