Travel Insurance for Pregnancy
Learn what is and isn't covered by travel insurance if you're pregnant.
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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 with your pregnancy while travelling.
What travel insurance will cover during pregnancy
If you're travelling and have a pregnancy complication due to an accidental bodily injury or unexpected illness on your trip, our policies may offer cover for:
- Emergency medical treatment overseas.
- Hospitalisation.
- Ambulance transfers.
- Transport to get you home for ongoing treatment (if medically required).
- 24/7 Emergency Medical Assistance
You must not have been more than 28 weeks pregnant at the start of your trip (or 24 weeks for multiple births).
You must be able to provide confirmation from a medical practitioner or midwife that you were fit to travel, in the event of a claim.
If you’re confirmed not fit to travel, or if you will be more than 28 weeks pregnant at the start of your trip (or 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.
To find out all the details on our travel insurance cover for pregnancy you can read our Help Center article for Irish travellers.
It’s also a good idea to check with the airline before you pay for your ticket to see if they have any restrictions on carrying a pregnant person.
What we won’t cover
We won’t cover a number of circumstances including, but not limited to:
- Having a pre-existing medical condition that results in complications.
- Normal costs associated with pregnancy or childbirth. This includes routine medical care such as your antenatal check-ups and scans, costs associated with giving birth, and care for a newborn baby.
- Doing anything illegal.
- Travelling against the advice of a medically qualified doctor.
- Drugs or alcohol-related injuries or illnesses.
- Deliberate self-harm or wilful 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
You’ll first need to contact your private medical insurance (PMI) provider (if applicable) and follow their emergency medical procedures and their claims procedures. Cover available under this travel insurance policy is in excess of any cover provided by your PMI. Also, provide us with details of your PMI provider to help us co-ordinate your care. Where your PMI provider does not cover you, contact our 24/7 Emergency Medical Assistance team before incurring medical costs. You must let us know how you are going and keep in contact with our assistance team until you no longer require treatment or assistance.
The policy isn’t designed to cover everything so take the time to read the terms, conditions, limitations and exclusions in the Policy Wording for full details, so there are no surprises if you need to use it. If you’re not sure if something is covered get in touch.
How to get assistance if you're sick or injured while pregnant.
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 in first trimester.
I unexpectedly became pregnant towards the end of November. I was planning on still going on the trip until my doctor diagnosed me with Hyperemesis Gravidarum. They recommend not leaving the country due to these complications in the first trimester of pregnancy.
M.McClendon. U.S Nomad.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest suitable medical facility is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Disruption
- 24-Hour Medical Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 Emergency Medical Assistance
Whether you need medical assistance or emergency medical evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of Emergency Medical Assistance right now?
For policies purchased on or after 27 June 2024:
Phone: +353 4 69 017 022
For policies purchased before 27 June 2024:
+353 (0) 90 640 6460
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?
The policy offers cover where upon the advice of a medical practitioner you are unable to go ahead with your trip, due to pregnancy.
-
Do your policies cover pre-existing pregnancy complications?
No. There’s no cover for pre-existing pregnancy complications.
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Do both of your policies cover pregnancy?
Yes, both the Standard and Explorer policies may cover pregnancy or medical conditions related to pregnancy, provided you will not be more than 28 weeks pregnant at the time your trip is due to start (or 24 weeks for multiples births) and you have confirmation from a midwife or medical practitioner that you are fit to travel. There is no cover for routine or normal costs associated with pregnancy or childbirth.
Before your trip, check the latest government advice for any travel alerts for your destination.