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Travel insurance for pregnancy

Travel insurance for soon to be mums.

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For information relating to policies purchased prior to 18 May 2022, please check the Policy Document provided with your purchase. You can contact us if you need this sent to you again. For policies purchased on or from 18 May 2022 please see below.

This shouldn't need saying, but just in case, here it is: Talk to your doctor about your travel plans. Listen to what they say.

Have that conversation before you buy insurance or even book your flights.

While pregnancy is not considered an existing medical condition, there are limits and restrictions on how and when we cover pregnancy, so it's good to be informed before you start planning your trip.

What does travel insurance cover when you're pregnant?

The most important thing to know is this: If you fell pregnant before you bought your insurance or fall pregnant afterwards, cover may be available for a pregnancy related illness that occurs up to the end of the 26 week of your pregnancy. Also, you can’t have a history of any complications with any previous pregnancy.

If you meet the above criteria and suddenly something medical happens to you while you're overseas, being pregnant won't change your cover. When looking at whether you should continue travelling after your illness or injury, our 24/7 Emergency Assistance team will take the pregnancy into account.

What's not covered

Aside from a pregnancy not falling within the above guidelines, we also won't cover any childbirth, antenatal care or newborn care costs, regardless of whether we're covering the pregnancy itself. We won't cover a loss arising from pregnancy-related illness after the 26th week of gestation.

We also won't cover you if your medical practitioner told you not to travel, nor will we cover you for any routine check-ups.

If you're thinking about getting pregnant, please know that we don't cover any costs relating to fertility treatment, either. These restrictions also apply to members of your travelling party and close relatives.

This is only a summary of coverage and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your Policy Document 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.

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 Assistance team as soon as possible so that our teams can support you from the time your fall sick or get injured until the time you get home.

So that our 24/7 Emergency Assistance teams 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

Threatened miscarriage

Emma began experiencing intensely painful stomach cramps in our hotel room at the Ohana Waikiki West, Honolulu, Hawaii. No 24 hour doctors were available, so we took a taxi cab instead of ambulance, which hotel security offered to arrange to nearest hospital (Straub). Hotel security also took notes of these events. After assessment in the emergency department, the diagnosis was a threatened miscarriage (not aware of being pregnant, hospital staff estimated Emma at 7weeks pregnant at the time). Medication was given for pain relief, blood tests taken and an ultrasound performed. Emma was discharged and was requested to have another blood test on the following Monday and referral to a local Doctor for a follow-up appointment. Emma spoke to Doctor on phone about results of blood test and further information instead of visiting him as it would have been the morning we were flying back to New Zealand.
Claim paid: USD $5571.75
Kiwi Nomad in Hawaii.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Protect your trip from unexpected cancellation.

  • Explorer Plan: Unlimited
  • Standard Plan: $5,000
Trip Protection
  • Have you died?
  • Has one of your relos died?
  • Has an earthquake damaged your home?

We’ve got your back.

Emergency Medical Overseas

Take the pain out of medical costs.

  • Explorer Plan: Unlimited
  • Standard Plan: $5,000,000
Emergency Medical Insurance
  • Need medicine?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transport

We'll get you to hospital in a flash

  • Explorer Plan: Unlimited
  • Standard Plan: $500,000
Evacuation and Repatriation
  • Banged up overseas?
  • Medivac needed home?
  • You died overseas?

Help starts here.

Protect your gear

Cover your stolen or damaged gear and tech.

  • Explorer Plan: $10,000
  • Standard Plan: $2,000
Protect your gear
  • Damaged docs?
  • Passport pilfered?
  • Tech trashed?

Help starts here.

  • Overseas Medical Expenses
  • Emergency dental treatment
  • 24 hour assistance
  • Emergency medical transport & repatriation
  • Cancellation costs
  • Trip interruption costs
  • Compassionate emergency visit home
  • Resumption of trip
  • Theft or accidental damage to baggage and personal items
  • Baggage delay over 12 hours
  • Funeral expenses overseas or repatriation of remains
  • Personal liability
This is a general summary for New Zealand residents only. Restrictions, exclusions and limitations will apply. Benefit limits may vary depending on the plan chosen. Check the policy documents for full details.

24/7 emergency assistance

If you need medical assistance or emergency medical evacuation our team is available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?

From New Zealand & Overseas:
+61 2 8263 0470 or
+61 2 8292 1470
(reverse charges via an operator from anywhere in the world)

Within Australia (Free call): 1800 611 210

Travel insurance. Simple & flexible.

Travel insurance for independent travelers and intrepid families. Nobody wants to think about all the things that could go wrong on their trip, but these things can and do happen. So be prepared and get your travel insurance today.


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.