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

If you’re pregnant (or become pregnant) while traveling, your travel insurance will be affected. 

What’s covered  

  • Emergency medical care for unforeseen illnesses and injuries.
  • Pregnancy complications such as missed abortion, pre-eclampsia, and other medical and surgical conditions of similar severity.
  • Trip cancellation should your doctor declare anytime between the time that you purchased your policy to the start date of your trip that you’re not in the right state to travel.

What’s not covered  

Because pregnancy is considered a pre-existing medical condition, any non-emergency expenses caused by or related to pregnancy are not covered under the policy. This also includes traveling home if a family member is having a baby. Other items that may not be covered:

  • Routine prenatal care such as ultrasounds and blood tests.
  • Childbirth except if hospitalized.
  • Elective abortions.
  • Occasional spotting and morning sickness.
  • False labor and elective C-sections.
  • Treatment of other conditions associated with a difficult pregnancy.

This is a summary only. It does not include all terms, conditions and exclusions of the policies described. Please refer to the actual plans for complete details of coverage and exclusions.

If you have any questions, feel free to contact us. And best wishes for the new baby to come!


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