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 October 23 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For plans purchased after October 23 2024, please see below.
Just because you’re pregnant doesn’t mean you can’t still see the world! If you’ve already booked travel, or if you want to take a babymoon to enjoy a vacation before your bundle of joy comes along, our travel insurance* plans may help look after you should something go wrong.
You may be wondering if you can still get travel insurance if you’re pregnant … and the answer is yes. While travel insurance doesn’t cover routine maternity care, it may cover ‘complications of pregnancy’, as defined in your plan documents. It is important to know and understand the definition of this term, so you know what is (and isn’t covered). The following is directly from World Nomads plans:
Complications of Pregnancy means conditions (when the pregnancy is not terminated) whose diagnoses are distinct from pregnancy but are adversely affected by pregnancy or are caused by pregnancy. These conditions include hyperemesis gravidarum, preeclampsia, eclampsia, gestational diabetes, gestational hypertension, acute nephritis, nephrosis, cardiac decompensation, and missed abortion. Complications of pregnancy also include non-elective cesarean section, ectopic pregnancy which is terminated and spontaneous termination of pregnancy, which occurs during a period of gestation in which a viable birth is not possible.
Complications of pregnancy do not include Physician-prescribed rest during the period of pregnancy (except due to conditions noted above), false labor, occasional spotting, morning sickness, elective abortion, and similar conditions associated with the management of a difficult pregnancy, not constituting a categorically distinct complication of pregnancy.
If you develop complications of pregnancy, you may have coverage for:
If something does happen when you’re travelling, you can contact the Emergency Assistance team who can refer you to the nearest hospital and help you navigate local customs.
World Nomads plans offer coverage for many other unforeseen circumstances that can derail a trip, such as:
It’s important to be aware that any non-emergency expenses caused by or related to your pregnancy aren’t covered, such as routine prenatal care including ultrasounds and blood tests. Other pregnancy events that may not be covered include:
Our travel insurance plans don’t cover everything so make sure you read your plan document. If you decide not to travel due to your pregnancy and choose to cancel your trip, you would only be covered (up to plan limits) if you purchased the Explorer or Epic insurance plan as well as the optional cancel for any reason’ coverage, which is available at an additional cost during the time sensitive period, only. When you get a quote, you can compare the plans side-by-side and determine which one might be right for you.
If you’re unsure about anything or have questions about how pregnancy might affect your travel insurance coverage, you can contact us.
That’s up to you to discuss with your doctor but it may affect your travel insurance and whether you’re covered. Your airline might ask for a letter from your doctor confirming your expected due date and whether you’re at risk of any complications.
It is important to check your airline’s policy regarding pregnancy. If you get to the airport and your airline won’t let you fly, you may not be able to claim on your plan benefits, because the airline denying your boarding due to a violation of their company policy is not a covered event under the plan.
*All information we provided here is a brief summary. It does not include all terms, conditions, limitations, exclusions, and termination provisions of the plans described. Please carefully read your state specific plan documents for a full description of coverage. Travel insurance is included as part of your travel protection plan which contains both insurance benefits and non-insurance assistance services. Material included on this page does not represent, nor is it specific to, United States Fire Insurance Company or travel insurance benefits provided on United States Fire Insurance Company’s travel protection plans.It’s essential that you get in contact with our Emergency 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 our Emergency Assistance teams can assist you quickly, please be ready with the following:
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.
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Contact Generali Global Assistance:
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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.
Before your trip, check the latest government advice for any travel alerts for your destination.