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Travel Insurance and Pregnancy: What to Know

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There’s a lot to think about when you’re pregnant — especially if you plan to travel. You’ll want to make sure your health care and your trip costs are covered if something goes wrong.

And while travel insurance for pregnancy may sound like a must-have, remember that not all plans will cover your specific needs. At the moment, there isn't a specific insurance option for those who are pregnant. Rather, pregnant people will need to consider travel insurance that includes coverage for trip cancellation and interruption, as well as emergency medical and evacuation costs.

Your decision to buy travel insurance while pregnant will depend on how much of your trip is nonrefundable, where you’re going and what coverages you already have. These coverages may include trip interruption insurance from your credit card issuer or emergency medical coverage from your current health insurer.

Here’s what you need to know to choose the best travel insurance for pregnancy.

Trip cancellation or interruption due to pregnancy

Most travel insurance policies will reimburse you for all or a portion of your nonrefundable travel costs if you have to cancel your trip for a covered reason. But for pregnant people, covered reasons are a little more complicated.

For most policies, normal pregnancy is not a valid reason to cancel your trip if you already knew you were pregnant when you purchased the insurance. But pregnancy may be a valid reason to cancel if you learn you're pregnant after you’ve booked your trip and paid for an insurance policy.

For example, if you prepay for a trip a year in advance, purchase Allianz travel insurance, and a few months later find out you’re pregnant and need to cancel your trip, the company will likely reimburse you for all or a portion of your lost travel costs. But you’ll have to prove that you learned about your pregnancy after you purchased the policy.

On the other hand, if you knew you were pregnant when you purchased the policy, you will likely not get reimbursed if you canceled your flight due to morning sickness, for example.

» Learn more: Can you fly while pregnant? It depends.

Trip cancellation or interruption due to complications of pregnancy

If you have complications during your pregnancy, travel insurance may cover your trip costs regardless of when you learned you were pregnant.

Keep in mind that only specific complications — like gestational diabetes, preeclampsia, hyperemesis gravidarum or miscarriage — are eligible, and a doctor must advise you not to travel due to your diagnosed condition.

» Learn more: What to know about Cancel For Any Reason (CFAR) travel insurance

Medical coverage for pregnant travelers

If you’re traveling domestically, your regular health insurance may be all the coverage you need. Check with your provider. If you’re going abroad, there’s a good chance your health insurance will not reimburse you for medical expenses while traveling. So for pregnant people traveling internationally, travel medical insurance is probably a good idea.

Secondary travel health insurance can be surprisingly affordable. Secondary plans kick in after you’ve used any applicable primary insurance coverage from your current health insurer.

Searching InsureMyTrip.com, we found secondary international medical insurance plans starting at $14 for a 30-year-old California resident traveling to France for 12 days in September. For this price, you receive coverage up to $50,000.

Want higher coverage limits? They’re available. For the same 30-year-old California-based traveler headed to France, GeoBlue 's Voyager Essential plan offers $1 million in travel medical coverage with a $0 deductible for $27 — again, that’s for the whole trip, not per day. This plan is not secondary coverage, meaning you can buy it even if you don’t have a primary health insurer.

» Learn more: Can I get travel insurance for pre-existing medical conditions?

Emergency medical evacuation due to pregnancy

If you’re traveling to large city, a health care facility is likely a short drive away. But if you’re traveling someplace remote, emergency transportation coverage , like a helicopter, can be a literal lifesaver. Covering this service with an insurance plan can save you a bundle.

Some credit cards give you automatic emergency medical evacuation when you use the card to book your trip, like the Chase Sapphire Reserve® . But if you didn’t use a credit card with emergency evacuation coverage or need higher limits, you may want to buy travel insurance. Most comprehensive plans include emergency medical evacuation insurance, but make sure it’s covered before you purchase your plan.

» Learn more: The best credit cards for travel insurance benefits

Where to buy insurance for traveling while pregnant

Different travel insurance companies have a variety of plans with varying coverage.

A policy from Travel Guard that was perfect for your nonpregnant friend when she traveled to Machu Picchu may not be as good as a policy from Travelex or Nationwide if you’re pregnant and cruising through Europe. Comparison shop and carefully note what’s covered and the deductible limits before you buy.

» Learn more: The best travel insurance companies

Travel insurance while pregnant recapped

You may not need travel insurance for pregnancy, especially if you’re traveling domestically and your trip is fully refundable — but don’t assume that’s always the case.

Read up on your existing coverage from your health plan and any insurance offered by your credit card . Then you can explore a little more of the world before baby arrives, knowing you’re covered for any scenario.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Wells Fargo Autograph℠ Card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

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Pregnancy travel insurance - here's what to know before you book

--> BY Jessica Humphries

Last updated . 20 December 2023

Relish the excitement of your travel plans with your blossoming baby bump by securing the right cover.

Enjoying a journey with a little one on the way? The thrill of travel is irresistible, but let’s face it – the logistics can pile up faster than you can say ‘jetlag’, and Mama – you’ve got enough on your plate. If your adventurous side still calls, despite having a baby on board, navigating the realm of travel insurance  becomes a whole new adventure. Fear not, we’ve got everything you need to know about travel insurance when you’re pregnant right here.

Key things to consider before buying coverage

When you’re planning your trip with a baby on board, there are some things you’ll need to consider straight-up.

How far along are you?

We know you’ve heard the question a million times, but here’s where it really counts. When it comes to pregnancy and travel insurance, most insurers graciously cover single, uncomplicated pregnancies following natural conception. However, there’s a catch – the coverage window varies.

The best time to travel is within your second trimester.

Some providers extend their umbrella up to 30 weeks, while others gently fold it at 23 to 26 weeks pregnant. Most importantly, remember – the stork won’t deliver coverage for birth-related costs or newborn expenses. So, if you can, keep your window wide and travel within the sweet spot (more on that later).

Is pregnancy considered a ‘pre-existing medical condition’?

Thankfully, pregnancy isn’t generally considered a pre-existing medical condition  when you’re obtaining travel insurance. If you’re under 26 weeks (at the time of travel) with just one bub on board, you may not need to declare it at all. However, honesty is key, especially if you’re dealing with a more complex pregnancy. Disclose the details to your insurer to make sure you’re covered.

Be prepared with pregnancy travel insurance for your safety.

What to look for in a pregnancy travel insurance policy

It’s time to dig into the details. Here’s what you’ll need to keep an eye out for in your travel insurance to make sure you and your bump have a smooth ride.

Travelling while pregnant can be a fulfilling experience. (Image: Josh Bean)

The benefits buffet

Navigating pregnancy with travel insurance is like entering an extensive buffet – enticing, filled with numerous options, and just a tad overwhelming. Yet, the crucial factor lies in the details. Delve into the fine print to ensure you grasp the details of the nitty gritty.

Tick off the benefits of your pregnancy coverage.

If you identify any gaps, ask your insurer about tailored policy add-ons for a personalised experience. Alternatively, explore other options that cater specifically to your unique pregnancy needs.

• Make sure your policy covers (on top of standard travel insurance staples):
• Unforeseen pregnancy challenges.
• Emergency medical coverage abroad: including expenses for unexpected illnesses, complications, or severe injuries related to your pregnancy.
• Trip cancellation protection.
• Around-the-clock travel assistance.

Make sure that your policy covers unexpected pregnancy challenges.

Cancellation considerations

If there’s ever a time when last-minute travel plans can swiftly change, it’s during pregnancy. Your pregnancy might even be a time when you consider locking in your coverage before finalising your booking. Locking in coverage ensures that in the event of unexpected pregnancy complications leading to a trip cancellation, you’re covered – no strings attached.

Consider last-minute travel changes especially when you’re travelling with a child.

Find out what’s excluded

Navigate the exclusion territory carefully. Be aware that certain conditions, like conception through IVF, expecting multiples, or planning travel after the approved gestational weeks, may lead to limited or no coverage.

Common exclusions:

• Conception through assisted reproduction (IVF).
• Seeking reimbursement for childbirth or newborn healthcare expenses if you give birth on your trip.
• Travelling against medical advice from your doctor.
• Expecting twins (or more!).
• Planning travel beyond the approved weeks according to your provider.
• Dealing with pregnancy complications (previous miscarriages or premature labour, gestational diabetes etc.) – disclose them to avoid issues.
• Routine pregnancy check-ups abroad.

Remember, some exclusions can be lifted with premium payments or a medical assessment.

Trimester travel tactics: A travel roadmap for every stage

When planning your travels, take your pregnancy stage into account for a seamlessly enjoyable journey tailored to each trimester.

First-trimester trail

The first 12 weeks are the opening act of your pregnancy journey. While generally safe for travel, be aware that morning sickness might steal the show. Consider scheduling your adventures post-week 12 to dodge any queasy interludes.

You may experience morning sickness during your first trimester.

Second-trimester bliss

The perfect time for a babymoon, your second trimester offers you a golden ticket to travel bliss, sans complications. Chat to your doctor, pack your bags, and make the most of this worry-free window.

Always check with your doctor for any pregnancy reminders before travelling. (Image: Lucas Favre)

Third-trimester reality check

Some airlines may give side-eye glances if you’re deep into the third trimester, and many travel insurance providers will cap their coverage around the 26-week mark. If leisure is the plan, think twice before boarding that flight.

It’s best to travel with a companion.

As you embark on this exciting journey with a baby on board, remember that a well-informed approach to travel insurance during pregnancy is your ticket to peace of mind. From navigating coverage windows to crafting your personalised pregnancy passport and considering trimester-specific tactics, your wanderlust need not be put on hold. Embrace the adventure, plan wisely, and savour every moment of this unique chapter in your globetrotting story. Safe travels, mama!

Travelling during pregnancy can be your first milestone as a family.

For more tips and advice, read our travel insurance hub  to help you navigate the ins and outs of what to do before you head overseas.

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Tick Travel Insurance

Our verdict: competitive policies on offer, whether you’re 19 or 99 but you’ll want to read the policy wording carefully to make sure you’re covered for everything you might need..

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Check out this tick deal, summary of tick's top policy, tick travel insurance: covid-19, what policies do tick offer, here's a breakdown of tick travel insurance features, standard features, optional add-on, how to make a tick claim, here's the bottom line about tick travel insurance, frequently asked questions.

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• Tick is one of the handful of travel insurance providers that offer specific cover for COVID-19 expenses.
• The budget option still includes some hefty benefits, including $2,000 worth of cover for baggage and $1,000,000 for personal liability.
• There is currently no cover for cruise travel or those looking for an annual policy to cover multiple trips.

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Table updated June 2024

Tick Travel Insurance is one of a few providers that offer some Covid-19 cover for both overseas and domestic trips. These are some of the key benefits found in Tick's Standard and Top policies:

• Overseas medical expenses including emergency hospital, surgical, ambulance and repatriation costs
• Cancellation or trip disruption if the amendment of your trip is necessary and unavoidable as a result of being diagnosed with COVID-19 after you purchase the policy
• Additional travel and accommodation costs including quarantine, excursions and activities
• Additional travel expenses that are incurred after departure, where you need to catch up to your original schedule

What do Australians think of Tick Travel Insurance travel insurance?

• 4.45/5 overall for Customer Satisfaction — higher than the average of 4.26
• 4.64/5 for Trust — higher than the average of 4.57
• 4.41/5 for Customer Service — higher than the average of 4.2

Based on Tick Travel Insurance travel insurance scores in Finder's 2024 Customer Satisfaction Awards .

Choose from four tiers of policies based on how much cover you think you'll need on holiday: Basic, Budget, Standard or Top. Here are some of the main insured events a Tick travel insurance policy can cover you for:

The insurance is issued and underwritten by Mitsui Sumitomo Insurance Company, Limited and comes with a cooling-off period and a $200 standard excess.

The cooling-off period is 14 days and allows you to cancel your policy within this period for a full refund if you decide it is no longer suitable. The excess is the amount you're required to pay when you make a claim. With Tick travel insurance, you can choose to remove the excess and pay an additional premium or double it to reduce your premium.

"I normally get my travel insurance through my credit card, but Bali insisted that visitors have additional COVID cover in 2022 when they opened borders. As a result, I got cover for my wife and myself for $93 through Tick for the week that we were there. We didn't need to claim, but it was the cheapest option that provided COVID cover."

Tick Travel Insurance policies have a lot of benefits that can cover you for a wide variety of travel-related mishaps. Here are some of the key policy benefits to help you decide if Tick is the right provider for you:

• Accidental death and permanent disability
• Additional emergency expenses
• Canceling your trip before departure
• Delayed baggage
• Loss of income
• Overseas medical expenses
• Passport and travel documents
• Personal belongings and baggage
• Personal liability
• Rental car excess waiver
• Travel delay expenses

With Tick Travel Insurance, you can tailor your policy with add-ons based on what you'll be doing on your holiday. Make sure to review the product disclosure statement (PDS) in full, so you know exactly what you'll be covered for.

• Additional specified items cover. You can take out up to $4,000 of cover for a single valuable item or up to $6,000 of cover for combined items.
• Natural disaster cover. This add-on may cover you for cancelling your trip before departure, having to cut your trip short and additional emergency expenses in the event of a natural disaster. Benefits vary between the different levels of cover. If you want cover for all, though, opt for the Standard or Top cover.
• Winter sports cover. This option provides up to $1,250 of cover when your winter sports equipment is lost, stolen or damaged. Cover is also included for winter sports equipment hire, lift passes, ski packs, piste closure and avalanches.

​​As with any travel insurance brand, there are certain occasions when your claim may not be paid . Some of Tick Travel Insurance's general exclusions include:

• Travel to Afghanistan, Antarctica, Chad, Crimea, Democratic Republic of Congo, East Timor, Haiti, Iran, Iraq, Lebanon, Liberia, North Korea, Pakistan, Russia, Somalia, Sudan, Syria, Uganda, Venezuela, Yemen and Zimbabwe or through an area designated as "Do Not Travel" by SmartTraveller.gov.au
• Travel on a commercial cruise for longer than 2 hours
• Travellers under the age of 16 years unsupervised by an adult during the trip
• If you are or will be more than 30 weeks pregnant
• Travel against the advice of a medical practitioner, if you know you'll need medical treatment during your trip or if you're travelling to get medical treatment
• Travel for the purpose of humanitarian or missionary work, manual labour or working with animals
• Suicide, attempted suicide, self harm, self-injury or you deliberately putting yourself in danger
• The use of a two- or three-wheeled motor vehicle unless you are wearing a crash helmet (this is irrespective of the law in the country you are in)

Make sure you review Tick's PDS for full details of what is and isn't covered.

• Head to https://quote.tickinsurance.com.au/policylogin.aspx
• Enter your policy number, surname and date of birth to log in
• Complete your claim details by answering all sections
• Upload any documents relevant to your claim
• Submit and your claim should be evaluated within 10 business days

Tick serves up some important benefits such as unlimited overseas medical cover and up to $20,000 for trip cancellation expenses. Some nice-to-have features such as loss of income cover and pet care expenses might be just what you're looking for in a travel insurance policy.

Where Tick might fall short for you, is when it comes to time to claim. Certain benefits don't kick in unless you meet very specific criteria. Travel delay expenses, for example, aren't claimable unless you've been delayed for more than 12 hours. Many other insurers will cover you after a 6-hour delay.

Purchasing a travel insurance policy does take a bit of pre-reading and with Tick travel insurance, this is even more important. Take the time to read the Product Disclosure Statement in full so you'll be confident that you're getting the right amount of cover for your trip.

If you're still not sure about Tick, you can compare other travel insurance companies here .

Is Tick Travel Insurance good?

Yes, Tick Travel Insurance can be a good option for many types of travellers. You'll find some generous benefit limits and nice-to-have extras with its top-tier policies. You'll just need to make sure you review the PDS to make sure Tick will cover you for everything you've got planned on your trip.

What is the Tick Travel Insurance phone number?

You can contact Tick's emergency assistance line on +612 9333 3963 and general enquiries can be sent to [email protected].

What is Tick's cancellation policy?

Tick Travel Insurance has a 14 day cooling off period. As long as you have not begun your trip or made any claims, you can cancel your policy during this time and receive a refund.

Cancellation after this 14 days period is still possible but will be a refund of the proportion of the premium for the outstanding period of cover less any government charges and taxes that Tick cannot recover.

Cristal Dyer

Cristal Dyer is a travel writer at Finder. She has been writing about travel for over five years and has visited over 40 countries around the world. Cristal currently travels full-time, writing about her favourite cities and food finds, and she is always on the lookout for amazing flight deals to share. See full bio

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60 Responses

I have just bought travel insurance – policy 3101356377 but need to cancel as this insurance doesn’t suit my purpose of gaining a visa. Please cancel.

We’re a review and comparison site and we’re not affiliated with any travel insurers, so you will need to contact the company you bought this policy through to discuss your situation. Best of luck!

We are going on a cruise around the greek islands in September, but I cannot find a quote for overseas now. We are in Australia

Travel insurance continues to change due to the pandemic. You could reach out to Tick directly to inquire about the current availability of their international policies.

Or to explore more options, you can review the brands on our main travel insurance page.

Regards, James

When will Tick recommence international travel insurance ( to Thailand)

Hi Christos,

As you’ll know, certain restrictions have been imposed on international travel and these are rapidly changing. That’s had a major impact on travel insurance policies.

You can reach out to Tick directly to enquire about this further.

Alternatively, compare your options on our guide to COVID travel insurance .

I hope this helps.

Best, James

I’m going on a cruise to New Zealand. I declared my pre-existing medical condition but they didn’t charge me a premium for it but I got a medical number from Tick. Is this correct?

Thanks for getting in touch with Finder. I hope all is well with you. 😃

Regarding your question, Tick Travel Insurance generally assesses pre-existing medical conditions on a case by case basis. They might have considered your condition as mild and don’t need additional premium to get covered.

If you need to confirm with them, you can also get in touch with Tick just to be sure.

I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

Have a wonderful day!

Cheers, Joshua

I have a holiday in Fiji booked for March of next year and my friend can no longer come with me. I am 70 years old and am not able to go on that holiday alone. It looks like I will have to cancel, can I get any of my money back?

Hi Patrica,

I’m sorry to hear about your need to cancel your holiday trip.

Regarding your question, if you are asking if you can cancel your Tick Travel Insurance policy, the answer is yes. However, please note that you need to cancel your policy within the 14 day cooling off period following any purchase.

However, if you are asking if you can cancel your trip and get a refund from your bookings, that would depend on your provider. Best is to get in touch with your provider in this case. Moreover, if you cancel your trip, Tick Travel Insurance policies can cover the money you will lose as a result.

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Travel During Pregnancy: What Does Travel Insurance Cover?

Some of the most common questions we get at Allianz Global Assistance are about traveling while pregnant. While most pregnant women can safely travel without incident, sometimes complications arise and customers wonder, "What does travel insurance cover?"

Here’s the quick answer: Travel insurance can cover certain situations that result from unforeseen pregnancy complications, or a pregnancy that occurs after you’ve purchased your plan. Travel insurance typically does not cover trip cancellations or other travel losses resulting from normal pregnancy.

Like any other kind of insurance, travel insurance includes specific coverage definitions and restrictions. Read your agreement carefully, and if you have any questions about coverage, call. Pregnant women should consult their doctors with concerns and questions about safe travel.

If you’re pregnant, or you might be soon, it’s wise to protect upcoming trips. Maximize your coverage window by purchasing travel protection as soon as possible. Our most popular plan is OneTrip Prime , which includes substantial benefits for trip cancellation/interruption and medical emergencies.

Read on for a detailed guide to travel insurance and pregnancy from Allianz Global Assistance.

Pregnancy Complications: What Does Travel Insurance Cover? 

You're in the first trimester of your pregnancy and feeling fine — until you begin feeling extremely nauseous a week before you're supposed to fly to New York on business. Your doctor diagnoses you with hyperemesis gravidarum, a severe and serious form of morning sickness, and you end up in the hospital on the day of your scheduled flight. Can travel insurance reimburse you for the canceled trip?

Yes. Travel insurance from Allianz Global Assistance can cover losses resulting from unforeseen pregnancy complications, such as pre-eclampsia, gestational diabetes or hyperemesis gravidarum. That means your travel insurance may reimburse you for nonrefundable trip costs lost if you must cancel or interrupt your trip because of pregnancy complications. The illness, injury, or medical condition you’re experiencing must be disabling enough to make a reasonable person cancel their trip, and a doctor must advise you to cancel it. For example, normal morning sickness would not be a covered reason for trip cancellation. When you’re filing a claim for trip cancellation/interruption related to a pregnancy complication, you’ll need documentation from your physician.

All travel insurance plans from Allianz Global Assistance include access to 24-Hour Emergency Assistance . If you experience a medical emergency while traveling, or any other problem, contact our hotline via phone or the TravelSmart TM app for rapid assistance. If your plan includes emergency medical benefits, your insurance may reimburse you for the cost of emergency medical care that you received for covered pregnancy complications while traveling.

Please note that travel insurance does not cover the chance that a complication might occur. For example, if you delivered prematurely with your first two pregnancies, your doctor might advise you to cancel the trip to Paris you planned for the sixth month of your third pregnancy. However, this is still considered a normal pregnancy because no complication has been diagnosed. Travel insurance would not cover the trip cancellation.

Surprise Pregnancy and Trip Cancellation

You and your spouse are planning a week-long European river cruise to celebrate your third anniversary. Tickets are hard to come by, so you book your trip a year in advance. You schedule the flights and purchase your travel insurance — and two months later, you discover you're pregnant. Will travel insurance cover your trip cancellation?

On some plans, Allianz Global Assistance lists pregnancy as a covered reason for trip cancellation if you find out you are pregnant after purchasing your policy. For your trip cancellation to be covered, you must provide medical records to verify the pregnancy occurred after that date. Please see your policy documents for your plan’s specific coverage. And if you’re planning a trip now, don’t wait to buy travel insurance! Get a quote today.

Late-Term Pregnancy and Trip Cancellation 

You decide to plan a babymoon getaway so you and your sweetie can enjoy some time together before the baby arrives. You book your plane tickets and a bed-and-breakfast on the beach. You're feeling fine and getting excited. Then your doctor advises you, as a precaution, not to travel in the eighth month of pregnancy. Will travel insurance cover this pregnancy-related trip cancellation?

No. In this scenario, there are no medical complications with your pregnancy, so the cancellation will not be covered. Please understand that Allianz Global Assistance is not disagreeing with your doctor's recommendation not to travel — you should do what's best for you and your baby's health. However, most travel insurance plans from Allianz Global Assistance do not include normal pregnancy as a covered reason for trip cancellation (except as described above.)

Airline Rules for Flying While Pregnant

You're flying to Los Angeles to see your sister one last time before the baby's born. But when you get to the gate, the airline won't let you on board because you're too close to your due date. Will your travel insurance plan reimburse you for the missed flight?

No. Being refused service by a carrier because of normal pregnancy is not a covered reason for trip cancellation. Cruise ships and airlines have very specific rules about travel while pregnant. Here are selected airline pregnancy policies, but you should also call your travel supplier to check before you book your trip. Please note that this information is subject to change.

• American Airlines: A medical certificate is required to fly within four weeks of your delivery date in a normal, uncomplicated pregnancy. Travel is not permitted within seven days of your due date on domestic flights under five hours, or within four weeks of your due date on international flights, unless you get a medical certificate and clearance from a Special Assistance Coordinator. 1
• Delta: Delta does not impose restrictions on flying for pregnant women. However, ticket change fees and penalties cannot be waived for pregnancy. 2
• JetBlue: Pregnant passengers expecting to deliver within seven days are prohibited from travel, unless they provide a doctor's certificate dated no more than 72 hours prior to departure stating that the passenger is physically fit for air travel and that the estimated date of delivery is after the date of the last flight. 3
• Southwest: Southwest has no pregnancy prohibitions, but recommends against air travel beginning at the 38th week of pregnancy. 4
• United: To fly in or after your 36 th week of pregnancy, you must provide the original and two copies of an obstetrician’s certificate, dated within three days (72 hours) prior to your flight departure, that says you’re fit to fly. 5

Travel Insurance and Childbirth

You're enjoying your babymoon vacation in Cozumel when suddenly you feel the first twinge of labor. Twelve hours later, you're the proud mother of a baby girl. Will travel insurance cover the cost of labor and delivery?

No. Normal childbirth is not covered by travel insurance from Allianz Global Assistance. However, if complications arise in delivery, the costs of emergency medical care may be covered. Also, attending the childbirth of a family member can be a covered reason for trip cancellation, depending on your plan.

While travel insurance from Allianz Global Assistance can't cover every possible pregnancy scenario, we want to do our best to help! Our Assistance team is available 24 hours a day to provide expert advice and aid.

Related Articles

• Traveling While Pregnant: Key Considerations
• The Essential Packing Checklist for Flying With An Infant
• Great Babymoon Destinations in the US
• JetBlue.com
• Southwest.com

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Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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Single trip travel insurance

At Tick Travel Insurance, we love to travel as much as you do. Our Single Trip policies^ offer comprehensive travel insurance with 4 levels of cover for you to choose from.

Tick Travel Insurance Policies^ cover single travellers, couples or families travelling to over 100 countries worldwide.

Our Single Trip policies^ offer cover for 90 sports and activities, FREE cover for kids and 24 hours emergency assistance. Check below for more benefits:

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Please Note - If you are cruising around Australia you need to select Pacific. With Regions, variances can apply for Bali, Indonesia, Japan and Middle East. You are not required to enter stop-over countries if your stop-over is less than 48 hours.

If you don’t know where you’re traveling to within the next 12 months, choose Worldwide to ensure you’re covered no matter where you go. If you’re travelling to multiple countries choose the region that you are visiting that is furthest away (excluding stopovers less than 48 hours). In most cases you will be covered for the closer regions as well. For example, if you choose Europe, you will also be covered in the Middle East, Asia and Pacific.

Worldwide means anywhere in the world

Americas means USA, Canada, South America, Latin America, Hawaii and the Caribbean

Europe means all European countries, including UK

Middle East refers to the area from Syria to Yemen; Egypt to Iran

Asia generally means Asia and the Indian subcontinent. For some insurers this excludes Japan*

Pacific means the South West Pacific, Australia and Indonesia/Bali*. Select Pacific for domestic cruises in New Zealand waters

New Zealand means domestic travel within New Zealand only

*Note: Variances apply for Bali, Indonesia, Japan and Middle East. Check that your destination is covered once directed to your chosen insurer’s site.

pregnancy Travel Insurance Guide

Most of us know the importance of purchasing travel insurance and the peace of mind it brings. So when it comes to  travelling during pregnancy , whether you’re jetsetting to an island resort to put your feet up or heading to a comforting family home abroad, it’s important to get travel insurance that covers you and your unborn baby. The good news is, several Kiwi companies will cover you for travelling when pregnant, and we've done the research to tell you who!

Typical Pregnancy Cover In New Zealand

So who covers what.

Click the 'plus sign' for more detail on the terms of cover for each insurer.

General Advice Warning: The contents of this article were accurate at the time of writing. Insurers change their policies from time to time, so some information may have changed. You should always read the Product Disclosure Statement of your chosen insurer to understand what is covered and what isn't. The information provided is of a general nature only and does not take into account any personal objectives, financial situation or needs. Before making a decision you should consider the appropriateness of the information having regard to your personal circumstances. 

Pregnancy Exclusions

It’s important to remember that exclusions apply to most policies. For example even if you’ve found an insurer that covers your specific circumstances, you probably wouldn't have cover:

• if you travelled against doctors advice
• for complications that exist with the pregnancy
• if your trip extends beyond the maximum weeks of pregnancy permitted (expectant mothers can still buy a standard policy after the maximum gestation limit; however they won't be covered for anything related to the pregnancy)
• if the pregnancy resulted from assisted reproductive programmes (but this is covered in some cases)
• for childbirth or the health care of a newborn child
• Some of these exclusions can be removed by paying an additional premium or completing a medical assessment form

What Are Pregnancy Complications?

A complication is known as a secondary diagnosis occuring prior to, during the course of, concurrent with, or as a result of pregnancy, which may adversely affect the pregnancy outcome. E.g:

• Toxaemia (toxins in the blood)
• Gestational diabetes (diabetes arising as a result of pregnancy)
• Pre-eclampsia
• Hyperemesis gravidarum (excessive vomiting as a result of pregnancy)
• Placenta praevia (when the placenta is in the lower part of the uterus and covers part or all of the cervix)
• and more...

5 Tips For Travelling While Pregnant

While travelling when pregnant is considered safe during your first and second trimesters, it’s still a good idea to do some fact checking and seek medical advice before you go. Here’s some things to consider:

Destination:  A remote island might be the ultimate luxury but it might not be the best location for your pre-babymoon. Consider locations with good road access, transport networks and access to medical facilities.

Adventure:  Your pre-baby getaway is the perfect time to relax and unwind rather than seeing the sites and inundating yourself in adventurous activities. Mums-to-be should be cautious about scuba diving, amusement park rides, anything that might rise your temperature too. Speak to your doctor about recommended activities before you book anything up.

Local food and drink:  A pad Thai from a street vendor might be exactly what you’re craving, but can you guarantee its freshness? Be cautious about food you suspect may not have been kept refrigerated, and remember you can’t always drink the water straight from the tap.

Vaccinations and medication:  Are you suffering from heart burn or morning sickness? Make sure you’ve got your essential medicines and vitamins packed in your case, rather than relying on local pharmacies. Plan any vaccinations well in advance and make sure they’re suitable for you and your bump as they’re not always recommended for pregnant women. 

What happens to you when you fly:  Swelling and dehydration on a plane is common - especially for those that are expecting. Sitting on a plane for 8 hours and lack of movement can also mean there’s a higher risk of deep vein thrombosis. Make sure you keep moving every couple of hours (at least), drink heaps of water, wear comfy clothes (with room to grow), and wear DVT flight socks! Remember if you’re over 28 weeks you need a letter from your doctor saying you’re fit to fly.

Time To Jetset

Having the right travel insurance for your holiday is always important, especially when you’re pregnant. Expecting a child makes you more vulnerable than the average traveller to potential risk. On the off-chance you do need to cancel your trip and hurry home or require medical care, travel insurance will have you covered. Travelling while pregnant can be nerve racking. Having the right cover will allow you to put your feet up and enjoy your time away before the sleepless nights come.

Remember that benefits and exclusions vary greatly from insurer to insurer, so it's vital to make sure you real the small print before you head off on your hols. 

Disclaimer: This information is provided as a general guide only and the fine print of the PDS should be read to determine whether the provider or policy is best for your circumstances.

Start comparing now to find the best policy for you and your bump!

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Need some help? Use the search box below to find answers to all those tricky questions. We’ve got heaps of travel insurance tips to help you get the best policy for your upcoming holiday!

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Our comparison is a free service that makes it easy for users to compare multiple quotes, saving both time and money. Our comparison ranks quotes according to price and is limited to those insurers that have agreed to participate on the site. CoverDirect NZ Limited does not hold a financial services licence. The comparison does not take your personal circumstances into account; as such, all information provided should be considered general and should not be considered as advice or a recommendation. Whilst we take all reasonable care when preparing this information, we do not warrant its accuracy. Pricing information is supplied by the insurance providers and ALL policy details should be verified with the before you purchase. This site links users to the website of the insurance provider to verify quotes and access the relevant PDS to understand what is, and is not, covered by a policy prior to purchase. We do not issue insurance. Users purchase directly from the travel insurance provider.

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Which travel insurers cover you for cruises?

Cruises are officially back on the cards and people are queuing up to get on board. here's how to make sure you're covered..

Fact-checked

Checked for accuracy by our qualified fact-checkers and verifiers. Find out more about fact-checking at CHOICE .

Need to know

• Most travel insurers cover cruises but there are some exclusions and fine print to be aware of
• For example, you won't be able to claim for events that occur because you've had too much to drink
• You need to make sure you declare your pre-existing medical conditions

With the restrictions on cruises finally lifted post-pandemic, the industry has bounced back in a big way this year and is more popular than ever.

But some people lost thousands of dollars on cancelled cruises during the COVID-19 travel bans and some cruise lines might not even let you on board without travel insurance.

So if you're planning a cruise, read on to discover how to choose the travel insurance policy that's best for you.

On this page:

Travel insurance for overseas cruises

Which travel insurers cover international cruises, what cruise travel insurance won't cover, do i need insurance for australian cruises, when to buy travel insurance for a cruise.

Most travel insurers cover international cruises that start and end in Australia, usually as an optional extra (we haven't looked at cover for cruises that start and/or end overseas). 

Some providers also offer tailored cruise travel insurance, which can give you access to additional inclusions that are unique to cruising and that may not be covered in standard policies, such as cover for missed ports, missed departures, or cabin confinement due to illness.

When choosing a policy, it's important to make sure the region you're visiting is covered and that it suits your needs and itinerary.

Check the policy age limit, as some policies cover you up to the age of 100 but others only cover you up to 69. 

It's also worth noting that if you want cancellation coverage in case a relative in Australia becomes ill or dies, the relative will also need to meet the age limit on the policy and satisfy the existing medical condition requirements.

Australian authorities no longer require people to prove they've had a COVID-19 vaccination in order to board, but it may be required for some destinations such as New Caledonia, and cruise ships are still a higher risk setting for diseases like gastroenteritis and respiratory infections, including influenza (flu) and COVID-19. So check if you have medical and cancellation cover for COVID-19 and other illnesses.

Existing medical conditions and pregnancy

As with other types of travel insurance, some pre-existing medical conditions may not be covered, and others will need to be disclosed in order to be covered. If in doubt, contact the insurer to discuss your needs.

It's also worth noting that pregnancy is considered an existing medical condition. Some insurance policies cover pregnancy up to 30 weeks, but most cruise lines won't allow you on board if you're more than 24 weeks pregnant.

Travel insurance and alcohol

Some people liken cruises to a floating RSL club, but the combination of alcohol and a seagoing vessel can cause accidents. 

In an Australian Financial Complaints Authority (AFCA) case, Phil* fell down a flight of stairs on a cruise ship and suffered a moderate brain injury, skull fracture and right lung contusion.

All travel insurers have a clause that excludes cover for claims resulting from a person being under the influence of alcohol

Phil said the area was not well lit and the steps would have been slippery, while his wife said he was walking steadily. He was taken to a hospital in Austria and a test showed that he had a blood alcohol content (BAC) of 0.198%.

The insurer had an exclusion for "any conduct engaged in whilst under the influence or effect of alcohol or drugs", and AFCA sided with the insurer, determining that Phil's claim for expenses should be denied.

All travel insurers have a similar clause that excludes cover for claims resulting from a person being under the influence of alcohol.

* Not their real name. Policyholder names are not disclosed in AFCA case records.

Even if you book a cruise that won't be leaving Australian waters, you may still need travel insurance as shipboard medical expenses might not be covered by Medicare. Check that your travel insurance does cover medical costs – you may need international or cruise-specific insurance. Domestic travel or health insurance won't cut it.

Doctors working on cruise ships don't need Medicare provider numbers, so check with your cruise line if they have a Medicare doctor on board. If they don't, and they treat you, you can't claim on Medicare or your private health insurance, even though you never left Australia. 

Domestic travel insurance doesn't cover medical costs, so you'd need either international travel insurance (check that it covers domestic cruises) or special 'domestic cruise' insurance, which is available from a few select insurers.

Cruises are often booked well ahead of time, so you could be forgiven for forgetting or delaying the purchase of your travel insurance. But if your cruise is cancelled ahead of time and you don't yet have cover, you could lose your money. The earlier you buy the policy, the better.

On the flip side, there aren't many insurers that cover you more than a year out from starting your trip. If you book your trip more than a year out, shop around for a policy that will cover you.

Stock images:  Getty, unless otherwise stated.

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