Click here for our travel alert about Mount Lewotobi Laki-Laki, Indonesia.
Due to the current conflict in Ukraine, our policies exclude coverage for any trips to Russia, Ukraine or Belarus. Check out the latest travel alerts here before buying a policy.

Pregnancy Travel Insurance

Pregnancy Travel Insurance

Insure&Go makes it easy to obtain pregnancy travel insurance for expectant mothers who wish to travel.

Protecting yourself with travel insurance is incredibly important, especially when you are pregnant. Insure&Go offers one of the most comprehensive policies when it comes to pregnancy travel insurance, covering you if you are expecting a single child or multiple babies who were conceived naturally or via reproductive services.

What we Cover

Here at Insure&Go, we provide emergency childbirth coverage:

Up until your 30th week, for a single-child pregnancy
Up until your 20th week, for a multiple-child pregnancy

Cover for premature birth (more than 10 weeks before the expected delivery date, or 18 weeks if you know you are having more than one baby) includes the costs related to the birth and post-birth medical care; unfortunately at this stage, we don’t offer any coverage for your baby.

Any medical expenses related to specific pregnancy-related complications (listed below) are covered even after the cut-off mark for childbirth coverage.

You will also have trip cancellation and pre-paid expenses coverage for medically certified pregnancy-related cancellations (under Silver and Gold policies). This means you are covered in the event you need to cancel your trip if you become pregnant after we have sold you your policy, and you will be more than 30 weeks pregnant (or 20 weeks if you are expecting more than one baby) at the start of or during your trip. You are also covered if your doctor advises that you are not fit to travel because you are suffering from complications of pregnancy and childbirth.

Any claim that comes from pregnancy or childbirth must have confirmation from a qualified medical practitioner which states the claim is due to complications of pregnancy and childbirth. Accepted limited complications are explicitly listed in your PDS.

These benefits are a summary, so please see our PDS for full terms & conditions.

Why Travel With Us?

Trip cancellation and pre-paid expenses for medically certified pregnancy-related cancellations

Medical expenses related to specific pregnancy-related complications even after cut-off mark

Emergency delivery of baby up to 30 weeks (single) and 20 weeks (multiples)

14 day cooling-off period

24 hour emergency assistance

Complications of pregnancy and childbirth that we cover are limited to:

Toxaemia (toxins in the blood)
Gestational diabetes (diabetes arising as a result of pregnancy)
Gestational hypertension (high blood pressure arising as a result of pregnancy)
Pre-eclampsia (where you develop high blood pressure, carry abnormal fluid and have protein in your urine during the second half of pregnancy)
Ectopic pregnancy (a pregnancy that develops outside the uterus)
Molar pregnancy or hydatidiform mole (a pregnancy in which a tumour develops from the placental tissue)
Post-partum haemorrhage (excessive bleeding following childbirth)
Retained placenta membrane (part or all of the placenta is left behind in the uterus after delivery)
Placental abruption (part or all of the placenta separates from the wall of the uterus)
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)
Stillbirth
Miscarriage
Emergency caesarean section
A termination needed for medical reasons
Premature birth more than 10 weeks (or 18 weeks if you know you are having more than one baby) before the expected delivery date

Pregnancy Cover Exclusions

Coverage for Babies: Unfortunately, our policies do not offer any cover for any children who are born overseas. We are unable to offer any cover for the baby even if you pay an additional premium in order to be covered.

Overseas Doctor’s Visits: Unfortunately we don’t cover standard pregnancy-related doctor appointments, even if you become pregnant overseas.

Pregnancy & Childbirth Claims: You will not be covered for any claim that comes from pregnancy or childbirth unless a qualified medical practitioner confirms that the claim comes from complications of pregnancy and childbirth which include premature birth (more than 10 weeks before the expected delivery date, or 18 weeks if you know you are having more than one baby).

Overseas Medical Treatment: Our policies offer unlimited hospital, medical and surgical expenses. For pregnancy, please note that we only cover the complications of pregnancy and childbirth only. Accepted limited complications are explicitly listed in your PDS.

Pregnancy Cover Within Australia: Our domestic policies do not cover any medical expenses incurred within Australia. This includes medical costs related to pregnancy. However, if you have purchased a policy that includes cancellation cover, you will be covered for cancellation due to a complication of pregnancy.

Cancelling Holiday Due To Zika Virus: As the Zika virus is now a known event, if you decide to cancel your trip as a result of this, you will not be covered.

Most Common Questions

Is my baby covered?

Unfortunately, our policies do not offer any cover for any children who are born overseas. We do however cover your expenses for premature birth more than 10 weeks (or 18 weeks if you know you are having more than one baby) before the expected delivery date. We are unable to offer any cover for the baby even if you pay an additional premium in order to be covered.

I’ll miss my doctor’s appointment here, am I covered for the same one overseas?

Unfortunately, we don’t cover standard pregnancy-related doctor appointments, even if you become pregnant overseas.

I’m going to hit the 30 weeks mark half-way through our trip, will I be covered?

We cover premature birth more than 10 weeks before the expected delivery date (18 weeks if you know you are having more than one baby). We also cover certain pregnancy-related complications (listed in our product disclosure statement) for up to 30 weeks.

Do you cover childbirth?

We automatically cover you for unlimited medical, hospital and surgical costs for premature childbirth up to 30 weeks (for one baby only) and up to 20 weeks for multiple-child pregnancy. However, be advised that this policy does not cover costs associated with childbirth after this period nor do we cover the costs of a child born whilst you are overseas.

Do you need to declare your pregnancy before buying travel insurance?

No, you don’t need to declare as pregnancy is not determined to be a pre-existing condition. However, for a comprehensive list of what is and is not covered please refer to the Policy Wording Documents.

Do you cover pregnancy?

Our policies include medical expenses covering pregnancy and childbirth up to 30 weeks into your pregnancy if you're expecting one baby, or up to 20 weeks if you're expecting more than one baby, whilst you are away. As of the beginning of week 31 to week 40 of pregnancy for one baby, or the beginning of week 21 for more than one baby, there is no cover pregnancy-related claims and normal childbirth.

However medical expenses cover will be provided if any of the following complications arise:

Toxaemia (toxins in the blood)
Gestational hypertension (high blood pressure arising as a result of pregnancy)
Pre-eclampsia (where you develop high blood pressure, carry abnormal fluid and have protein in your urine during the second half of pregnancy)
Ectopic pregnancy (a pregnancy that develops outside of the uterus)
Molar pregnancy or hydatidiform mole (a pregnancy in which a tumour develops from the placental tissue)
Post-partum haemorrhage (excessive bleeding following childbirth)
Retained placenta membrane (part or all of the placenta is left behind in the uterus after delivery)
Placental abruption (part or all of the placenta separates from the wall of the uterus)
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)
Stillbirth
Miscarriage
Emergency Caesarean section
A termination is needed for medical reasons
Premature birth more than 8 weeks (or 16 weeks if you know you are having more than one baby) before the expected delivery date

Please keep in mind that no cover is available for children who are born overseas during your trip.

If at the time you purchase your travel insurance, you know that you will be 33 to 40 weeks pregnant during your trip; you will be unable to claim cancellation for your trip. If you are suffering from a complication of pregnancy and therefore a doctor advises you that you are not fit to travel then claims for cancellation will still be considered. For further information, please contact us.

Is IVF covered under the pregnancy cover?

Yes. We cover natural and IVF-assisted pregnancies under our international travel insurance policies

We provide cover for pregnancy and childbirth up to the end of the 30th week of pregnancy if you're expecting one baby, and up to the end of the 20th week if you're expecting more than one baby.

Complications of pregnancy are covered full-term. Please check page 49 for more information on complications of pregnancy and childbirth.

To clarify, no cover is available for children who are born overseas during your trip.

Do you cover for cancellation of your trip due to pregnancy?

Yes, we cover cancellation, If you become pregnant after we have sold you this policy, and you will be more than 30 weeks pregnant (or 20 weeks if you are expecting more than one baby) at the start of, or during, your trip. Or, your doctor advises that you are not fit to travel because you are suffering from complications of pregnancy and childbirth. For further information and a full list of what is considered a complication of pregnancy please go through the Policy Wording Documents.

Will I be covered if I have to return home early or cancel the trip due to family emergency at home?

Depends on the reason. We cover curtailment of the trip for the unexpected death of, or sudden serious injury or illness of, your, or your travelling companion’s relative who is resident in Australia or New Zealand and who is in Australia or New Zealand at the time the event occurs, or of your business associate who is resident in Australia and who is in Australia at the time the event occurs OR if there is a serious damage to your home or business premises in Australia.

Read the PDS for more info.

Pregnancy Travel Insurance

Pregnancy Travel Insurance

Why Travel With Us?

Complications of pregnancy and childbirth that we cover are limited to:

Pregnancy Cover Exclusions

Most Common Questions

Follow us to keep up to date with competitions, giveaways and all things travel