Get Great Travel Insurance When Pregnant | Fast Cover

Travel Insurance for pregnancy

Travel is still possible when you’re pregnant and is increasingly more popular since the birth of the babymoon. A relaxing holiday away might be just the thing an expecting mother needs! But before you begin day-dreaming of sunny beaches or peaceful resorts you will need to organize travel insurance that covers both you and your pregnancy.

We’ve tailored our pregnancy cover to make sure you have peace of mind; all our plans automatically include cover for pregnancy at no additional charge.

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All of Australia including Lord Howe Island, Thursday Island, Christmas Island, Cocos Island and Norfolk Island

Not included


Bali, Indonesia, New Zealand & South Pacific. (Choose Worldwide for Hawaii)

Not included


All Asian countries except Japan. (Choose Worldwide for Japan)

Not included


All European countries
(including Turkey) and the Russian Federation.

Not included


All countries including North & South America (including Hawaii), Japan, Middle East, Africa & Antarctica.

Not included
Automatically included
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Underwritten by

Remember, you can edit your quote at any time!

Children under 21 covered free of additional charge* ?
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Cover for an unlimited number of trips over a 12 month period*.
Available to travellers 59 and under.

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Call us on

1300 409 322

Our insurance will cover your health, your belongings and potential cancellation cost as well as a range of other benefits*.

Can I get travel insurance while I’m pregnant?

If you answer ‘Yes’ to all of the below questions, Fast Cover travel insurance will provide you with cover for your pregnancy**.

  •     You will be less than 24 weeks pregnant on the return date of your trip?
  •     You’ve had a complication** free pregnancy thus far?
  •     Your doctor or medical practitioner is comfortable with you travelling?
  •     You’re pregnant with only one baby (single pregnancy)?

If you answer ‘No’ to any of these questions, we may still be able to help.

Call us on 1300 409 322 and one of our Travel Insurance Specialists can discuss your situation with you.

What type of pregnancy is or isn’t covered

There are a number of general exclusions that aren’t covered by travel insurance. If these are relevant to you or your pregnancy, explore your travel insurance options carefully and you may need to consider travelling closer to home.


  • 1-23 weeks pregnant
  • No complications**
  • Fit to travel
  • Single pregnancy
  • Conceived by IVF

Not Covered

  • 24 weeks or more
  • Care for your newborn child
  • Experienced complications**
  • Routine check ups
  • Travelling against medical advice
  • Childbirth
  • Multiple pregnancy (twins or more)
  • Antenatal care such as ultrasounds
  • Travelling for fertility treatment
  • Medical expenses you incur within Australia

We’ve made buying travel insurance fast and simple for pregnant travellers

Cover for pregnancy is standard with Fast Cover. We consider pregnancy as an automatically covered pre-existing medical condition and don’t require you to complete any medical questionnaires.


I have never had to make a travel claim before and was a bit dubious about the process. I was pleasantly surprised with the prompt service, quick reimbursement and integrity of staff.
Thank you.

Steph, Camberwell

Key travel insurance policy features to look for when you’re pregnant

Choose your Plan

Our travel insurance plans can cover the costs of a medical problem that arises in the early stages of pregnancy (up to and including the 23rd week) while you’re travelling, as long as it is a single baby pregnancy without complications**
Comprehensive Plan A
Standard Plan B
Medical Only Plan C
Unlimited overseas emergency medical & hospital expenses*
✔︎ ✔︎ ✔︎
Unlimited cover for Emergency Medical Assistance* ✔︎ ✔︎ ✔︎
Cover for Personal Liability ✔︎ ✔︎ ✔︎
Unlimited* cover for cancellation of your holiday whether you have stated already or not ✔︎ ✔︎  
Cover for your luggage and personal belongings should it be lost, stolen or damaged ✔︎ ✔︎  
Travel Delays during your journey ✔︎    
Alternative Transport Expenses ✔︎    
Loss of income should you be unable to work because of an injury during your holiday

Buy travel insurance early, particularly when pregnant

As soon as you purchase your travel insurance and are issued with your policy, you’ll have instant cancellation cover.

If you or a family member*:

  • Become sick
  • Are injured
  • Have a pregnancy complication
  • Can’t travel due to a natural disaster
  • Or need to cancel your trip for any claimable event

You’re covered for cancellation costs of:

  • Flights
  • Hotels
  • Cruises
  • Tours
  • etc

Claimable cancellation examples

  • If you have your regular check-up and have signs of toxemia or pre-eclampsia and have to cancel your trip because you are unable to travel.
  • An outbreak such as the Zika Virus occurs at your intended destination after you have booked your trip and it is now no longer safe for pregnant travellers.
  • You are involved in an accident such as a car accident~ and because of risk to your unborn baby or yourself, medical practitioners advises you to cancel your trip.
  • A natural disaster such as the Bali Ash cloud occurs after you have booked your trip and you are unable to get to your holiday destination.
  • If you have another child and they fall ill or injure themselves which means your family is unable to travel.

Full policy benefits

The below outlines Fast Covers full policy benefits for Comprehensive, Standard and Domestic plans.

Medical Benefits

Medical Only Standard Comprehensive

Overseas Emergency Medical Assistance^


Unlimited Unlimited Unlimited

Funeral/cremation Overseas and/or bringing your remains home (per person)

$15,000 $15,000

Overseas Emergency Medical & Hospital Expenses^


Unlimited Unlimited Unlimited

Emergency Dental Expenses (per person)

$500 $500

Hospital Cash Allowance^^


––– $2,500 $5,000

Daily Limit (per person)


Accidental Death


––– ––– $25,000

Death of a Dependant (per Dependant)


Permanent Disability^^


––– ––– $25,000

Permanent Disability of a Dependant (per Dependant)

Loss of Income^^


––– ––– $10,400

Weekly Limit (per person) - up to 26 weeks

Financial Benefits

Medical Only Standard Comprehensive

Cancellation Fees & Lost Deposits


––– Unlimited Unlimited

Travel Agents Cancellation Fees

$1,500 $1,500 $1,500

Relatives with a Pre-existing Medical Condition

$2,000 $2,000 $2,000

Personal Liability

$5,000,000 $2,500,000 $5,000,000

Additional Expenses


––– $30,000 $50,000

Resumption of Journey

$3,000 $3,000 $3,000

Relatives with a Pre-existing Medical Condition

$2,000 $2,000 $2,000

Luggage & Personal Effects


––– $5,000 $7,500

Personal computers,video recorders or cameras (per item)

$3,000 $3,000 $3,000

Mobile phones (including PDAs and any items with phone capabilities) (per item)

$1,000 $1,000 $1,000

All other unspecified items (per item)

$750 $750 $750

Luggage and Personal Effects stolen from a Locked Storage Compartment of an unoccupied vehicle during daylight hours (limit of $200 per item applies)

$2,000 $2,000 $2,000

Travel Documents, Credit Cards & Travellers Cheques^^


––– $2,000 $5,000

Alternative Transport Expenses

––– ––– $5,000

Rental Vehicle Insurance Excess


––– Optional Optional

Return of Rental Vehicle


Travel Delay Expenses


––– ––– $2,000

Daily Limit (per person)
(we will pay up to $200 for each full 24 hours beyond the initial 6 hour delay)


Luggage & Personal Effects Delay Expenses^^


––– ––– $250

Death of a Dependant (per Dependant)


Theft of Cash^^

––– ––– $250

Please note: This is only a summary of benefits. Exclusions and sub-limits apply to each cover type. Benefit limits shown are for Single and Duo (per person) policies. Family policy benefit limits apply for the whole family and are double the corresponding benefits limit under a Single policy, except for certain benefits – please refer to the table of benefits in the PDS for full details.

^There is no cover under these Policy Sections while travelling in Australia. There is cover under these Policy Sections while travelling on a domestic cruse in Australian waters where you have purchased Plan A, S or B (selecting Region 3) or Plan M. Refer to the “Geographical Regions” section of this PDS for details (pages 12 to 13). ^^ There is no cover under these Policy Sections while travelling in Australia – refer to the “Geographical Regions” section of the PDS for details (pages 12 to 13)

Our top 10 tips for travelling during pregnancy

Taking a holiday before your baby arrives can be a great way to relax before the sleepless nights attending to the little one start! Here are our top 10 tips for travelling while pregnant:

1. Choose an appropriate destination +

Long travel times whether that be by plane or road can be uncomfortable at the best of times and this can be amplified when pregnant. The further you go also means the further you are from home if you need or want to come home. An isolated quiet oasis has an obvious appeal for the relaxing environment you seek, but with the remoteness of such idyllic destinations often comes less access to quality medical facilities.

2. Consider which trimester you travel in +

You may find travelling in your second trimester is a better option than the first or third because: Nausea has most likely passed Miscarriage risk is lower Airlines and cruise ships have less restriction The chance of early birth is less You should have more option for your choice of travel insurance that provides cover for pregnancy

3. Check your airlines travel restrictions +

Most airlines will let you fly until the end of your second trimester. However, different airlines have different rules, so check you’ll be OK to fly both at the beginning and the end of your holiday.

4. Discuss your travel plans with your doctor before you go +

Your doctor is a great resource for tips and advice, as well as specific information about the country you’re planning to travel to.

5. Check your vaccinations and what vaccinations are safe to have while pregnant +

If you’re going to a region where vaccinations are required, check you’re still able to have these during pregnancy. Get advice from your doctor about the destination you have in mind, and be aware that malaria can be very dangerous for your baby.

6. Buy travel Insurance with adequate cover +

Ensure you have adequate pregnancy travel insurance that covers your specific pregnancy for your trip. How many weeks’ cover, how you conceived, whether you’re pregnant with one or two babies or if you’ve had complications, all affect whether you’ll have cover for pregnancy under your travel insurance policy.

7. Get up and move around on the plane +

The risk of deep vein thrombosis (DVT), which are dangerous blood clots in your legs, is increased during pregnancy. So remember to get up and move around the cabin from time to time if you’re on a long flight. Consider purchasing some pressure stockings too.

8. Drink lots of water and stick to bottled water +

It’s important to stay well hydrated, so be conscious of taking sips of water all day long, especially in a hot climate, purchase bottled water only and avoid ice cubes, vegetables and salads washed in locl water. Look for fruits you can peel such as oranges, bananas and mangoes.

9. Be careful what you eat +

Eat well while you’re away, but watch out for foods that should not be consumed during pregnancy. Things like unpasteurized milk, raw or undercooked meat and certain fish like shark may be more available overseas, but may not be the best food choices while pregnant.

10. Avoid strenuous activities+

Aim to spend your time relaxing, reading and walking while you’re away. It’s important to be active during pregnancy, but you should reconsider the urge for scuba diving, riding rollercoasters or climbing mountains while you’ve got a baby on board.

Why choose fast cover for your travel insurance when pregnant?

As one of Australia’s leading travel insurance industry experts, Fast cover can provide you with travel insurance to suit your needs, even while you’re pregnant. We’ve made our insurance simple and flexible so you can get the cover that’s right for you.

  • Cover is provided for all pregnancies up to and including 23 weeks

  • Underwritten by Allianz

  • Our travel insurance
    specialists are on hand to help you
    create a policy which covers your needs.

  • Multi award winning travel insurance
    MOZO 2015 Best Value Comprehensive Cover
    MOZO 2015 Best Value Seniors Comprehensive Cover

  • The earlier you buy travel insurance, the earlier we can provide cancellation cover for money you’ve spent on hotels, flights or tours in the event of unexpected sickness, injury, family emergencies or natural disasters.*

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**Complications means any secondary diagnosis occurring prior to, during the course of, concurrent with or as a result of the pregnancy, which may adversely affect the pregnancy outcome. *See Product Disclosure Statement (PDS) for full terms, conditions, limits and exclusions that apply. Benefit limits shown are for Single and Duo (per person) policies. Family policy benefit limits apply for the whole family and are double the corresponding benefit limit under a Single Policy, except for certain benefits – please refer to the table of benefits in the PDS for full details. ~You would only have cover for a car accident if you (or the person who is in control, if you are the passenger) held a current Australian drivers license or drivers license valid for the country you are in.

Need a hand?

1300 409 322
Fax: (02) 8252 4710