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Travel Insurance For Pregnancy

Travel is still possible when you're pregnant and is increasingly more popular since the birth of the babymoon.
Pregnant couple

The following information applies to policies purchased from 30th October 2023 onwards. For policies purchased prior to 30th October 2023: you can find the PDS relevant to you in your policy confirmation email, by logging into MyPolicy, or you can contact us for assistance.

Can I get Travel Insurance while I'm pregnant?

If you answer 'Yes' to the below questions, cover is available under our policies for unexpected serious complications of your pregnancy if:
  • You are pregnant with a single child, and you will be less than 24 weeks pregnant on the return date of your trip?; or
  • You are pregnant with twins or multiple children, and you will be less than 20 weeks pregnant on the return date of your trip?; and
  • You do not have a Pregnancy Condition (as described below under 'What is a Pregnancy Condition?).

If you answered ‘No’ because you have had a pregnancy condition with your current or previous pregnancies, you can complete a medical screening for your pregnancy, and we may be able to provide you with cover for your pregnancy.

Check out our Medical Conditions page for more information about medical screening for your existing medical and pregnancy conditions including information about the General Exclusions that may apply*.

Question mark
What is a pregnancy condition?

A pregnancy condition means you are pregnant and any of the following circumstances apply to you: 

  • You are experiencing complications with the pregnancy that fall within the definition of Complications of pregnancy and childbirth (as described below’under 'Complications of Pregnancy and Childbirth')
  • You experienced complications with any previous pregnancy that fall within the definition of Complications of pregnancy and childbirth (as described below’under 'Complications of Pregnancy and Childbirth'), or 
  • You are having multiple children (e.g. twins, triplets or more), or 
  • Your conception was medically assisted (e.g. hormone therapy or IVF).

Unless you complete a medical screening for your pregnancy condition, we agree to provide you with cover, and you pay the additional premium, we are not able to cover any claims under the policy benefits arising from a pregnancy condition that existed during: 

  • the period of 3 years prior to your policy issue date; or
  • the period between the time of your policy issue date and the date of departure for your trip (except oif you have to cancel or reschedule your trip between the time of your policy issue date and the date of departure for your trip).

Complications of Pregnancy and Childbirth 

Any condition you have been diagnosed with or treated for in the past or 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 including but not limited to the following: 

  • Toxemia (toxins in the blood) 
  • Gestational diabetes (diabetes arising because of pregnancy) 
  • Gestational hypertension (high blood pressure arising because 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 the placenta is left behind in the uterus after delivery) 
  • Placental abruption (part or all the placenta separates from the wall of the uterus) 
  • Hyperemesis gravidarum (excessive vomiting because of pregnancy) 
  • Placenta previa (when the placenta is in the lower part of the uterus and covers part or all the cervix) 
  • Stillbirth 
  • Miscarriage 
  • Emergency caesarean section
  • A termination needed for medical reasons

Cover is subject to the conditions and exclusions described below and all other applicable terms and conditions, exclusions and limitations of the policy.

 

What if I experience a change to my pregnancy condition after I purchase my policy?

If any changes to your health occur (including new pregnancy that falls within the above pregnancy condition definition) after we have listed any pregnancy condition as a covered condition on your certificate of insurance and before you leave for your trip, you must complete another medical screening for the change to your health. If we approve cover for the change in your health, you may need to pay an additional premium to have cover for the condition during your trip.

If you don’t complete a medical screening for your change in health, there would be no cover for the pregnancy condition from the time that the change in your health occurred.

Depending on the type of policy that you purchase, you may be able to submit a claim for your cancellation expenses.

What type of pregnancy isn't covered?

  • Your pregnancy or the pregnancy of any other person after the end of the:
    • 23rd week of pregnancy with a single child, or  
    • 19th week of pregnancy with multiple children,
  •  Childbirth unless it is due to the listed complications of pregnancy as described above, that either it is listed on your certificate of insurance as a covered condition, or you have been diagnosed for these complications during your trip,  
  •  The health or care of a newborn child whatever the cause of the claim is (if you deliver overseas for any reason, including premature birth, there is no cover for costs related to caring for the child or children), 
  • Antenatal care, including medications and vitamins. 

 Also see General Exclusions that apply to all benefits in our PDS.

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

 Choose your Plan

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

Medical Benefits

 Basics Domestic Plus Standard Saver Comprehensive Snow Sports Plus Frequent Traveller Saver

Overseas 24/7 Emergency Medical Assistance^

sub-limits:

 Unlimited ––– Unlimited Unlimited Unlimited Unlimited

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

 $20,000 $20,000 $20,000 $20,000 $20,000

Overseas Emergency Medical & Hospital Expenses^

 Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Overseas Emergency Dental

 $500 ––– $750 $1,000 $1,000 $1,000

Overseas Emergency Evacuation & Repatriation

 Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Overseas Hospital Cash Payment^

sub-limits:

 ––– ––– ––– $5,000 $5,000 $5,000

Daily Limit (per person)

 $50 $50 $50

Accidental Death

Travellers Aged 80 to 89:
 ––– $25,000
$20,000		 ––– $25,000
$20,000		 $25,000
$20,000		 $25,000
$20,000

Accidental Death for travellers up to age 79

 $25,000 $25,000 $25,000 $25,000

Accidental Death for travellers aged 80 - 89

 $20,000 $20,000 $20,000 $20,000

Accidental Death of a Dependant (per Dependant)

 $5,000 $5,000 $5,000 $5,000

Permanent Disability^

Travellers Aged 80 to 89:
 ––– ––– ––– $50,000
$20,000		 $50,000
$20,000		 $25,000
$20,000

Permanent Disability for travellers up to age 79

 $50,000 $50,000 $25,000

Permanent Disability for travellers aged 80 - 89

 $20,000 $20,000 $20,000

Permanent Disability of a Dependant (per Dependant)

 $5,000 $5,000 $5,000

Loss of Income^

sub-limits:

 ––– ––– ––– $10,400 $10,400 $10,400

Weekly Limit (per person) - up to 26 weeks

 $400 $400 $400

Financial Benefits

 Basics Domestic Plus Standard Saver Comprehensive Snow Sports Plus Frequent Traveller Saver

Trip Cancellation Expenses

sub-limits:

 ––– Unlimited $25,000 Unlimited Unlimited Unlimited

Travel Agents Cancellation Fees

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

Close Relatives that do not meet Close relative conditions

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

Personal Liability

 $1,000,000 $5,000,000 $2,500,000 $5,000,000 $5,000,000 $5,000,000

Trip Disruption Expenses

sub-limits:

 ––– $50,000 $30,000 $50,000 $50,000 $50,000

Close Relatives with a Pre-existing Medical Condition

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

Trip Resumption Expenses

 ––– $3,000 $2,000 $3,000 $3,000 $3,000

Luggage & Personal Effects

sub-limits:

 Optional $7,500 $5,000 $15,000 $15,000 $15,000

Personal computers,video recorders or cameras (per item)

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

Mobile phones (per item)

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

Tablets (per item)

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

All other unspecified items (per item)

 $750 $750 $750 $750 $750 $750

Luggage and Personal Effects stolen from a Locked Storage Compartment of an unattended vehicle during daylight hours. We will pay up to $200 for each item and $2,000 in total for all stolen items.

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

Passports, Credit Cards & Credit Card Fraud^

 ––– ––– $2,000 $5,000 $5,000 $5,000

Special Event Transport Expenses

 ––– $5,000 ––– $5,000 $5,000 $5,000

Rental Vehicle Excess

sub-limits:

 ––– $5,000 Optional Optional Optional Optional

Return of Rental Vehicle

 $500 $500 $500 $500 $500

Travel Delay Expenses

sub-limits:

 ––– $2,000 ––– $2,000 $2,000 $2,000

Daily Limit (per person)

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

 $200 $200 $200 $200

Delay of Luggage and Personal Effects^

 ––– ––– ––– $750 $750 $750

Theft of Cash^

 ––– ––– ––– $250 $250 $250

Snow Sports Benefits

 Basics Domestic Plus Standard Saver Comprehensive Snow Sports Plus Frequent Traveller Saver

Snow Sport Equipment

 ––– $1,500 ––– ––– $1,500 –––

Snow Equipment Replacement Hire

 ––– $1,500 ––– ––– $1,500 –––

Snow Prepaid Expenses

 ––– $750 ––– ––– $750 –––

Snow Resort Closure

sub-limits:

 ––– $1,000 ––– ––– $1,000 –––

Daily Limit (per person)

 $100 $100

COVID-19 Benefits

 Basics Domestic Plus Standard Saver Comprehensive Snow Sports Plus Frequent Traveller Saver

COVID-19 Overseas Emergency Medical, Hospital & Medical Evacuation Expenses

 Unlimited ––– Unlimited Unlimited Unlimited Unlimited

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

 $20,000 ––– $20,000 $20,000 $20,000 $20,000

COVID-19 Trip Cancellation & Disruption

––– $3,500 $3,000 $5,000 $5,000 $5,000

Please note: This is only a summary of benefits. Policy terms, conditions, limits, sub limits and exclusions apply to each cover type. Benefit limits shown are for Single and Duo (per person) policies. Pooled Benefits mean that 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 Product Disclosure Statement for full details. ^Cover under these Benefits are excluded while travelling within Australia.

Buy travel insurance early, particularly when pregnant

If you choose a policy with a cancellation benefit, you may have cover for your prepaid travel bookings if you have to unexpectedly cancel your trip due to reasons covered by your policy. Some examples including but are not limited to:

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
Cover is available under the trip cancellation benefit for the cancellation costs of:
  • Flights
  • Hotels
  • Cruises
  • Tours
  • etc

Obviously, your policy will always be subject to terms, conditions, exclusions and sub- limits, therefore, make sure that you read the PDS prior to purchasing a policy.

Cancellation examples of claims that may be covered

  • 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.

Please note that the above are just some examples and are not based on real claims, and whether a claim will be paid out will depend on the customer’s individual circumstances and terms, conditions, exclusions and limits of the policy.

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:

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.

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

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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.

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

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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.

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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.

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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.

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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.

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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.

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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.

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The above is general advice only and is not intended to replace the advice from a medical practitioner or health care professional.

Things you need to know

^ Price as at 27/10/2024 compared to the price calculated today for this policy.

* See Product Disclosure Statement for full terms and conditions and exclusions and limits that apply.

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