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Travel Cover: Pregnancy Cover


Pregnancy travel insurance

Yes! We offer travel insurance cover for pregnant women

If you’re expecting a baby while you’re planning a trip, you might be wondering if there is travel insurance that covers pregnancy. You’re in luck. At Cover-More, we’re pleased to offer cover for pregnancy, if you meet certain conditions. In fact, when you’re travelling while pregnant, quality cover can be one of the most important purchases you make to protect the health of you and your baby. It's important for you to know any airline restrictions placed on pregnant travellers before you book your trip. For specific questions, visit our Pregnancy travel insurance FAQs

Our travel insurance policies cover women up to and including their 23rd week of pregnancy. If you’re travelling during that time, your Cover-More policy will provide you with overseas emergency medical expenses cover for serious, unexpected pregnancy complications, access to our 24-hour travel assistance services and much more.

Quality travel insurance for pregnancy

If you are pregnant when buying your travel insurance, you’ll need to complete a medical assessment to apply for cover if:

  • You've had complications with this pregnancy or a previous pregnancy;
  • You have multiple pregnancy e.g. twins or triplets; or
  • You had a medically assisted conception e.g. using assisted fertility treatment including hormone therapies or IVF.

If you have already bought your travel insurance and then found out you were pregnant there’s no need to do anything. If you need to cancel your trip due to your pregnancy, you’ll need supporting documentation from your doctor indicating you’re not fit to travel to claim for cancellation.

What cover do I get for my pregnancy?

Cover-More Travel Insurance looks after the mother, if serious, unexpected pregnancy complications arise before the 24th week of the pregnancy. If you’re travelling in the first 23 weeks of your pregnancy and you meet the conditions in the Policy Wording we can provide you with:

  • Overseas emergency medical expenses cover for serious and unexpected pregnancy complications
  • 24-hour travel assistance services
  • Access to an Australian-based doctor via TravelGP*

We do not cover childbirth or neonatal care overseas. Overseas births can be complicated and expensive. We recommend travel before the 24th week of pregnancy to reduce the risk of an overseas birth.

If you travel after the 23rd week, Cover-More can provide cover for non-pregnancy related events. You’ll have standard policy elements like luggage cover and any medical conditions not related to your pregnancy.

Pregnant woman looking out at water

What is not covered for pregnancy

Please keep in mind that under our travel insurance policies:

  • No cover is provided for standard check-ups or scans.
  • No cover exists where serious, unexpected complications of your pregnancy occur after the 23rd week of pregnancy.
  • No cover exists for childbirth or the health of a newborn child, regardless of the stage of pregnancy at which the child is born.

Please read the Policy Wording so you understand what's included in the plans. We want you to find the best policy to suit your travel needs as an expectant mother.

In an emergency

If something isn’t right while you’re overseas, contact the local emergency services and then as soon as possible, give us a call. If you are giving birth overseas, we can provide non-financial support and put you in touch with your family back home. While childbirth isn’t covered by our policies from a financial perspective, we can still be there for you for emotional support and assistance. Cover-More customers may have access to our TravelGP service where we can put you in touch with an Australian-based doctor via telemedicine.


A babymoon is a great opportunity for the couple to unwind and make important decisions like baby names, whether to find out if it’s a boy or girl, or who to name as guardians. There are a lot of hotels and destinations that have jumped on the babymoon bandwagon. Packages include luxury accommodation, relaxing massages, welcome gift hampers and buffet breakfasts (you are eating for two after all).

You’ll want to make sure that wherever you pick, you have access to:

  • A large comfy bed
  • Extra pillows
  • Good food that has been hygienically prepared
  • Massages or day spa
  • A nearby hospital or doctors

Make sure you always have the following items with you:

  • Prenatal charts/medical notes
  • Emergency contact details
  • Journal and Camera
  • Water bottle
  • Comfy clothing and shoes
  • Prenatal vitamins and any other medication
  • Insurance documents

And if you’re travelling overseas you’ll need:

  • Compression stockings
  • Doctor’s letter permitting travel
  • Thongs or slip-on shoes (easy to take off on the plane or at customs)
  • A list of foods to avoid

Childbirth overseas   

If you are travelling in your third trimester OR you unexpectedly go into labour overseas there are a few things to consider. Citizenship rules change from country to country, so it’s a good idea to understand the local laws before travelling.

If you are a citizen of New Zealand and you give birth overseas, you’ll need to apply for your child’s New Zealand citizenship and passport before you can return home. This process can take up to 30 working days. For application forms and more information visit the New Zealand government website. Our assistance team can help put you in touch with the local embassy to organise the documents.

Pregnant woman on beach with umbrella

Before your trip

It’s good to be well prepared for an upcoming journey. It’s even more important when you’re pregnant, with more to consider for you and your unborn baby. Consider the following steps before you head off.

  • Check the airline restrictions for flying while pregnant
  • Register with SafeTravel – let the Government know where you’re going, so they can contact you in an emergency.
  • Visit your GP – discuss your travel plans and get the relevant vaccinations. You may even need a medical certificate confirming you’re fit to travel.
  • Research your destination – consider the foods, cultures and climates of the places your visiting. Know what to avoid, particularly while pregnant.
  • Pack correctly – pack clothes that take your changing shape into account and keep you comfortable.

Vaccinations for pregnant women

As a pregnant woman, you are at risk of serious complications if you contract malaria or viral hepatitis E. Certain standard vaccinations can also be harmful to your baby when you’re pregnant. We recommend you get in touch with your doctor before you travel to ensure you have the right vaccinations for your trip. Nothing is more important than protecting the health of you and your baby.

Travel tips for pregnancy

Planning a trip requires preparation and even more so if you're expecting a baby. Have a read of our expert tips for travelling while pregnant to help you navigate through the planning process. 

Enjoy the journey

Being pregnant is an incredible journey. You may want to squeeze in one last holiday before your little one arrives. To give you comfort and peace of mind, consider taking out pregnancy travel insurance from Cover-More. Get a quote online so you can get on with enjoying this precious time in your life.

*Travel GP services do not form part of your travel insurance policy. It is a service offered to customers at Cover-More’s costs and at our sole discretion. Your circumstances including age, location, medical condition or issue, proximity to appropriate medical care and medical history will also be considered.