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Travel Cover: Pregnancy Cover


Pregnancy Travel Insurance Cover

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 and to take note of any travel advisory warnings. For specific questions, visit our pregnancy travel insurance FAQs page.

Our travel insurance policies cover women up until their 24th week of pregnancy (i.e. up to 23 weeks and 6 days). If you’re travelling during that time, your Cover-More policy will provide you with overseas emergency medical expenses cover for serious and unexpected pregnancy complications, access to our 24-hour travel assistance services, and much more.

Quality travel insurance cover 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 a multiple pregnancy e.g. twins or triplets; or
  • You had a medically assisted conception e.g. using assisted fertility treatment including prescription fertility medication or IVF.

If you are pregnant and have already bought your travel insurance, 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 cover.

What cover do I get for my pregnancy?

At Cover-More, we provide coverage if serious and 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

We do not cover childbirth or neonatal care overseas. Overseas births can be complicated and expensive. Be sure to consult with your usual family doctor, but we also consider it advisable to well before the 24th week of pregnancy to reduce the risk of an overseas birth.

If you travel after the 23rd week, we 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 and 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 provide various forms of non-financial assistance. 


A babymoon is a great opportunity for the couple to unwind and make important decisions like what to call their baby, whether to find out if it’s a boy or girl, or naming the baby's 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).

Consider that wherever you pick, you'll want access to:

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

Make sure you consider bringing 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, it's a good idea to bring:

  • 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

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 page 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 you're visiting. Know what to avoid, particularly while pregnant.
  • Pack correctly – pack clothes that take your changing shape into account and keep you comfortable.

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

If you're thinking of , 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.