Am I covered while pregnant?

Traveling with a little extra luggage? Congratulations on your baby news! If you’re heading off on a babymoon, or for any other reason while pregnant, you’re definitely covered for most items listed in your travel insurance policy. Where it gets a little technical is if you’re needing to claim for certain hospital or medical emergency expenses that are related to your pregnancy, including childbirth.

Pregnancy is viewed as a pre-existing medical condition and many benefits are available to expectant mothers. See here for details

Your due date play an important role in whether you can get cover or not.

  • You are covered up to 26 weeks in the case of a single baby
  • 19 weeks in the case of a multiple pregnancy.

Cover is provided to you, but not provided for childbirth or the health of a newborn child.

For full details see pages 56 to 56, and 60 to 63 of the PDS.

For extended cover while pregnant overseas, we offer an additional product called our Pregnancy Pack. Would you like to know more about that?

We will not pay medical expenses for:

  • regular care following the birth
  • childbirth, regardless of the stage of pregnancy
  • newborn care
  • repatriation of your child

At a certain point in pregnancy, doctors advise that long trips are not the safest idea. Having a baby overseas in a medical emergency is no doubt the last thing you’d want. So if you’re at, or passed 26 weeks of your pregnancy, or 19 weeks with twins or more, you’re advised not to travel, and are not covered for pregnancy-related medical expenses.

You are also not covered for medical expenses if you are undergoing fertility treatment, either now or before you start your trip, and, if you have experienced any pregnancy complications or other health complications that you have been advised may adversely affect the pregnancy.

For extended cover while pregnant overseas, we offer an additional product called our Pregnancy Pack. Would you like to know more about that?

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