Pregnancy and travel insurance: What you need to know

Traveling while pregnant can be an exciting and memorable experience. Whether you're planning a babymoon to relax before the arrival of your little one or attending an important family event, it's essential to prioritize both your health and financial security. One key way to do this is by understanding how pregnancy and travel insurance work together.

In this guide, we’ll review everything you need to know about travel insurance during pregnancy, including what is typically covered, how to choose the right policy, and essential tips for traveling safely while expecting.

Why you need travel insurance when pregnant

Pregnancy is a time of joy, but it also comes with increased risks and uncertainties. Unexpected complications can arise, and medical costs abroad can be astronomically high without insurance. A travel policy with medical insurance coverage offers a safety net, ensuring you’re financially prepared for potential emergencies while traveling.

Here are a few reasons why travel insurance is especially important during pregnancy:

• Medical emergencies coverage: Pregnancy complications, such as preterm labor, require immediate medical attention. Travel insurance can help cover the costs of hospital stays, doctor visits, or emergency transport.
• Trip cancellations or interruptions: If a medical issue forces you to cancel or cut short your trip, travel insurance may reimburse you for non-refundable expenses like flights, accommodations, and tours.
• Baggage loss and recovery: Losing your baggage on any trip is frustrating, let alone when you're pregnant. Depending on what you need to pack for your trip, having baggage protection allows you to seek reimbursement for the items you need whether they’re delayed, damaged or lost.
• Peace of mind: Knowing you’re protected allows you to focus on enjoying your trip rather than worrying about "what-ifs."

Also read: Does short-term disability cover maternity leave?.

What travel insurance typically covers during pregnancy

Most travel insurance policies provide coverage for pregnant travelers, but the extent of coverage varies. It's crucial to understand what your policy includes and excludes before purchasing.

Here’s what is commonly covered:

1. Unforeseen medical emergencies related to pregnancy: Many policies cover emergencies up to a specific point in your pregnancy, usually before the third trimester (often up to 32 weeks gestation). This includes complications such as preterm labor or other unforeseen conditions.
2. Trip cancellation or interruption due to pregnancy-related reasons: If your doctor advises against travel or if a complication arises before your trip, some policies will reimburse non-refundable costs.
3. Emergency medical evacuation: If you require specialized care not available locally, travel insurance may cover air ambulance services to the nearest suitable hospital.
4. Standard coverage: Most policies include general coverage for lost baggage, flight delays, and other non-medical incidents, regardless of pregnancy.

However, it’s important to note that:

• Routine checkups and childbirth are not covered: Regular prenatal care and delivery costs are generally excluded.
• Pre-existing conditions may not be covered: If you have a high-risk pregnancy or other medical conditions, additional coverage may be required.

How to choose the right travel insurance policy

Selecting the right travel insurance policy when pregnant requires extra consideration. Here are steps to help you make an informed decision:

1. Check the coverage period

Ensure the policy covers your specific travel dates and gestational period. Many insurers have cutoffs around 28-32 weeks, so confirm that your pregnancy falls within their guidelines.

2. Look for pregnancy-specific coverage

Some travel insurance providers offer policies specifically designed for pregnant travelers. These plans may provide broader coverage for pregnancy-related issues.

3. Understand the exclusions

Carefully read the fine print to identify exclusions. Common exclusions include routine checkups, pre-existing conditions, and travel against medical advice.

4. Ask about pre-existing condition waivers

If you have a high-risk pregnancy or other medical conditions, inquire about a waiver to ensure these conditions are covered.

5. Consider emergency medical evacuation coverage

Pregnant travelers should prioritize policies that include robust medical evacuation coverage, especially when traveling to remote or less-developed areas.

6. Compare multiple providers

Use comparison tools to evaluate different travel insurance providers. Look for travel insurance provider reviews, review pricing options, and specific benefits for pregnant travellers.

Tips for traveling while pregnant

Having the right travel insurance is just one part of safe and enjoyable travel during pregnancy. Here are additional tips to keep in mind:

1. Consult your doctor before traveling

Always get approval from your healthcare provider before booking a trip. They can advise on travel restrictions based on your health and gestational age.

2. Choose your destination wisely

Opt for destinations with good healthcare infrastructure. Avoid areas with disease outbreaks or regions requiring extensive vaccinations.

3. Time your trip carefully

The second trimester (weeks 14-28) is generally considered the safest time to travel. Morning sickness usually subsides, and energy levels tend to be higher.

4. Stay comfortable during the journey

• Wear loose, comfortable clothing and supportive shoes.
• Use compression stockings to reduce the risk of blood clots during long flights or car rides.
• Stay hydrated and take breaks to stretch or walk around.

5. Pack smart

Bring all necessary medications, prenatal vitamins, and a copy of your medical records. Include emergency contact information for your doctor.

6. Know local emergency numbers

Familiarize yourself with local healthcare facilities and emergency services at your destination.

Common questions about pregnancy and travel insurance

1. Can I travel after 32 weeks of pregnancy? Most travel insurance policies exclude coverage after 32 weeks, though this can vary by provider. Airlines and cruise lines may also have restrictions on pregnant travelers, so always check their policies.

2. Will travel insurance cover me if I go into labor early? If premature labor occurs and it’s within the covered gestational period, emergency medical care may be included. Routine childbirth costs, however, are rarely covered.

3. Can I get travel insurance if I’m having a high-risk pregnancy? Some insurers offer coverage for high-risk pregnancies, but you may need to purchase a policy with a pre-existing condition waiver.

4. Do I need a doctor’s note to travel? Some insurers require a note from your doctor confirming that you’re fit to travel. This is also often required by airlines.

The bottom line

Traveling while pregnant can be an incredible experience, but it’s essential to plan carefully and protect yourself with the right travel insurance. By understanding your coverage options, choosing the right policy, and taking necessary precautions, you can enjoy peace of mind and focus on making unforgettable memories before your new adventure begins.

If you’re comparing travel insurance policies, be sure to explore multiple providers and read the fine print. Prioritize your health and safety, and don’t hesitate to ask questions to ensure you’re fully informed.

Safe travels and best wishes for your journey into parenthood!

Also read:

• Does short-term disability cover maternity leave?
• The best life insurance for parents of young children
• Family life insurance
• The best family credit cards in Canada for 2025