Pregnancy is a special time, but it shouldn’t stop you from traveling—as long as you’re prepared. One of the most important things to consider is travel insurance for pregnancy, which can protect you and your baby in case of unexpected complications. Whether you’re planning a babymoon, visiting family, or traveling for work, having the right pregnancy travel insurance ensures peace of mind.
In this guide, we’ll cover:
✔ Why you need travel insurance when pregnant
✔ What pregnancy-related coverage typically includes
✔ Best travel insurance policies for pregnant travelers
✔ How to pick the best plan for your requirements
✔ Typical exclusions and things to look for
By the end, you’ll know exactly how to stay protected while traveling during pregnancy.
Why You Need Travel Insurance for Pregnancy
Traveling while pregnant comes with unique risks, from sudden medical complications to trip cancellations due to doctor’s orders. Here’s why pregnancy travel insurance is essential:
✅ Medical Emergencies – If you experience complications like preterm labor or preeclampsia abroad, travel insurance with pregnancy coverage ensures you get proper care without massive bills.
✅ Trip Cancellation/Interruption – If your doctor advises against traveling last-minute, pregnancy travel insurance can reimburse non-refundable bookings.
✅ Emergency Medical Evacuation – In severe cases, you may need transport to a better hospital—something standard health insurance may not cover.
✅ Peace of Mind – Knowing you’re financially protected lets you relax and enjoy your trip.
When Should You Get Travel Insurance for Pregnancy?
Most insurers only cover pregnancies up to certain weeks (usually before 32-36 weeks). If you’re planning a trip, buy travel insurance for pregnancy as soon as you book your flights.
What Does Pregnancy Travel Insurance Cover?
Not all policies are the same. Here’s what to look for in travel insurance for pregnant women:
1. Pregnancy-Related Medical Expenses
✔ Covers unexpected complications (e.g., gestational diabetes, preterm labor)
✔ Includes hospital stays, doctor visits, and medications
❌ Does NOT cover normal prenatal care or delivery
2. Trip Cancellation Due to Pregnancy Complications
✔ Reimburses flights/hotels if you must cancel for medical reasons
✔ Some policies cover cancellation if you’re put on bed rest
3. Emergency Medical Evacuation
✔ Arranges transport to a better-equipped hospital if needed
✔ Critical for remote destinations with limited healthcare
4. Premature Birth Coverage
✔ Some insurers cover neonatal care if baby arrives early during travel
Best Travel Insurance for Pregnant Travelers
Here are top-rated travel insurance policies that cover pregnancy:
1. World Nomads – Best for Adventurous Travelers
✔ Covers pregnancy complications up to 26 weeks
✔ Includes emergency evacuation
✔ Flexible plans for last-minute trips
2. Allianz Travel Insurance – Best for Trip Cancellation
✔ Covers cancellations due to pregnancy complications
✔ Available for pregnancies up to 31 weeks
3. IMG – Best for Long-Term Coverage
✔ Covers pregnancies up to 32 weeks
✔ Includes newborn care if birth occurs during travel
4. Seven Corners—Best for High-Risk Pregnancies
✔ Optional pregnancy rider for extra coverage
✔ Covers complications up to 36 weeks
How to Choose the Right Pregnancy Travel Insurance
- Check Gestational Limits – Most insurers only cover pregnancies before 32-36 weeks.
- Compare Medical Coverage – Ensure it includes complications, not just routine care.
- Look for Trip Cancellation Protection – In case your doctor advises against travel.
- Read Exclusions Carefully – Some exclude high-risk pregnancies or pre-existing conditions.
- Consider a Policy with Evacuation – Crucial if traveling to areas with limited hospitals.
Common Exclusions in Pregnancy Travel Insurance
❌ Normal delivery costs (insurance only covers complications)
❌ Pregnancies beyond 32-36 weeks (varies by insurer)
❌ Pre-existing high-risk conditions (unless declared & approved)
❌ Elective early returns (only covers medically necessary changes)
Tips for Safe Travel While Pregnant
✈ Get doctor’s clearance before booking flights.
✈ Avoid long flights after 32 weeks (some airlines restrict pregnant travelers).
✈ To avoid blood clots, drink plenty of water and get regular exercise.
✈ Carry medical records in case of emergencies.
Final Thoughts
Travel insurance for pregnancy is a must for expectant mothers planning trips. It protects against unexpected medical costs, trip cancellations, and emergencies, letting you travel with confidence. Just remember:
✔ Buy insurance early (before hitting gestational limits).
✔ Confirm what’s covered (complications vs. routine care).
✔ For added security, pick a plan that includes medical evacuation.
With the right pregnancy travel insurance, you can enjoy your journey worry-free!
FAQs About Travel Insurance for Pregnancy
1. Does travel insurance cover normal pregnancy delivery?
No, most policies only cover complications, not routine delivery.
2. Until what week of pregnancy can I get travel insurance?
Typically 32-36 weeks, but check with your insurer.
3. If I have a high-risk pregnancy, can I still get travel insurance?
Some insurers exclude high-risk pregnancies unless declared upfront.
4. Will travel insurance cover me if I go into labor early?
Some policies cover premature birth expenses, but not all.
5. Can I buy travel insurance after I’m already pregnant?
Yes, but you must disclose your pregnancy when applying.
Related Resources
- CDC Travel Tips for Pregnant Women
- International SOS for Medical Evacuation
- Best Travel Insurance Comparison Tools
By choosing the right travel insurance for pregnancy, you can explore the world safely and stress-free. Bon voyage! 🌍✈️
