Pregnancy travel insurance

Travel insurance cover when you are pregnant

Being pregnant is not an illness and it certainly doesn’t prevent you from travelling abroad for a holiday, but you should make sure you are properly covered by your travel insurance.

Suffering pregnancy complications abroad which result in emergency medical treatment could work out costly if you are not covered by insurance.

All travel insurance policies from Total Travel Protection will provide our standard levels of cover for you to travel when pregnant, up to 28 weeks for a single pregnancy or 24 weeks for a multiple pregnancy, so long as your airline or transport provider is happy to carry you and you are not travelling against your doctor’s advice.

From 29 weeks (25 weeks for a multiple pregnancy) there are some restrictions to cover, please see the details below.

There is no extra charge for travel insurance if you are pregnant and you don’t need to declare your pregnancy when you buy your policy.

All travel insurance policies from Total Travel Protection provide the following cover if you are pregnant:

You will be covered to travel up to week 28 of a single pregnancy, or week 24 of a multiple pregnancy as long as your airline or other transport provider is happy to carry you and you are not travelling against doctor's advice.

We will provide emergency medical expenses and cancellation cover for pregnancy and childbirth up to week 28 for a single pregnancy and for a multiple pregnancy up to week 24.

From week 29 – 40 (or week 25 - 40 for a multiple pregnancy) cover for medical expenses and cancellation cover is only provided if complications occur.

Pregnancy travel insurance – the details

Our policies are designed to include cover under the Cancellation section, Curtailment section and Medical and Repatriations Expenses section for Pregnancy and Childbirth from week 0 to week 28 inclusive for a single pregnancy, or week 0 to week 24 inclusive for a multiple pregnancy, whilst you are away.

From the start of week 29 and up until week 40 for a single pregnancy, or the start of week 25 and up until week 40 for a multiple pregnancy, cover is only provided under the Cancellation section, Curtailment section and Medical and Repatriations Expenses section if any of the following complications arise: Toxaemia, Gestational hypertension, Ectopic pregnancy, Post-partum haemorrhage, Pre-eclampsia, Molar pregnancy or hydatidiform mole, Retained placenta membrane, Placental abruption, Hyperemesis gravidarum, Placenta praevia, Stillbirth, Miscarriage, medically necessary Emergency Caesarean, A termination needed for medical reasons, Premature birth more than 12 weeks (or 16 weeks if you know you are having more than one baby) before the expected delivery date.

The policy will not cover any claims relating to normal pregnancy or normal childbirth.

Please note we will not cover denial of boarding by your carrier, so you should check that you will be able to travel with the carrier/airline in advance.

It is essential, if at the time of booking your trip you are aware that you are pregnant, that you ensure that you are able to have the required vaccinations for that trip; no cover will be provided for cancellation in the event that, after booking you discover travel is advised against, or you are unable to receive the appropriate and required vaccinations for that country.

Please make sure your Medical Practitioner and Midwife are aware of your travel plans, and that there are no known complications, and you are fit to undertake the planned trip.