best travel insurance when pregnant

June 1, 2020

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Travel During Pregnancy: What Does Travel Insurance Cover?

Some of the most common questions we get at Allianz Global Assistance are about traveling while pregnant. While most pregnant women can safely travel without incident, sometimes complications arise and customers wonder, "What does travel insurance cover?"

Here’s the quick answer: Travel insurance can cover certain situations that result from unforeseen pregnancy complications, or a pregnancy that occurs after you’ve purchased your plan. Travel insurance typically does not cover trip cancellations or other travel losses resulting from normal pregnancy.

Like any other kind of insurance, travel insurance includes specific coverage definitions and restrictions. Read your agreement carefully, and if you have any questions about coverage, call. Pregnant women should consult their doctors with concerns and questions about safe travel.

If you’re pregnant, or you might be soon, it’s wise to protect upcoming trips. Maximize your coverage window by purchasing travel protection as soon as possible. Our most popular plan is OneTrip Prime , which includes substantial benefits for trip cancellation/interruption and medical emergencies.

Read on for a detailed guide to travel insurance and pregnancy from Allianz Global Assistance.

Pregnancy Complications: What Does Travel Insurance Cover? 

You're in the first trimester of your pregnancy and feeling fine — until you begin feeling extremely nauseous a week before you're supposed to fly to New York on business. Your doctor diagnoses you with hyperemesis gravidarum, a severe and serious form of morning sickness, and you end up in the hospital on the day of your scheduled flight. Can travel insurance reimburse you for the canceled trip?

Yes. Travel insurance from Allianz Global Assistance can cover losses resulting from unforeseen pregnancy complications, such as pre-eclampsia, gestational diabetes or hyperemesis gravidarum. That means your travel insurance may reimburse you for nonrefundable trip costs lost if you must cancel or interrupt your trip because of pregnancy complications. The illness, injury, or medical condition you’re experiencing must be disabling enough to make a reasonable person cancel their trip, and a doctor must advise you to cancel it. For example, normal morning sickness would not be a covered reason for trip cancellation. When you’re filing a claim for trip cancellation/interruption related to a pregnancy complication, you’ll need documentation from your physician.

All travel insurance plans from Allianz Global Assistance include access to 24-Hour Emergency Assistance . If you experience a medical emergency while traveling, or any other problem, contact our hotline via phone or the TravelSmart TM app for rapid assistance. If your plan includes emergency medical benefits, your insurance may reimburse you for the cost of emergency medical care that you received for covered pregnancy complications while traveling.

Please note that travel insurance does not cover the chance that a complication might occur. For example, if you delivered prematurely with your first two pregnancies, your doctor might advise you to cancel the trip to Paris you planned for the sixth month of your third pregnancy. However, this is still considered a normal pregnancy because no complication has been diagnosed. Travel insurance would not cover the trip cancellation.

Surprise Pregnancy and Trip Cancellation

You and your spouse are planning a week-long European river cruise to celebrate your third anniversary. Tickets are hard to come by, so you book your trip a year in advance. You schedule the flights and purchase your travel insurance — and two months later, you discover you're pregnant. Will travel insurance cover your trip cancellation?

On some plans, Allianz Global Assistance lists pregnancy as a covered reason for trip cancellation if you find out you are pregnant after purchasing your policy. For your trip cancellation to be covered, you must provide medical records to verify the pregnancy occurred after that date. Please see your policy documents for your plan’s specific coverage. And if you’re planning a trip now, don’t wait to buy travel insurance! Get a quote today.

Late-Term Pregnancy and Trip Cancellation 

You decide to plan a babymoon getaway so you and your sweetie can enjoy some time together before the baby arrives. You book your plane tickets and a bed-and-breakfast on the beach. You're feeling fine and getting excited. Then your doctor advises you, as a precaution, not to travel in the eighth month of pregnancy. Will travel insurance cover this pregnancy-related trip cancellation?

No. In this scenario, there are no medical complications with your pregnancy, so the cancellation will not be covered. Please understand that Allianz Global Assistance is not disagreeing with your doctor's recommendation not to travel — you should do what's best for you and your baby's health. However, most travel insurance plans from Allianz Global Assistance do not include normal pregnancy as a covered reason for trip cancellation (except as described above.)

Airline Rules for Flying While Pregnant

You're flying to Los Angeles to see your sister one last time before the baby's born. But when you get to the gate, the airline won't let you on board because you're too close to your due date. Will your travel insurance plan reimburse you for the missed flight?

No. Being refused service by a carrier because of normal pregnancy is not a covered reason for trip cancellation. Cruise ships and airlines have very specific rules about travel while pregnant. Here are selected airline pregnancy policies, but you should also call your travel supplier to check before you book your trip. Please note that this information is subject to change.

• American Airlines: A medical certificate is required to fly within four weeks of your delivery date in a normal, uncomplicated pregnancy. Travel is not permitted within seven days of your due date on domestic flights under five hours, or within four weeks of your due date on international flights, unless you get a medical certificate and clearance from a Special Assistance Coordinator. 1
• Delta: Delta does not impose restrictions on flying for pregnant women. However, ticket change fees and penalties cannot be waived for pregnancy. 2
• JetBlue: Pregnant passengers expecting to deliver within seven days are prohibited from travel, unless they provide a doctor's certificate dated no more than 72 hours prior to departure stating that the passenger is physically fit for air travel and that the estimated date of delivery is after the date of the last flight. 3
• Southwest: Southwest has no pregnancy prohibitions, but recommends against air travel beginning at the 38th week of pregnancy. 4
• United: To fly in or after your 36 th week of pregnancy, you must provide the original and two copies of an obstetrician’s certificate, dated within three days (72 hours) prior to your flight departure, that says you’re fit to fly. 5

Travel Insurance and Childbirth

You're enjoying your babymoon vacation in Cozumel when suddenly you feel the first twinge of labor. Twelve hours later, you're the proud mother of a baby girl. Will travel insurance cover the cost of labor and delivery?

No. Normal childbirth is not covered by travel insurance from Allianz Global Assistance. However, if complications arise in delivery, the costs of emergency medical care may be covered. Also, attending the childbirth of a family member can be a covered reason for trip cancellation, depending on your plan.

While travel insurance from Allianz Global Assistance can't cover every possible pregnancy scenario, we want to do our best to help! Our Assistance team is available 24 hours a day to provide expert advice and aid.

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Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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Pregnancy travel insurance - here's what to know before you book

--> BY Jessica Humphries

Last updated . 20 December 2023

Relish the excitement of your travel plans with your blossoming baby bump by securing the right cover.

Enjoying a journey with a little one on the way? The thrill of travel is irresistible, but let’s face it – the logistics can pile up faster than you can say ‘jetlag’, and Mama – you’ve got enough on your plate. If your adventurous side still calls, despite having a baby on board, navigating the realm of travel insurance  becomes a whole new adventure. Fear not, we’ve got everything you need to know about travel insurance when you’re pregnant right here.

Key things to consider before buying coverage

When you’re planning your trip with a baby on board, there are some things you’ll need to consider straight-up.

How far along are you?

We know you’ve heard the question a million times, but here’s where it really counts. When it comes to pregnancy and travel insurance, most insurers graciously cover single, uncomplicated pregnancies following natural conception. However, there’s a catch – the coverage window varies.

The best time to travel is within your second trimester.

Some providers extend their umbrella up to 30 weeks, while others gently fold it at 23 to 26 weeks pregnant. Most importantly, remember – the stork won’t deliver coverage for birth-related costs or newborn expenses. So, if you can, keep your window wide and travel within the sweet spot (more on that later).

Is pregnancy considered a ‘pre-existing medical condition’?

Thankfully, pregnancy isn’t generally considered a pre-existing medical condition  when you’re obtaining travel insurance. If you’re under 26 weeks (at the time of travel) with just one bub on board, you may not need to declare it at all. However, honesty is key, especially if you’re dealing with a more complex pregnancy. Disclose the details to your insurer to make sure you’re covered.

Be prepared with pregnancy travel insurance for your safety.

What to look for in a pregnancy travel insurance policy

It’s time to dig into the details. Here’s what you’ll need to keep an eye out for in your travel insurance to make sure you and your bump have a smooth ride.

Travelling while pregnant can be a fulfilling experience. (Image: Josh Bean)

The benefits buffet

Navigating pregnancy with travel insurance is like entering an extensive buffet – enticing, filled with numerous options, and just a tad overwhelming. Yet, the crucial factor lies in the details. Delve into the fine print to ensure you grasp the details of the nitty gritty.

Tick off the benefits of your pregnancy coverage.

If you identify any gaps, ask your insurer about tailored policy add-ons for a personalised experience. Alternatively, explore other options that cater specifically to your unique pregnancy needs.

• Make sure your policy covers (on top of standard travel insurance staples):
• Unforeseen pregnancy challenges.
• Emergency medical coverage abroad: including expenses for unexpected illnesses, complications, or severe injuries related to your pregnancy.
• Trip cancellation protection.
• Around-the-clock travel assistance.

Make sure that your policy covers unexpected pregnancy challenges.

Cancellation considerations

If there’s ever a time when last-minute travel plans can swiftly change, it’s during pregnancy. Your pregnancy might even be a time when you consider locking in your coverage before finalising your booking. Locking in coverage ensures that in the event of unexpected pregnancy complications leading to a trip cancellation, you’re covered – no strings attached.

Consider last-minute travel changes especially when you’re travelling with a child.

Find out what’s excluded

Navigate the exclusion territory carefully. Be aware that certain conditions, like conception through IVF, expecting multiples, or planning travel after the approved gestational weeks, may lead to limited or no coverage.

Common exclusions:

• Conception through assisted reproduction (IVF).
• Seeking reimbursement for childbirth or newborn healthcare expenses if you give birth on your trip.
• Travelling against medical advice from your doctor.
• Expecting twins (or more!).
• Planning travel beyond the approved weeks according to your provider.
• Dealing with pregnancy complications (previous miscarriages or premature labour, gestational diabetes etc.) – disclose them to avoid issues.
• Routine pregnancy check-ups abroad.

Remember, some exclusions can be lifted with premium payments or a medical assessment.

Trimester travel tactics: A travel roadmap for every stage

When planning your travels, take your pregnancy stage into account for a seamlessly enjoyable journey tailored to each trimester.

First-trimester trail

The first 12 weeks are the opening act of your pregnancy journey. While generally safe for travel, be aware that morning sickness might steal the show. Consider scheduling your adventures post-week 12 to dodge any queasy interludes.

You may experience morning sickness during your first trimester.

Second-trimester bliss

The perfect time for a babymoon, your second trimester offers you a golden ticket to travel bliss, sans complications. Chat to your doctor, pack your bags, and make the most of this worry-free window.

Always check with your doctor for any pregnancy reminders before travelling. (Image: Lucas Favre)

Third-trimester reality check

Some airlines may give side-eye glances if you’re deep into the third trimester, and many travel insurance providers will cap their coverage around the 26-week mark. If leisure is the plan, think twice before boarding that flight.

It’s best to travel with a companion.

As you embark on this exciting journey with a baby on board, remember that a well-informed approach to travel insurance during pregnancy is your ticket to peace of mind. From navigating coverage windows to crafting your personalised pregnancy passport and considering trimester-specific tactics, your wanderlust need not be put on hold. Embrace the adventure, plan wisely, and savour every moment of this unique chapter in your globetrotting story. Safe travels, mama!

Travelling during pregnancy can be your first milestone as a family.

For more tips and advice, read our travel insurance hub  to help you navigate the ins and outs of what to do before you head overseas.

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Travel Insurance and Pregnancy: What to Know

Travel insurance policies generally exclude normal pregnancy-related expenses but can cover you for unforeseen medical issues..

Christy Rakoczy has been a personal finance and insurance writer for over a decade. Her work has been published on USA Today, MSN, Yahoo Finance, Credit Karma, Forbes Advisor, and more. Christy has a JD from UCLA School of Law and previously worked as a data analyst for Blue Cross and as a paralegal studies instructor before transitioning to writing full time.

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15+ years in content creation

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Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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Updated September 19, 2023

Table of contents

• Travel insurance
• What’s covered
• What’s excluded
• Getting insurance
• Airline restrictions

Regular prenatal care is crucial to a healthy pregnancy. Unfortunately, if you’re traveling while pregnant, your regular health insurer may not cover you if you’re out of state or out of the country. That’s because many insurers provide coverage only within their local networks, which often include health providers only near where you live. [1]

Travel insurance can provide some coverage if you’re traveling while pregnant, but the protections available may be more limited than you think.

Here are some types of travel insurance you can consider if you’re going away while expecting.

What is travel insurance for pregnancy?

Travel insurance protects against losses you experience when things don’t go as planned. This includes events that happen before or during a scheduled vacation. Some types of travel insurance you could purchase include:

Trip cancellation insurance: Trip cancellation insurance will reimburse you for non-refundable expenses if you can’t take your vacation for a covered reason.

Trip interruption insurance: Trip interruption insurance provides reimbursement for the unused portion of your vacation if you must cut the trip short for a covered reason.

Travel medical insurance or medical benefits coverage: Travel medical insurance provides short-term medical coverage, so your healthcare bills will be paid if you unexpectedly require medical care while on a trip.

Emergency medical evacuation insurance: This insurance pays for the costs if you must be evacuated from your location to an adequate medical facility.

Each of these types of coverage could be useful if you’re traveling while pregnant, as your condition could leave you unable to depart on a trip or continue the trip. However, it’s important to understand the limitations of the travel policy you’re buying before purchasing coverage.

While many travel insurance companies reimburse for medical expenses related to emergency complications associated with pregnancy, normal pregnancies wouldn’t usually be viewed as a reason to cancel or interrupt your trip, nor would routine prenatal care generally be paid for by travel medical insurance.

What does travel insurance cover when you’re pregnant?

Travel insurance doesn’t cover every potential medical need or every potential reason for cancellation or interruption of a trip. Compensated losses must occur for a covered reason. However, travel insurance does provide coverage for certain pregnancy-related issues.

While the specifics vary by policy, you can expect most travel insurance policies to cover the following:

Trip cancellation, interruption, or medical needs due to unexpected illnesses or accidents not related to your pregnancy

Emergency medical care due to complications of pregnancy, including hospitalization, ambulances, or medical evacuation if necessary

Trip cancellation or interruption due to complications of pregnancy [2]

Unforeseen complications of pregnancy that are often covered by travel insurers include:

Ectopic pregnancy

Miscarriage

Pre-eclampsia

Hyperemesis gravidarum

Other complications of similar severity that are considered a medical emergency

Some insurers provide coverage for pregnancy-related complications only during specific times during your pregnancy. [3] And many insurers don’t specifically list the complications that would be covered but instead make the decision on a case-by-case basis.

What does travel insurance exclude for pregnant travelers?

Travel insurance plans aren’t meant to pay for routine medical care associated with normal pregnancy. Most policies won’t cover:

Medical costs associated with normal labor or childbirth

Routine pregnancy symptoms, such as morning sickness

Trip cancellation due to an airline carrier rejecting you because you’re traveling outside of its normal guidelines

False labor

Required bedrest

Pre-existing medical conditions that are exacerbated by pregnancy

Routine prenatal care

Travel insurance policies generally won’t reimburse you for a canceled or interrupted trip if your doctor simply advises you not to travel due to your pregnancy, unless there’s a specific unexpected medical condition or complication.

You also won’t be covered if you travel against the advice of your doctor or if you were medically unable to travel at the time you booked the trip.

How to buy travel insurance when you’re pregnant

You should purchase travel coverage as soon as you book your trip when pregnant due to the increased risk of a covered complication. If you don’t buy coverage right away, make sure to purchase it at least 15 days prior to your trip to avoid added costs.

Remember, travel insurance excludes pre-existing conditions, so it’s a good idea to purchase a policy immediately because any complications that arise before you purchase a policy wouldn’t be covered. [4]

You should shop around for a policy carefully and read the fine print to understand what types of medical treatment and pregnancy-related complications would be covered. If you want to be able to cancel your trip due to routine issues associated with pregnancy or due to a potential future pregnancy, you should consider purchasing “cancel for any reason” (CFAR) coverage.

How much travel insurance costs for pregnant travelers

Travel insurance typically costs 4% to 10% of your total prepaid non-refundable trip cost. If insurers view your pregnancy as adding risk, you can expect to pay more for coverage. Pregnant travelers may also pay more for travel insurance when buying add-ons, such as CFAR coverage.

What to know about airline restrictions when pregnant

If you’ll be flying while pregnant, it’s important to know that some airlines restrict travel for people who are expecting. If you can’t fly due to airline policy, travel insurance generally won’t cover the costs of your canceled trip.

Here are some airlines’ rules for when pregnant people are allowed to travel.

Travel insurance pregnancy FAQs

If you’re planning to travel during a pregnancy, this additional information may help as you research your travel insurance options.

What pregnancy issues does travel insurance not cover?

Travel insurance doesn’t cover routine pregnancy-related symptoms. You also won’t be reimbursed through trip cancellation coverage if you decide to cancel your trip because you become pregnant, if your doctor says you can’t fly, or if you’re refused access to a flight or accommodations because of their policies on pregnancy-related travel.

Will travel insurance pay for cancellation if a doctor orders bed rest?

Travel insurance typically won’t pay for a cancellation simply because a doctor orders bed rest. You may be able to get reimbursed through trip cancellation coverage if you must go on bed rest due to a specific unexpected complication of pregnancy covered by your insurer. If you have “cancel for any reason” coverage, this will also provide partial reimbursement if you must cancel your trip because you’re put on bed rest.

Will travel insurance pay for false labor?

Travel insurance generally doesn’t pay for false labor. A travel insurance policy generally won’t cover any normal symptoms of pregnancy. You would receive coverage for medical care only if you had medical coverage and experienced an emergency related to your pregnancy, such as developing pre-eclampsia or experiencing another severe unexpected complication.

Do you need to disclose your pregnancy to your travel insurance company?

You generally don’t need to disclose your pregnancy to your travel insurance company, although the rules can vary by insurer. You won’t receive coverage for any routine pregnancy symptoms, for normal prenatal care, or for normal childbirth.

Is travel insurance worth it for pregnant people?

Purchasing travel insurance can be an important step in making sure you’re prepared for unexpected events if you’re traveling while pregnant, according to the Centers for Disease Control and Prevention. [5] Pregnant women are also advised to ensure travel insurance covers pregnancy-related expenses by the U.S. State Department. [6]

However, it’s important to understand the limitations of coverage, as most travel insurance policies don’t cover routine pregnancy-related expenses and will pay only for complications.

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On This Page

• Key takeaways

Coverages to look for when buying pregnancy travel insurance

Which pregnancy complications does travel insurance cover, what pregnancy issues are not covered by travel insurance, airline rules for flying while pregnant, what if i get pregnant after buying travel insurance, things to consider when traveling while pregnant, pregnancy travel insurance faq.

• Recommended articles

Related topics

Guide to Traveling While Pregnant: Pregnancy Travel Insurance

• Pregnant travelers are at a higher risk of illness and injury. Therefore, it’s a good idea to opt for travel insurance.
• According to Johns Hopkins , it is generally advised not to travel after 36 weeks of pregnancy for domestic trips, and after the 28th week of pregnancy for international travel.
• According to the CDC , cruises may not allow you to travel after 24–28 weeks of pregnancy, and you may need to have a note from your doctor stating you are fit to travel.
• Many pregnancy-specific scenarios may not be covered by travel insurance, such as routine prenatal care, the cost of childbirth, false labor, and bed rest.
• Non-pregnancy-related illnesses, medical emergencies, accidents, and injuries will typically be covered as part of your travel insurance plan.
• CFAR insurance is the best type of insurance for pregnant travelers as it allows you to cancel your trip for any reason and still be reimbursed.
• If you get pregnant after buying travel insurance, review your policy’s terms and conditions and contact your provider to answer any questions you have.
• To help you find the best travel insurance for your trip, try using an online comparison tool . This way you can get multiple quotes and compare your options easily in one place.

Our top picks for the best pregnancy travel insurance

• Seven Corners: Best Overall
• Generali Global Assistance: Best for Trips Within North America
• Tin Leg: Best for "A Bit of Everything"

Our top picks for pregnancy travel insurance

Seven corners, generali global assistance.

When shopping for pregnancy travel insurance, there are several details to keep in mind. First, you should know that travel insurance coverage and included benefits vary from plan to plan, and that coverage limits also vary by provider.

Pregnant women should ensure they have some basic travel insurance benefits in place such as health coverage and travel cancellation benefits. This will help ensure they get proper care if pregnancy complications arise during a trip, or if they feel unwell and require a medical assessment.

Here’s a rundown of the main types of pregnancy coverage to look for in travel insurance that covers pregnancy:

Emergency medical insurance

All travelers should make sure they have a travel insurance policy with adequate limits for emergency medical expenses, but this is especially true for pregnant people. That’s because pregnant travelers are at a higher risk for injury or illness that requires hospitalization.

Many medical travel insurance plans will typically cover complications that arise mid-pregnancy during a trip, including ectopic pregnancy, miscarriage, preeclampsia, and more. Since nearly anything could go wrong and medical care tends to be expensive, pregnant people should look for travel insurance cover that has high limits for emergency medical treatment.

Emergency medical evacuation coverage

Having pregnancy travel insurance with excellent medical evacuation coverage is also crucial, or at least it can be for pregnant women who may need to be evacuated home to give birth. Medical evacuation coverage can pay for ambulance rides as well as helicopter transport to the nearest medical facility, or even plane transportation back to your home country if deemed medically necessary.

Trip cancellation insurance

Many travel insurance providers will reimburse you for all or a portion of your nonrefundable trip costs if you have trip cancellation coverage . If you already knew you were pregnant before purchasing insurance then this is usually not a valid reason for cancelling your trip. However, pregnancy may be a valid reason if you find out after you’ve booked, for example, a Christmas trip to Mexico and paid for an insurance policy .

Surprise pregnancy and trip cancellation

Imagine you are planning a week-long hiking trip through Costa Rica or a crusie around the Bahamas and you decide to book plane tickets and your hotel stay almost one year out. As the trip gets closer, however, you find out you’re pregnant and decide you shouldn’t be hiking the jungle during mid-pregnancy, which is where the dates of your trip happen to fall.

While this isn’t always the case, some trip cancellation policies list pregnancy as a covered reason where coverage can apply . Make sure to read over your policy documents, including the fine print, so you know whether you have coverage for surprise pregnancy and trip cancellation that results. Alternatively, you may want to opt for year-long travel coverage .

Late-term pregnancy and trip cancellation

If you’re worried about being able to cancel a trip and get some of your non-refundable travel expenses back based on recommendations not to travel that come from a healthcare provider, you may want to purchase “cancel for any reason” or CFAR travel insurance that lets you call off your trip for any reason and receive 50% to 80% of your prepaid trip cost back.

Now imagine you planned a trip to Mexico or France during pregnancy on purpose, but your healthcare provider becomes worried about blood clots and advises you not to travel. In this case, there are no active medical conditions preventing you from travel, so your plan may not provide coverage at all.

Trip interruption insurance

Trip interruption coverage can kick in to provide financial support when your trip is interrupted for reasons beyond your control. In the case of a pregnant person traveling, this coverage could prove crucial if a pregnancy-related complication occurs while traveling.

Insurance for lost or delayed baggage

Pregnant travelers should also make sure they have coverage for lost or delayed baggage just like any other traveler. This kind of insurance can help replace luggage that’s lost by a common carrier, as well as personal belongings up to plan limits. Baggage delay insurance can also pay for incidental expenses that pop up when bags are delayed for a certain length of time (usually 6 to 12 hours) depending on the plan. For example, if your baggage is held up for an extended period on your trip to Japan , you can be reimbursed for maternity clothing and toiletries needed during that time.

Trip delay coverage

Trip delay coverage can pay for incidental expenses that result when a trip is delayed for reasons beyond the traveler’s control, including meals, hotel stays, and more.

Examples of unexpected and unforeseeable medical complications related to pregnancy that could potentially be covered include:

• Pre-eclampsia : a condition that causes high blood pressure and damage to organs.
• Gestational diabetes : diabetes that develops during pregnancy.
• Hyperemesis gravidarum : severe and persistent vomiting during pregnancy that can lead to dehydration and weight loss.

For a traveler to be covered for pregnancy and complications that result from pregnancy, the details must be specifically listed in the policy they buy. This means you’ll need to read over the pregnancy travel insurance plans you’re considering from front to back to know what’s included for sure.

It’s important to note that some travel insurance policies may have exclusions or limitations related to pre-existing conditions or complications, so it’s always a good idea to review your policy carefully and contact your insurance provider if you have any questions or concerns.

Because travel insurance is meant to cover emergencies and not regular healthcare , many scenarios and pregnancy issues are not covered by this kind of insurance at all.

Childbirth without complications is not covered through travel insurance. The only scenario where childbirth could be covered is if the mother winds up with complications that arise during delivery. In that case, emergency medical expenses could be covered by a plan.

Disinclination to travel

Disinclination to travel due to pregnancy may or may not be covered by travel insurance. This depends on the details listed in the policy and whether pregnancy is considered a “covered reason” not to travel.

False labor

False labor is not typically covered through travel insurance , although complications that result from false labor could be.

Physician-prescribed bed rest

If a physician prescribes bed rest during a trip, this is not covered through a traditional travel insurance plan. However, emergency medical evacuation coverage could apply if evacuation to your home country is deemed medically necessary.

Routine prenatal care

Also note that typical prenatal care is not covered by travel insurance . This includes general medical care you might receive if you wind up experiencing morning sickness or spotting, as well as check-ups.

We already mentioned how commercial air carriers have their own rules regarding pregnant travelers.

However, you should know that most of their policies set limits on pregnant travel during the third trimester only, which wouldn’t impact travelers who are in their first trimester or taking a trip during their 24th week.

Here are some airline policies for pregnancy from several major air carriers:

• American Airlines : American Airlines allows pregnant women to travel during their third trimester, although those who plan to travel within four weeks of their due date must provide a doctor’s certificate that shows they are fit to travel.
• Delta Air Lines : Delta Air Lines does not impose any travel restrictions on pregnant travelers, nor do they require a doctor’s note or certificate.
• Southwest Airlines : Southwest Airlines does not impose any specific conditions or restrictions for pregnant people who want to fly, but they advise against flying after the 38th week of pregnancy. The airline also recommends consulting a physician before flying.
• United Airlines : United Airlines requires a physician’s certificate, including an original and two copies, for pregnant travelers who want to fly after their 36th week of pregnancy. The certificate must also be dated within 72 hours of the planned departure time for the flight.
• JetBlue : JetBlue does not allow travelers to fly within seven days of their due date without a physician’s note saying they are fit to travel. The note must be dated within 72 hours of the planned departure time for the flight.

If you become pregnant after purchasing a travel insurance policy, you should review your policy’s terms and conditions to determine what coverage you may have . It’s important to review your policy carefully and contact your travel insurance provider as soon as possible if you have any questions or concerns about your coverage. They can help you understand your policy’s coverage and options, and may be able to provide assistance.

Getting pregnant after you buy travel insurance is very common, especially since many people book airfare and hotels up to one year out.

If you are planning a trip but believe you might become pregnant before the travel date, it’s smart to keep that in mind as you figure out the exact dates for your vacation.

If you’re planning on traveling while pregnant, you should consider the following as you plan your vacation.

General risks

According to Johns Hopkins , it is generally advised not to travel after 36 weeks of pregnancy for domestic trips, and after the 28th week of pregnancy for international travel. The CDC also advises against traveling while pregnant to countries that require pre-travel vaccination. The  American College of Obstetricians and Gynecologists notes that most common pregnancy emergencies usually happen in the first and third trimesters

If you have a history of any of the following conditions or complications, it may also be best to wait until after childbirth to travel:

• History of miscarriage, ectopic pregnancy, premature labor, or current placental abnormalities
• Incompetent cervix
• Multiple fetuses in current pregnancy or history of multiple pregnancies
• History of toxemia, high blood pressure, or diabetes during pregnancy
• History of infertility or trouble getting pregnant
• Pregnancy for the first time beyond the age of 35
• Heart problems
• History of blood clots
• Severe anemia

Destination-specific travel risks

You may also be advised against traveling to destinations with specific risks, and you should do some research of what potential risks are before you book a trip.

For example, you may not want to travel while pregnant to:

• Destinations at a high altitude
• Places that have outbreaks of life-threatening food- or insect-borne infections
• Destinations where malaria or Zika virus are common
• Destinations where you’re recommended to have a live virus vaccine before travel
• Destinations where medical care for pregnancy or delivery may be inadequate
• Places with high levels of COVID-19*

*If planning to travel to a location with high levels of COVID-19, ensure you opt for a travel insurance plan that covers COVID as any other illness.

Best types of travel for pregnancy

Consider which types of travel may actually be enjoyable while you’re pregnant, and whether you’re better off just staying home and planning a future trip instead. Where a relaxing beach vacation could be excellent for pregnant mothers, high-stress trips or travel with lots of physical activity, such as a trip to celebrate Carnival in Brazil , may not be worth it.

According to the American College of Obstetricians and Gynecologists (ACOG), the best time to travel is mid-pregnancy (14 to 28 weeks). The ACOG always recommends speaking with your healthcare professional about travel during pregnancy and keeping your comfort and safety in mind as you make travel plans.

Flying while pregnant

The ACOG says that occasional air travel during a normal pregnancy not considered high-risk is typically safe. However, the organization says you should avoid flying if “you have a medical or pregnancy condition that may be made worse by flying or could require emergency medical care.”

To make air travel as comfortable as possible, the ACOG recommends the following:

• Book an aisle seat whenever possible.
• Avoid drinking carbonated drinks during your flight and drink bottled water instead.
• Wear your seatbelt on the plane to protect yourself and your unborn baby.
• Get up and walk around a few times during your flight.

Buying cancel for any reason (CFAR) coverage

CFAR insurance is the best type of insurance to get when you are pregnant. Purchasing “cancel for any reason” coverage from your insurance company can provide considerable peace of mind as it lets you cancel your trip for any reason at all and get part (usually 50% to 80%) of your pre-paid trip cost back. It’s typically sold as an add-on, so you can get medical coverage as well.

It’s also important to note that this coverage can reimburse you regardless of whether you have a pregnancy complication. So, you can use it to cancel your trip and get reimbursement even if you just decide to stay home. However, this is the most expensive type of travel insurance. Therefore, additional premiums will apply if you want to add CFAR coverage to your travel insurance plan.

Do you need to tell travel insurance you are pregnant?

You don’t need to tell your travel insurance company you’re pregnant unless this information is requested when you apply. However, if you have any doubts about coverage for pregnancy, it may be helpful to let your provider know when you book.

Does travel insurance cover cancellation due to pregnancy?

Some plans include pregnancy as a reason for trip cancellation, but many do not. Make sure to read over your policy details so you know for sure. When in doubt, opt for a cancel for any reason travel policy .

Is travel insurance more expensive when pregnant?

Pregnancy travel coverage isn’t necessarily more expensive. You can find affordable travel insurance covering the most common risks of pregnancy. However, pregnant travelers may want to purchase comprehensive coverage with higher limits for emergency medical expenses and medical evacuation. In this case, it would be more expensive than simply having basic coverage.

Does travel insurance cover childbirth?

Travel insurance does not cover the expenses of traditional childbirth. However, some expenses may be covered if complications occur that require medical intervention.

Holly D. Johnson is an award-winning personal finance writer who covers topics like insurance, investing, credit and family finance. As a leading voice in the travel and loyalty space, Johnson has traveled with her family to more than 50 countries over the last decade.

The author has also written extensively on the power of household budgeting, and she even co-authored a book on the topic. Zero Down Your Debt: Reclaim Your Income and Build a Life You’ll Love was originally published in 2017, and it teaches families how to use zero-sum budgeting to reach their financial goals. She is also the co-owner and founder of the family finance and travel website, ClubThrifty.com.

Johnson’s 10+ years of writing have focused on helping families make important financial decisions at each stage of their lives. The author also applies the financial principles she teaches to her own life, and she is currently on track to retire in her late 40’s with her partner. She currently lives in Central Indiana with her husband and children, and she is a regular contributor for Bankrate, CNN, Forbes, U.S. News and World Report Travel and many other notable publications.

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Travel Advice: Important information about cover for Coronavirus. Read more . View the latest travel warnings here .

Here’s how travel insurance works when you’re pregnant

Pregnant and want to travel? If your doc gives you the a-ok, here how your travel insurance covers you, in case of a medical emergency or bump-related travel cancellation.

Planning a babymoon? Or a third trimester trip? Will your travel insurance cover you? Use our guide to answer all your pregnancy-related travel insurance concerns. We’ll look at:

• When it’s safe to travel pregnant
• Airline rules for pregnancy
• Standard travel insurance cover
• Optional extra cover for pregnancy
• What you’re not covered for
• Health risks while travelling pregnant

How many weeks?

Bringing a little explorer into the world? We’re excited for you! And if you’re sneaking in a little exploring of your own before D day, we’re even happier for you! That’s because we believe in the magic travel, and expecting mothers should be no exception.

If you’re thinking of taking a holiday overseas while pregnant, you’re not alone. According to research by  finder.com.au , one in five mums take a holiday in their third trimester. The study found that younger mothers are more likely to make the trip, with almost a quarter of mums under 30 enjoying a getaway while pregnant, compared to 16% of those aged over 40. Unsurprisingly, most mums are looking to stay closer to home that late in their pregnancy, and are about three times as likely to travel domestically rather than overseas. But that doesn’t stop 5% of expecting mums from jetting off overseas, even while heavily pregnant.

The  World Health Organization  (WHO) however, advises against air travel for pregnant women after the 36th week of pregnancy or four weeks before the expected date of childbirth. Since labour can begin at any time during the last few weeks, it is recommended to avoid traveling during this period. Instead, WHO recommends that the safest time for expecting mums to travel is in the second trimester.

Airlines and pregnancy

It’s also important for you to know any airline restrictions placed on pregnant travellers before you book your trip. Airline restrictions around flying while pregnant vary. Another factor is length of the flight itself.

Both Qantas and Virgin Australia for example, allow women without pregnancy complications to travel on flights more than four hours in length up to the end of the 36th week for single pregnancies, and the end of the 32nd week for twins or more.

For flights less than four hours, you can usually travel up to the end of the 40th week in a single pregnancy and the 36th week for a multiple pregnancy.

But both airlines require women travelling after 28 weeks of pregnancy to carry a note from their doctor or midwife confirming their due date and pregnancy details. For Virgin Australia travellers, this letter needs to be dated no more than 10 days before travel.

And if you have complications, you have to travel with a medical clearance form signed by your doctor.

Check out the pregnancy policies of popular airlines departing Australia:

Air Asia ,  Emirates ,  Jetstar ,  Virgin Australia ,  Qantas , Singapore Airlines.

What to expect from Australian travel insurers

Typically, travel insurance offers cover for emergency medical treatment while travelling, and this extends to medical emergencies pregnant women might experience. So if you’re pregnant, and you fall sick, or break a leg, and these events are in no way related to your pregnancy, you’ll be able to claim the hospital trip.

It’s really important to know that cover is provided to you, but not provided for childbirth or the health of a newborn child. When a medical emergency is pregnancy related – let’s say you need help with debilitating nausea – your ability to claim is going to largely depend on 3 questions – your  due date , our  doctor’s approval , and whether or not your emergency relates to  fertility treatment, triplets  and  known complications. 

Travel with Jane looks after expecting mums with two levels of cover. First we’ll look at the benefits offered under our standard cover, and then we’ll explore an optional extra for pregnancy – our Pregnancy Add-on.

What we cover as standard

Travel with Jane offers emergency medical cover for expecting mums up to  26 weeks in the case of a single baby, and 19 weeks in the case twins. That’s 2 weeks more than a lot of the competition.

What you are not covered for

Pregnancy-related costs will not be covered in any of the following circumstances if you have not purchased a  Pregnancy Add-on . (More on that next)

• if you have experienced any pregnancy complications prior to purchasing your policy
• multiple pregnancies arising from services or treatment associated with an assisted reproductive program, including but not limited to in vitro fertilisation;
• a single pregnancy after 26 weeks
• a pregnancy with twins after 19 weeks
• for childbirth at any time
• neonatal care

What we cover in our optional extra Pregnancy Add-on

Get extra cover for more weeks with our  Pregnancy Add-on . We’re really proud of this! An optional extra made specifically for pregnant women.

• Single pregnancy up to and including 32 weeks gestation
• Multiple pregnancy up to and including 23 weeks gestation

If you’re up to 32 weeks pregnant with a single child, or up to 23 weeks with twins when an incident occurs, and you have written certification from a medical practitioner that you are fit to travel up to ten days prior to your departure, your emergency medical costs are covered under our Pregnancy Add-on. The maximum payout under this benefit is is $1 million.

Just to be clear, even with our Pregnancy Add-on, emergency childbirth coverage includes the costs related to your  birth and post-birth medical care. It won’t cover your newborn’s medical costs. The costs that come with looking after a newborn after an emergency birth can vary greatly. If we covered this risk, it pushes up premiums across the board.

Conditions you’re covered for

If you purchase the Pregnancy Add-on, any medical expenses related to specific pregnancy-related complications otherwise excluded by this policy (see: What we don’t cover at all p. 59 of the PDS ) are covered subject to policy limits and exclusion. This includes:

• toxaemia (toxins in the blood);
• gestational diabetes (diabetes arising as a result of pregnancy)
• gestational hypertension (high blood pressure arising as a result of pregnancy)
• pre-eclampsia (where you develop high blood pressure, carry abnormal fluid and have protein in your urine during the second half of pregnancy)
• ectopic pregnancy (a pregnancy that develops outside of the uterus)
• molar pregnancy or hydatidiform mole (a pregnancy in which a tumour develops from the placental tissue
• post-partum haemorrhage (excessive bleeding following childbirth);
• retained placenta membrane (part or all of the placenta is left behind in the uterus after delivery)
• placental abruption (part or all of the placenta separates from the wall of the uterus)
• hyperemesis gravidarum (excessive vomiting as a result of pregnancy);
• placenta praevia (when the placenta is in the lower part of the uterus and covers part or all of the cervix)
• miscarriage
• emergency caesarean section
• a termination needed for medical reasons
• premature birth more than 8 weeks (or 16 weeks if you know you are having more than one baby) before the expected delivery date.

Your pregnancy-related medical costs will not be covered  by Travel with Jane’s Pregnancy Add-on in this situations:

• a single pregnancy after 32 weeks
• a pregnancy with twins after 23 weeks

Main health risks of flying

Deep vein thrombosis, or DVT, is the main health concern for pregnant women on planes.

This is when a blood clot forms in a deep vein of the leg, which can cause complications such as pain, inflammation and swelling. The greater danger with these clots is that they can dislodge and travel through the circulatory system, blocking blood supply to the lungs.

The risk of DVT is higher when pregnant and being immobile for long periods is also a risk factor, so it’s worth keeping in mind for any sort of travel, including long car trips.

To reduce your risk keep well hydrated, make sure you’re well mobilised during the flight and wear compression stockings.

Childbirth overseas

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 an Australian citizen and you give birth overseas, you’ll need to apply for your child’s Australian citizenship and passport before you can return home. For application forms and more information visit the Department of Immigration and Border Protection website.

Vaccinations for pregnant women

As a pregnant woman, you are at risk of serious complications if you contract malaria or viral hepatitis E. Certain standard vaccinations can also be harmful to your baby when you’re pregnant.

We recommend you get in touch with your doc before you travel to ensure you have the right vaccinations for your trip. Nothing is more important than protecting the health of you and your baby.

Check  here to see the list  of vaccines recommended by the Australian Department of Health

Whether it’s a week in the tropics or a local trip reached by car, planning a babymoon is one of the latest trends in pregnancy. But what is a babymoon exactly? It’s a chance for expecting parents to get away, unwind and emotionally prepare for the exciting changes that lie ahead.

Choose the Best Seat If you’re travelling by airplane, try to get a spot on the aisle so you can get up and stretch your legs. The same goes for a car ride -factor in time to stop along the way so you can get out and take a short stroll and toilet break. Take care of your feet and legs, where swelling can really take hold.

Take It Slow A babymoon probably isn’t the time for mountain biking or other strenuous physical activity. Be smart by pacing yourself and building in lots of downtime to nap and read.

Suitable accommodation You’ll want to make sure that wherever you pick, you have access to:

• A large comfy bed with extra pillows
• Healthy menu options
• Quality, hygienic food service setup
• Day spa with staff trained in ante-natal massage and therapies
• A nearby hospital or doctors

A local OB/GYN Try not to worry in advance, but be prepared for any kind of pregnancy complication by obtaining the name and number of a local OB/GYN. You’ll have peace of mind just knowing you can call someone if you have a concern.

Pregnancy travel checklist

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. Check these steps before you jet off.

• Check the airline restrictions for flying while pregnant
• Register with  Smartraveller – let the Australian Government know where you’re going, so they can contact you in an emergency.
• Visit your GP  or OB/GYN– discuss your travel plans and get the relevant vaccinations. You will most likely need a medical certificate confirming you’re fit to travel.
• Research your destination – consider the foods, cultures and climates of the places your visiting. Know what to avoid, particularly while pregnant.
• Pack correctly – pack clothes that take your changing shape into account and keep you comfortable.

Understand your cover

Conditions and exclusions apply to every cover level and optional pack. View our Combined Product Disclosure Statement and Financial Services Guide for full details. Sub-limits apply. Not sure? Our friendly team are here to help. Get in touch

We support women who challenge the gender pay gap

Since Day 1 Travel with Jane has been about levelling the playing field for women in Australia. In 2020, we’re taking the fight global. Stay tuned to learn how you can support the women who tackle the gender divide here and abroad.

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Travel Insurance for Pregnancy: Protecting Your Health and Peace of Mind

Traveling while pregnant? See how much it would cost to protect your trip below.

in under 2 minutes

Josh Lew is a travel journalist and writer based in the midwestern U.S. He has been active for the past decade, covering airlines, international destinations and ecotourism for sites like TravelPulse and TreeHugger. He currently contributes to content writing agency World Words.

Sabrina Lopez is an editor with over six years of experience writing and editing digital content with a particular focus on home services, home products and personal finance. When she is not working on articles to help consumers make informed decisions, Sabrina enjoys creative writing and spending time with her family and their two parrots.

Travel insurance plans have differing policies on pre-existing conditions, and travelers may wonder if policies cover pregnancy. Most insurers cover unexpected complications of pregnancy under standard travel medical insurance plans. It’s vital to understand the details and limitations to protect your health and peace of mind while traveling.

The best travel insurance providers make policies and restrictions clear so that customers understand their coverage and its limitations.

Why Trust MarketWatch Guides

Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

Companies Reviewed

Quotes Collected

Rating Factors

The Importance of Travel Insurance for Pregnancy

Most people do not want to change existing travel plans or forego trips during pregnancy. According to the CDC, pregnant people do not need to cancel travel plans. However, be aware that some airlines and cruise lines may impose cut-offs at 36 weeks or earlier. Planning and thorough preparation are key to traveling safely while pregnant.

Johns Hopkins estimates that 8% of pregnancies have complications , and pregnant travelers have an increased risk of certain complications, including blood clots, digestive problems and severe morning sickness (hyperemesis gravidarum) .

The CDC says getting travel insurance and finding out where to access care in your destination is an essential step for traveling while carrying a baby. This coverage, combined with careful healthcare planning and enrollment in the State Department’s STEP program , can make travel as safe as possible during pregnancy.

If complications arise, you can react quickly and get the medical treatment you need. Even if the trip goes smoothly, the travel medical coverage will provide peace of mind knowing you are covered if something does occur.

Understanding the Benefits and Coverage Options

Pregnant women have several factors to consider when purchasing solo or group travel health insurance . The most important thing to understand is that travel insurance protects against unforeseen problems. If there are no other pre-existing medical conditions and if your obstetrician says you are fit to travel, standard travel insurance will pay for any emergency medical costs up to the coverage limits.

Many trip cancellation policies also list unexpected pregnancy as an acceptable reason for canceling a journey. If you find out about a pregnancy between booking and departure, the insurer will typically reimburse you for nonrefundable trip costs. If you find out about pregnancy before purchasing the policy, you are not eligible for the same cancellation coverage benefit unless you experience unexpected complications.

If you decide to travel while pregnant, coverage will include medical expenses and emergency medical evacuation . This coverage is important because it pays for transport to acceptable facilities if you cannot get the care you need in your location.

Eligibility Criteria and Important Considerations

Pregnant travelers need to make the distinction between unexpected pregnancy emergencies and normal childbirth. If you travel near your due date and go into labor, then the travel insurance provider will not cover hospital costs.

Some conditions related to pregnancy may qualify as pre-existing problems ineligible for regular travel coverage. Examples of such situations include pre-eclampsia and gestational diabetes.

When you purchase travel insurance, you should double-check pregnancy-related eligibility requirements before buying. In many cases, pregnant women are eligible for standard travel insurance coverage.

However, there could be special eligibility requirements.

• Pre-existing conditions, including those related to pregnancy, aren’t covered in standard policies. However, some insurers offer waivers for these ailments. The policyholder pays a higher premium to make up for the additional risk, and the insurer agrees to provide coverage if the conditions require medical attention during the trip.
• Some insurers may have age restrictions and won’t insure older pregnant travelers because of the increased risk of complications.
• High-risk pregnancies, because of pre-existing conditions, medical history or other factors, aren’t eligible for coverage. Insurers will calculate risk on a case-by-case basis.

Pregnant travelers can follow CDC recommendations for pre-trip check-ups and receive documentation to prove there are no complications or concerns before departure.

Choosing the Best Pregnancy Travel Insurance Policy

Several factors are essential when comparing providers before you buy travel medical insurance . First, you need to consider coverage limits. Remember that insurers will cover expenses for unexpected medical emergencies up to the coverage limits. Cheaper travel insurance plans may only offer $10,000 or $25,000 in emergency medical coverage. This amount may not cover complicated treatments or procedures. You should always ensure the insurance coverage limits are enough for the potential medical costs in your chosen destination.

Deductibles are another important consideration. Deductibles are out-of-pocket amounts customers pay before insurance payments start. Some policies have lower premiums but higher deductibles. You should select a plan with manageable deductibles.

Policies, definitions and terms can differ from insurer to insurer. You should look at the fine print, paying attention to any details related to pregnancy, pre-existing conditions and restrictions related to the age or stage of gestation.

The Bottom Line

Travel insurance provides medical coverage for pregnant travelers. Travel insurance covers unexpected complications related to pregnancy, but it does not pay for routine check-ups or natural childbirth.

Use our travel insurance search system to find information about policies so that you can make an informed decision about the best travel insurance policy to cover you during pregnancy, and collect multiple quotes to ensure you get the best coverage.

Frequently Asked Questions about Travel Insurance for Pregnancy

Can i get travel insurance if i am in the third trimester of pregnancy.

Travel insurers may or may not cover travelers during the third trimester. The third trimester begins at 27 weeks, but babies are typically ready for birth at 32 weeks . Many insurers do not cover pregnant travelers past the first month of the third trimester.

Even the few who offer late-term coverage won’t pay for services related to natural childbirth. The traveler will likely pay out of pocket if they are past 32 weeks of pregnancy and go into labor while traveling.

Will pregnancy-related complications be covered by travel insurance?

Travel insurance policies cover unexpected pregnancy-related complications. However, the insurer may exclude pre-existing conditions related to pregnancy. They may also have restrictions based on the age of the mother and trimester.

Can I add my unborn baby to the travel insurance policy?

Insurers will not cover costs associated with natural childbirth. After the child is born, they may or may not be covered based on your policy terms. You may need to purchase an additional policy for the baby or add them to your existing annual or multi-trip insurance after birth.

What if I have a pre-existing condition related to my pregnancy?

Insurers may exclude pre-existing conditions or require policyholders to purchase a waiver before traveling. These rules can extend to conditions caused by pregnancy. You need to ensure you meet the pre-existing condition requirements for your chosen insurer if you want coverage.

Methodology: Our System for Ranking the Best Travel Insurance Companies

Our team surveyed dozens of travel insurance providers and created a scoring system to judge each company’s quality and service. We reached out for sample quotes, both over the phone and on the internet, to simulate an authentic customer experience. Here are the factors that account for our provider reviews:

• Plan availability (20%): We looked for insurers with a variety of plans and the ability to customize the policy with upgrades.
• Coverage (40%): Among the benefits scored were medical expenses, medical and nonmedical evacuation, COVID-19 coverage, preexisting condition exclusion waivers, “cancel for any reason” coverage, trip interruption, travel delay time requirements, baggage delay time requirements, baggage reimbursement and financial default of a travel supplier. Special consideration was given to companies offering unique add-ons, such as extreme sports coverage, coverage for business equipment and pet coverage.
• Customer service and support (30%): We looked for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, a 24/7 emergency hotline, robust mobile apps and perks like concierge and translation services scored higher.
• Reputation (10%): We gauge reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau.

If you have questions about this page, please reach out to our editors at [email protected] .

More Resources:

• Help and Support
• Travel Insurance
• Travel Insurance and Pregnancy

Pregnancy Travel Insurance

Everything you need to know about holiday insurance when pregnant.

If you and bump are planning a trip abroad, add pregnancy holiday insurance to the top of your checklist.

If you’re pregnant and planning a trip abroad, pregnancy travel insurance will no doubt be at the top of your checklist. But before you’ve even booked your holiday, many women will be concerned about whether they can fly, so let’s start there.

Can I fly while pregnant?

Flying while pregnant is a decision for mum and doctor; if your doctor or obstetrician gives you the green light to fly then you can.

According to the Royal College of Obstetricians and Gynaecologists , the safest time for pregnant women to fly is before 37 weeks if carrying one baby, or 32 weeks if carrying twins.

After this stage, there’s a chance you could go into labour, so it’s best to avoid going too far from home.

If you’re still hoping to travel, it's important to speak to your doctor or midwife and check it’s safe. They may advise against it if you have had any complications with your pregnancy.

If you’re over 28 weeks pregnant, the airline may ask to see a letter from your midwife or doctor. Some airlines have their own restrictions in place so it’s best to check their websites before you book.

Covid-19 - what our travel insurance covers

Our travel insurance now covers you for certain events related to Coronavirus (COVID-19), provided you have proof of a positive Covid-19 test and your cover is active at the time of the event.

What we cover

We provide cover for some costs related to Covid-19: please see Section 1 'emergency medical costs and repatriation' and Section 2 'cancelling or cutting short your trip' in your policy book for full details on what's covered.

We'll cover you if:

• you were diagnosed with Covid-19 before your trip was due to start
• a close relative died or became seriously ill as a result of Covid-19 before your trip was due to start
• you weren't allowed to board your pre-booked outbound travel due to symptoms of Covid-19
• an insured person or a close relative died during the trip because of Covid-19
• you couldn't take part in an excursion due to you self-isolating after getting Covid-19

What we don’t cover

You won't be covered if:

• you had reason to believe your trip may be cancelled, postponed or cut short when you booked it, purchased your policy or started your trip
• any government or public authority imposes travel restrictions or quarantine on a community, location, or vessel because of Covid-19 (this includes, but is not limited to, local lockdowns, entry requirements, being denied entry and airspace closures)
• you have to quarantine after arriving in the UK or abroad
• the Foreign Commonwealth & Development Office (FCDO) change their advice to avoid ‘all travel’ or ‘all but essential travel’ to your destination because of Covid-19

For more information about how Coronavirus (COVID-19) affects your travel cover, see our FAQ page . And remember to check the policy booklet carefully before you buy to make sure our cover meets your needs.

What does Pregnancy Travel Insurance cover?

Admiral Pregnancy Travel Insurance covers emergency medical treatment costs and repatriation as standard, up to £20million depending on the level of cover chosen.

We’ll only cover complications of pregnancy and childbirth abroad (as described in the ‘Definitions’ section of our policy wording). This includes treatment needed due to complications resulting from a pregnancy such as an emergency caesarean up until 40 weeks.

There’s no cover for routine medical care such as check-ups, pre-natal care, the costs of natural labour and childbirth after 32 weeks (or 24 weeks in the case of twins or multiples) or post-natal care. There’s also no cover if the carrier denies you boarding.

Three levels of Pregnancy Travel Insurance

Read the full list of benefits in the policy summary booklet .

Not all insurers will cover pregnancy after a certain stage when it’s more likely you could have a normal birth, which isn’t considered a medical emergency.

What stage this is, and the medical care that’s covered, varies from insurer to insurer so check this thoroughly before taking out your travel insurance.

Is pregnancy a medical condition for travel insurance?

Whether you need to declare your pregnancy depends on your insurer’s guidelines. For Admiral Travel Insurance, pregnancy isn’t considered a pre-existing condition , so there's no need to tell us before you travel.

However, make sure you tell us about any medical conditions you have because of your pregnancy, such as:

• Gestational diabetes
• High blood pressure

If you don't tell us, you might not be covered should you need medical assistance.

What happens if I go into labour abroad?

At the early signs of labour, you should try to stay calm and go to the nearest hospital as soon as possible. If it’s a medical emergency, please call us immediately so we can help - +44 (0)292 010 7777.

If you’re planning to have your baby abroad, you’ll need to speak to your doctor in the UK first. You’ll also need to apply for a Maternity S2 to cover the costs of your care because most policies don’t cover planned overseas births.

Be aware lots of airlines won’t allow new-borns on flights until they’re two-weeks-old, or even longer for premature babies. Have a plan in place if you need to stay away longer than expected and ask the airline when you’ll be able to fly home.

What if I have a pre-existing condition?

A pre-existing condition is a short or long term illness or injury you have or have had before you buy travel insurance. This includes having symptoms, tests, diagnosis or medical treatment for a condition.

You can declare your pre-existing conditions during the quote process to see if we can offer cover. If you’re unsure what needs to be declared or if you're unable to find your condition on the medical conditions list, please contact us on 0333 234 9913 .

Your pre-existing conditions won’t be covered unless you’ve:

• Declared them all on your policy
• Received written confirmation that we’ll cover your medical condition
• Paid any additional premium in full

Policy terms and conditions apply. Please note, if you’ve had a positive diagnosis of Covid-19 and been prescribed medication, received treatment, or had a consultation with a doctor or hospital specialist for any medical condition in the past two years, this needs to be declared on your policy.

If you don’t tell us about your pre-existing conditions or give us incorrect information, your policy may be invalid, and we may refuse all or part of any claim you submit.

For a quote with us, click the green button above.

The MoneyHelper directory

If you require cover for more serious medical conditions, MoneyHelper may be able to help you find specialist travel insurance through their medical directory.

If you wish to get in touch with them you can call them on 0800 138 7777 or find them online . (Monday to Friday 8:00-18:00, closed on Saturday, Sunday and bank holidays.)

Things to check before travelling while pregnant

Your questions answered

Do you need special travel insurance when pregnant.

Admiral single trip and annual travel insurances cover pregnancy and you won’t pay more for your cover as it’s not considered a pre-existing medical condition. You’ll get the standard cover for things like:

• Lost luggage
• Travel disruption
• Lost or stolen belongings

But we’ll also cover the costs of any emergency medical treatment you receive as the result of complications during your pregnancy.

Do I have to declare I’m pregnant on travel insurance?

Pregnancy is not considered a pre-existing medical condition so you don’t need to let us know before you fly. You should let us know about any conditions relating to your pregnancy to make sure you’re properly covered.

Can I fly after 32 weeks?

This is up to you and your doctor to decide – if it’s safe for you to do so and your doctor says it’s OK then you can fly. In terms of insurance, with Admiral you’re covered up to 40 weeks, but we strongly advise you get medical permission to fly in later stages of pregnancy. There's no cover for the costs of natural labour and childbirth after 32 weeks, or 24 weeks in the case of twins or multiples

I’ve just found out I’m pregnant and I don’t wish to travel. Am I covered?

No, you'll only be able to claim for cancellation due to pregnancy if your doctor advises against travel due to specific medical complications.

Take a look at our Travel Insurance and Pregnancy page for more information.

Does being pregnant affect my insurance?

Pregnancy isn’t considered a pre-existing medical condition , so there’s no need to tell us before you travel.

However, make sure you tell us about any medical conditions you have because of your pregnancy, such as gestational diabetes or high blood pressure. If you don’t, you might not be covered should you need medical assistance.

We will only cover complications of pregnancy and childbirth abroad (as described in the ‘Definitions’ section of our policy wording) so you aren't covered for routine medical care such as check-ups, pre-natal care, normal childbirth and post-natal care. There is also no cover if the carrier denies you boarding.

Getting the most out of your trip

Going anywhere nice.

Off to one of the destinations below? Take a look at our guides for some hints and tips on what you need to remember.

Travel insurance that suits you

Whether you're travelling solo, with your family, or with a little one on the way, read our guides to make sure our cover is right for you.

Family Travel Insurance

Student travel insurance, travelling while pregnant, travel insurance over 65, travelling with medical conditions, travel insurance upgrades.

Whether you want the adrenaline rush of a skiing holiday, or fancy taking to the seas on a cruise, you'll need to add extra cover to your policy.

Cruise Travel Insurance

Ski travel insurance, gadget travel insurance, adventurous sports insurance, single trip insurance, annual trip insurance.

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• Annual Travel Insurance
• Cruise Travel Insurance
• Family Travel Insurance
• Seniors Travel Insurance
• Ski Travel Insurance
• Budget Direct
• Fast Cover Travel Insurance
• Insure4Less
• InsureandGo
• Simply Travel Insurance
• Ski-Insurance
• Travel Insurance Saver
• Travel Insuranz
• Wise Traveller
• Zoom Travel Insurance
• See more companies...
• Travel Insurance Tips
• Covid-19 Help
• Read Reviews
• Write a Review

Please Note - If you are cruising around Australia you need to select Pacific. With Regions, variances can apply for Bali, Indonesia, Japan and Middle East. You are not required to enter stop-over countries if your stop-over is less than 48 hours.

If you don’t know where you’re traveling to within the next 12 months, choose Worldwide to ensure you’re covered no matter where you go. If you’re travelling to multiple countries choose the region that you are visiting that is furthest away (excluding stopovers less than 48 hours). In most cases you will be covered for the closer regions as well. For example, if you choose Europe, you will also be covered in the Middle East, Asia and Pacific.

Worldwide means anywhere in the world

Americas means USA, Canada, South America, Latin America, Hawaii and the Caribbean

Europe means all European countries, including UK

Middle East refers to the area from Syria to Yemen; Egypt to Iran

Asia generally means Asia and the Indian subcontinent. For some insurers this excludes Japan*

Pacific means the South West Pacific, Australia and Indonesia/Bali*. Select Pacific for domestic cruises in New Zealand waters

New Zealand means domestic travel within New Zealand only

*Note: Variances apply for Bali, Indonesia, Japan and Middle East. Check that your destination is covered once directed to your chosen insurer’s site.

Pregnancy Travel Insurance Guide

Most of us know the importance of purchasing comprehensive travel insurance and the peace of mind it brings. So when it comes to travelling during pregnancy , whether you’re jet setting to an island resort to put your feet up, or heading to a comforting family home abroad, it’s important to get travel insurance that covers you and your unborn baby. The good news is, several Australian companies cover expectant mothers who wish to travel, and we've done the research to make it easy to find cover.

Pregnancy Travel Insurance In Australia

How many weeks pregnant will you be.

Click the 'plus sign' for more detail on the terms of cover for each insurer.

General Advice Warning: The contents of this article were accurate at the time of writing. Insurers change their policies from time to time, so some information may have changed. You should always read the Product Disclosure Statement of your chosen insurer to understand what is covered and what isn't. The information provided is of a general nature only and does not take into account any personal objectives, financial situation or needs. Before making a decision you should consider the appropriateness of the information having regard to your personal circumstances.

Pregnancy Cover Exclusions

It’s important to remember that exclusions apply to most policies. For example, even if you’ve found an insurer that covers your specific circumstances, you probably wouldn't have cover if:

• you travel against doctors advice
• you have complications that exist with the pregnancy and didn't declare them or obtain your insurers' approval for cover
• your trip extends beyond the maximum weeks of pregnancy permitted (expectant mothers can still buy a standard policy after the maximum gestation limit; however they won't be covered for anything related to the pregnancy)
• you went into labour, the childbirth or the health care of a newborn child is often excluded

What Are Pregnancy Complications?

A complication is known as a secondary diagnosis occurring prior to, during the course of, concurrent with, or as a result of pregnancy, which may adversely affect the pregnancy outcome. Each insurer will have different rules, but generally, you will need to declare these conditions. E.g:

• Toxaemia (toxins in the blood)
• Gestational diabetes (diabetes arising as a result of pregnancy)
• Pre-eclampsia
• Hyperemesis gravidarum (excessive vomiting as a result of pregnancy)
• Placenta praevia (when the placenta is in the lower part of the uterus and covers part or all of the cervix)
• and more...

5 Tips For Travelling While Pregnant

While travelling when pregnant is considered safe during your first and second trimesters, it’s still a good idea to do some fact-checking and seek medical advice before you go. Here are some things to consider:

Destination: A remote island might be the ultimate in luxury but in some instances, not the best location for your babymoon. Consider locations with good road access, transport networks and access to medical facilities.

Activities: Depending on your energy levels your pre-baby getaway may be best spent unwinding and relaxing rather than taking part in sightseeing tours and physical activities. Mums-to-be on the adventurous side should be cautious about participating in activities like scuba diving, ice-skating, rock-climbing and amusement park rides. Certain sports and activities may not be covered by your travel insurer either. Speak to your doctor about the recommended activities before you book anything up front.

Local food and drink: A pad Thai from a street vendor might be exactly what you’re craving, but can you guarantee its freshness? Be cautious about food you suspect may not have been kept refrigerated or properly cooked through, and make sure the tap water at your destination is safe to drink as well.

Vaccinations and medication: Are you suffering from heartburn or morning sickness? Make sure you’ve got any necessary medications and vitamins packed in your case rather than relying on local pharmacies. Plan any vaccinations well in advance and make sure they’re suitable for you and bub.

What happens to you when you fly: Swelling and dehydration on a plane is common - especially for those that are expecting. Sitting on a plane for eight-hours can also put you at risk of deep vein thrombosis. Make sure you get some good stretches in every couple of hours (at least), drink heaps of water, wear comfy clothes (with room to move), and wear DVT flight socks! Remember if you’re over 28 weeks you will need a letter from your doctor saying you’re fit to fly.

Why Travel Cover Is Important When Pregnant

Having the right travel insurance for your holiday is always important, but especially so when you’re pregnant. Expecting a child makes you more vulnerable than the average traveller; your body's immunity is lowered and your susceptibility to certain illnesses and infections is heightened. On the off-chance you do need to cancel your trip or require medical care abroad, travel insurance will have you covered provided you have declared any pre-existing illnesses. Travelling while pregnant can be nerve-racking but hugely rewarding if done right. Having the right cover will allow you to put your feet up and enjoy some R&R before life as you know it changes forever.

Remember that benefits and exclusions will vary greatly from insurer to insurer, so it's vital to make sure you read the small print before you head off on your hols.

Pregnancy Travel Insurance Faqs

Is pregnancy covered by travel insurance.

Yes, many travel insurance companies cover pregnancy. Most companies automatically cover you up to a certain gestation (typically between 19 to 32 weeks), provided that your pregnancy is free of complications. Some brands have a pregnancy add-on or medical screening for complicated pregnancies or those further along in gestation. Find out who covers pregnancy and learn more on the conditions of cover for each travel insurer using our table above.

Do I need to tell my insurer that I am pregnant?

Not usually. In most cases, insurers do not consider pregnancy to be a medical condition. If you're travelling during the first stages of your pregnancy, most brands will cover you automatically on a standard policy for single foetus pregnancies less than 20 weeks, provided that there are no medical complications. However, if you suffer from any related medical condition or complication such as high blood pressure, gestational diabetes, or preeclampsia, you should declare this via a medical screening process to ensure that you obtain appropriate cover. Of course, there are some variations to this; some insurers want to know about pregnancy regardless of gestation, so if you're pregnant and planning to travel be sure to understand your insurer's terms around pregnancy and medical conditions.

Is pregnancy considered a medical condition for travel insurance?

Most travel insurers do not consider pregnancy to be a pre-existing medical condition, and you are not required to declare your pregnancy via a screening form unless you have had complications or conceived your child through IVF. However, there are a few providers that consider pregnancy a medical condition, so be sure to read and understand any questions on this carefully. You can compare pregnancy travel cover conditions in our table above.

Does travel insurance cover birth?

Generally, travel insurance will only cover you for unforeseen bodily injury or illness and unexpected pregnancy complications - not your unborn child. Childbirth is not considered to be either unforeseen or an illness or injury. Likewise, routine or regular antenatal checkups are usually excluded. However, there are a few travel insurers that do cover emergency birth provided you're travelling within their gestation limits. Discover who they are in the table above.

Which travel insurers cover pregnant people?

Almost all travel insurers cover pregnant people, either automatically or with a medical screening, provided you are under their gestation limits (how many weeks pregnant you are). You can also review the gestation limits in the table above.

How many weeks pregnant can I be and still find travel insurance?

Most travel insurers will insure pregnant people up to gestations of between 19 and 24 weeks, with a small number of insurers offering cover up to 32 or 33 weeks. You can compare insurers gestation limits in the above table.

Can I get holiday cover if I'm pregnant with twins?

Yes, many travel insurers offer cover if you are pregnant with twins. You will often find that travel cover brands will have lower gestation limits for people pregnant with twins.

Can I get insurance if my baby was conceived through IVF?

Finding travel cover when your little one was conceived through IVF is increasingly common - some insurers do not even require you to declare this as a pre-existing medical condition. Check the holiday insurers' Product Disclosure Statement carefully to understand their conditions for assisted pregnancies.

Which insurers cover pregnancy complications?

If you have experienced complications during your pregnancy, you will be required to complete a medical assessment. This can often be done via a simple online medical screening where the insurer will ask you a few questions in relation to your conditions. Based on your answers, they will assess whether they can cover you, and if there is an increase in the cost of the premium. You can find which insurers have online medical screenings for pre-existing medical conditions here.

Which insurer will cover pregnancies at 36 weeks?

AllClear Travel Insurance is a specialist medical insurer, and they cover pregnant people up to 36 weeks - the latest gestation that we are aware of in the Australian trip cover market. Click to learn more about AllClear Travel Insurance .

Do you need special travel insurance when pregnant?

Generally speaking, you don't need a different kind of travel insurance if pregnant. However, most insurers will have a gestational limit, and will require you to disclose if you have any pre-existing medical conditions, including pregnancy-related complications. Check the table above for each insurers' condition.

Can a one month pregnant woman fly?

Generally speaking, most airlines will let women fly without medical clearance up to around halfway through a pregnancy. After that, most will require medical clearance from your doctor, and will let you fly up to around 30-36 weeks. As to whether you should fly at any stage during your specific pregnancy, contact your healthcare professional.

Eugene Wylde

Eugene is the king of insurance! Having spent more than ten years raising awareness on the importance of holiday protection, he is a self-confessed insurance geek extraordinaire when it comes to the world of travel cover. Eugene loves helping people save time, worry and loads of money with the right policy at the right price. His ideal holiday is any one where he has a pina colada in his hand. Salut!

Travel Insurance Extraordinaire At Your Service

Need some help? Use the search box below to find answers to all those tricky questions. We’ve got heaps of travel insurance tips to help you get the best policy for your upcoming holiday!

Trending Tips And Guides

Guide to travelling when pregnant

Not sure what to pack? Not sure is how late to fly? Not sure whether your travel insurance will cover your little one if it comes a little early? Let's talk about making your way with one on the way.

Pre-existing medical conditions

Having pre-existing medical conditions doesn't mean you can't get cover or that it has to be expensive. It simply means that you need to dig a little deeper when doing your research.

FAMILY travel insurance guide

Most insurance companies offer cover specifically intended for families. Purchasing a family policy is cheaper than purchasing travel insurance for each individual travelling, so it may not be as expensive as you think.

Our Travel Insurance Comparision Helps You

Save time, worry and loads of money.

Stay up to date with our latest news, deals and special offers.

Your privacy is important to us.

Comparetravelinsurance.com.au is Australia’s leading comparison site solely focused on travel insurance.

Our comparison is a free service that allows users to compare quotes in a few simple steps based on limited personal criteria. Comparisons supplied are not a recommendation or opinion about the suitability of a policy for a user. Comparisons are default ranked according to price and users have the ability to sort by popular cover levels. Whilst we compare a vast range of policies, we do not compare all providers in the market. This site compares the following brands: 1Cover, AllClear, Budget Direct, Downunder, Fast Cover Travel Insurance, Insure4Less, InsureandGo, iTrek, Simply Travel Insurance, Ski-Insurance, Travel Insurance Saver, Travel Insuranz, Wise Traveller, Zoom Travel Insurance . The directors and shareholders are common with companies i-Trek Pty Ltd, Zoom Travel Insurance and 1Cover Pty Ltd including it’s subsidiary brand Ski-insurance. CoverDirect takes all reasonable care when preparing this information but does not warrant its accuracy. Pricing information is supplied by the providers who participate on this site and should be verified with the insurer before you purchase. This site links users to the website of the provider to verify quotes and access the relevant PDS to understand what is, and is not, covered by a policy prior to purchase.

CoverDirect Pty Ltd owns and operates this website under AFS Licence 383590.  Located at Level 12, 338 Pitt Street, Sydney, NSW 2000 Australia.

For further information view our FSG and Terms of Use . Contact us by calling 1300 659 411.

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Travel Insurance When Pregnant | Money

If you’re pregnant and have upcoming travel plans, your protection and peace of mind are important. Though there are some exceptions and special considerations, the best travel medical insurance might be a good idea if you’re traveling when pregnant.

Read on to learn about travel insurance options when you’re expecting, what it does and doesn’t cover and suggestions to get the most out of your policy.

Does Travel Insurance cover Pregnancy?

Travel insurance does cover pregnancy, but only under certain circumstances. While the specifics vary by policy, travel insurance can cover emergency medical costs associated with unforeseen complications if you travel while pregnant. If you become pregnant after purchasing insurance and decide to cancel your trip, trip cancellation coverage may reimburse you.

Unexpected pregnancy and trip cancellation insurance

Let’s say you and your spouse are planning a two-week vacation to Japan — a trip at the top of your bucket list. A year in advance, you book the flights and purchase travel insurance, only to find out three weeks later that you’re pregnant. Does travel insurance cover pregnancy in this case?

An unexpected pregnancy after purchasing travel insurance is not an uncommon situation, and it’s one that’s covered by many travel insurance policies. Check with your provider to see if unexpected pregnancy is a covered reason for trip cancellation. If it is, then not wanting to travel when pregnant or having a due date that’s too close to your trip would be considered valid reasons to cancel your travel plans. However, you’ll likely need to provide medical proof that the pregnancy occurred after you purchased your policy.

Pregnancy complications

Imagine that towards the end of your first trimester, just a few days before you’re scheduled to visit France for business, you begin to feel unusually thirsty and fatigued. During a visit to your doctor, you’re diagnosed with gestational diabetes and told that your pregnancy is now high-risk. Can you cancel your trip and get reimbursed?

If you were already pregnant when you purchased travel insurance, cancellation because of normal pregnancy symptoms likely isn’t covered. However, if you experience unforeseen complications before your trip and your doctor advises you not to travel, you can file a trip cancellation insurance claim to have non refundable trip costs reimbursed. Health conditions like gestational diabetes, hyperemesis gravidarum and acute nephritis may be covered.

If you start getting pregnancy-related complications during your trip, your medical expenses can be reimbursed with travel insurance that covers pregnancy, up to policy limits. Dig into the details when choosing your policy, as different travel insurance companies define complications of pregnancy differently. Your plan may also help you recoup travel costs if complications interrupt your trip or end it early.

Pregnancy and Cruises

Don’t try to sneak in that ten-day Caribbean cruise a month before your due date. The major cruise lines all have the same pregnancy policy: guests may not sail beyond 23 weeks of pregnancy. If you enter your 24th week of pregnancy before or at any point during your trip, you won’t be allowed to board.

While a restful cruise with 24/7 food offerings to satisfy any craving may sound like a welcome escape, there’s a good reason why you can’t cruise during your third trimester. Emergency medical care is limited on board and at many ports of call, and the third trimester is a riskier time for both mother and child. In the U.S., fetuses are considered viable at the gestational age of 24 weeks, but a cruise ship’s medical facilities are not equipped to care for a preterm baby.

Though you shouldn’t be out on the high seas and far from medical care towards the end of your pregnancy, you can still sail before 24 weeks. However, many cruise lines will require a doctor’s certificate stating that you are fit to travel and that your pregnancy is not high-risk. Consider looking into the best cruise travel insurance companies to learn more about coverage while pregnant.

Overseas births

If you travel internationally in a late stage of pregnancy and go into labor during your trip, normal childbirth will likely not be covered by your travel insurance policy. This means you’ll need to pay out of pocket for labor and delivery costs, as well as your family’s extended stay in your vacation destination.

However, if you experience complications during delivery, travel insurance may cover the associated emergency medical expenses.

If you give birth overseas, you’ll need to report the birth of your child as soon as possible to the nearest U.S. embassy or consulate. Keep in mind, too, that many airlines don’t allow newborns on flights.

Travel medical coverage

In addition to reimbursing emergency care expenses if you travel during pregnancy, travel medical coverage can help in a lot of other scenarios as well. Most travel insurance plans cover the costs of doctor’s visits, hospitalization, prescription medications, surgeries, emergency services (like ambulance rides and ER visits), lab tests and x-rays if you become ill or injured during your vacation. Reimbursement is up to the specific limits listed in your policy.

However, travel medical insurance won’t cover pre-existing conditions, like cancer, diabetes or asthma, unless you have an exclusion waiver. You’ll only be able to use your travel medical benefits for pre-existing conditions if you get a waiver from your travel insurance company. While pregnancy itself is not considered a pre-existing condition, some pregnancy-related complications may be.

Read up on your specific policy and ask your provider plenty of questions to find out exactly what is (and isn’t) included, the maximum dollar amount that’s covered and whether you need a pre-existing medical condition exclusion waiver.

What Travel Insurance Won’t cover if you’re Pregnant

Unfortunately, travel insurance won’t cover every pregnancy-related cost. If you’re already pregnant when you purchase travel insurance, you won’t be covered for trip cancellation due to normal pregnancy. This means that even if morning sickness has made the thought of vacationing in Cozumel unbearable, it isn’t a covered reason to cancel your trip. If you’re entering late-term pregnancy and your doctor advises you not to travel as a precaution, you won’t be covered for trip cancellation because there aren’t any complications with your pregnancy.

Normal pregnancy care expenses incurred during your trip won’t be covered, even if you have a waiver for pre-existing conditions. This includes the costs of routine office visits and ultrasounds. You can’t recoup expenses associated with uncomplicated childbirth, either, should you go into labor on your trip.

Other pregnancy-related costs that are excluded from coverage include traveling to seek medical advice or treatment, fertility treatments and any trips you take when you’re not approved by your doctor to travel.

Best practices for getting Travel Insurance for Pregnancy

To maximize your protection, keep these best practices in mind as you search for travel insurance when pregnant.

Purchase your policy early

If you’re getting travel insurance, it should be one of the first things you check off on your vacation to-do list. Purchase a plan as early as possible to give yourself the best chance at trip cancellation protection. The best travel insurance companies have plans with benefits for nonrefundable trip costs and unexpected events like delays, loss of luggage and medical emergencies.

If you buy a plan right after booking your tip, you may also be eligible for cancellation upgrades that make travel insurance even more accommodating for pregnant individuals.

Research local medical facilities in your destination country

While you’re looking into some of the best international places to travel , you’ll also want to research local medical facilities. Find out where the closest hospital is to your destination and what its capabilities are should you go into early labor or experience complications during your trip.

If you’re embarking on international travel while pregnant, you might also consider purchasing emergency medical evacuation insurance that will cover you if you need care beyond what’s locally available. This type of insurance can reimburse you for medevac costs if you need to be transported to a more adequate medical facility that’s further away — or even all the way back home.

Check airline restrictions for pregnant travelers

Unfortunately, travel insurance won’t reimburse you for a missed flight if your carrier doesn’t allow you to board. As with cruises, airlines have specific rules about traveling while pregnant, and travel insurance companies consider it your responsibility to research restrictions for pregnant travelers.

Some carriers require a doctor’s certificate to fly during later stages of pregnancy. For example, if you want to board during or after 36 weeks of pregnancy, United Airlines requires you to provide an obstetrician’s certificate stating that you’re cleared to travel, dated within three days of departure.

What’s the best Travel Insurance for Pregnancy?

Cancel for any reason travel insurance (CFAR) may be a great travel insurance option when you’re pregnant. While basic travel insurance policies will only cover trip cancellation under certain circumstances, cancel for any reason insurance allows you to call off your trip for any reason at all and still receive partial reimbursement for nonrefundable trip costs.

This type of travel insurance is a rider that you can add to your basic policy. It will likely increase the cost of your travel insurance by about 50%, but depending on your plan, it can pay up to 75% of nonrefundable trip costs. Typically, you’ll have up to two weeks from when you make your first trip deposit to add a CFAR rider to your plan.

Not all travel insurance plans offer cancel for any reason upgrades, so check with your provider to see if they’re available.

When should you Stop Traveling when Pregnant?

Determining when you should stop traveling when pregnant is a decision you make in partnership with your doctor. The Royal Academy of Obstetricians and Gynaecologists (RCOG) and the International Air Travel Association (IATA) recommend that individuals with normal pregnancies avoid air travel beyond the 37th week. Those with risk factors, such as carrying twins, are recommended to stop traveling after 32 weeks of pregnancy.

Keep in mind that cruise lines and airlines impose their own restrictions on pregnant travelers. Also, buses, trains and planes often have small bathrooms and narrow aisles that can be difficult to navigate while pregnant, and the motion of a cruise ship can worsen morning sickness.

Before you travel internationally, you should also talk with your doctor about immunizations and other safety considerations for yourself and your baby.

Does Travel Insurance cost more when Pregnant?

No, getting basic travel insurance while pregnant won’t cost more than usual. However, add-ons such as CFAR riders can increase the cost of your plan while also providing additional benefits.

Travel Insurance when pregnant can give you peace of mind

Getting travel insurance when pregnant can enhance your vacation experience by alleviating some of your biggest worries. With many policies, you can rest assured that you’re covered if you experience complications during your trip, if you unexpectedly become pregnant after purchasing travel insurance or if your doctor advises you not to travel due to an unforeseen complication. For extra protection, you can also add a cancel for any reason rider to your plan.

With so many different companies and policies out there, be sure to shop around to find a travel insurance plan that best meets your needs. Some of the best travel credit cards also have limited travel insurance benefits, in addition to bonus miles, rental car upgrades and more.

If you’re traveling while pregnant, ask plenty of questions of your insurance provider to help you plan for every situation possible.

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This article originally appeared on Money.com and may contain affiliate links for which Money receives compensation. Opinions expressed in this article are the author's alone, not those of a third-party entity, and have not been reviewed, approved, or otherwise endorsed. Offers may be subject to change without notice. For more information, read Money’s full disclaimer .

What are the best travel medical insurance options while pregnant?

• Are you planning international travels during your pregnancy? It is important to make sure that you have international insurance benefits that include coverage for complications.
• It is also extremely important that you are not traveling against medical advice. Always check with your doctor to make sure you are medically able to travel.
• Also check the Travel Warnings for your destination country. Certain disease outbreaks (Zika, for example) carry a higher risk for pregnant women.
• For those coming to the U.S., at this time, Good Neighbor Insurance does not carry a plan for maternity coverage to cover the birth for a person who is already pregnant.
• All of our long-term insurance plans have a minimum of 10-12 months waiting period for maternity coverage. We cannot recommend a plan for those wanting to have coverage for a U.S. birth.

For U.S. residents

The top two best insurance options

GeoBlue Voyager Choice and Essential Single Trip Travel Insurance

A great plan for U.S. travelers – single trip travel insurance with pre existing medical conditions

For non-U.S. residents

Atlas international travel medical insurance with personal liability option.

Affordable international medical travel insurance with option to add natural disaster evacuation benefit for ages 80+

What is covered? What is considered a “complication” of pregnancy?

• On international travel medical plans that include coverage for complications of pregnancy, a complication will be a condition that puts the life of the mother and/or baby in jeopardy.
• Examples of conditions that are NOT covered would be occasional spotting, false labor, or morning sickness.

If I give birth during my trip, will my delivery and baby be covered?

• Delivery of the baby is only covered if it’s due to an eligible complication (pre-eclampsia for example).
• If the pre-term labor puts the mother or child in danger, then it would be covered.
• Babies born during international travel will not be covered on the mother’s policy.

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11 Best Travel Insurance Companies in May 2024

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

If the past few years have shown us anything, it’s that travelers need to be prepared for the unexpected — from a pandemic to flight troubles to the crowded airport terminals so many of us have encountered.

Whether you’re looking for an international travel insurance plan, emergency medical care or a policy that includes extreme sports, these are the best travel insurance providers to get you covered.

How we found the best travel insurance

We looked at quotes from various companies for a 10-day trip to Mexico in September 2024. The traveler was a 55-year-old woman from Florida who spent $3,000 total on the trip, including airfare.

On average, the price of each company’s most basic coverage plan was $126.53. The costs displayed below do not include optional add-ons, such as Cancel For Any Reason coverage or pre-existing medical condition coverage.

Read our full analysis about the average cost of travel insurance so you can budget better for your next trip.

However, depending on the plan, you may be able to customize at an added cost.

As we continue to evaluate more travel insurance companies and receive fresh market data, this collection of best travel insurance companies is likely to change. See our full methodology for more details.

Best insurance companies

Types of travel insurance

What does travel insurance cover, what’s not covered, how much does it cost, do i need travel insurance, how to choose the best travel insurance policy, what are the top travel destinations in 2024, more resources for travel insurance shoppers, top credit cards with travel insurance, methodology, best travel insurance overall: berkshire hathaway travel protection.

Berkshire Hathaway Travel Protection

• ExactCare Value (basic) plan is among the least expensive we surveyed.
• Speciality plans available for road trips, luxury travel, adventure activities, flights and cruises.
• Company may reimburse claimants faster than average, including possible same-day compensation.
• Multiple "Trip Delay" coverage types might make claims confusing.
• Cheapest plan only includes fixed amounts for its coverage.

Under the direction of chair and CEO Warren Buffett, Berkshire Hathaway Travel Protection has been around since 2014. Its plans provide numerous opportunities for travelers to customize coverage to their needs.

At $135 for our sample trip, the ExactCare Value (basic) plan from Berkshire Hathaway Travel Protection offers protection roughly $10 above the average price.

Want something cheaper? Air travelers looking for inexpensive, less comprehensive protections might opt for a basic AirCare plan that includes fixed amounts for its coverage .

Read our full review of Berkshire Hathaway .

What else makes Berkshire Hathaway Travel Protection great:

Pre-existing medical condition exclusion waivers available at no extra cost.

Plans available for travelers going on a cruise, participating in extreme sports or taking a luxury trip.

ExactCare Value (basic) plan was among the least expensive we surveyed.

Best for emergency medical coverage: Allianz Global Assistance

Annual or single-trip policies are available.

• Multiple types of insurance available.
• All plans include access to a 24/7 assistance hotline.
• More expensive than average.
• CFAR upgrades are not available.
• Rental car protection is only available by adding the One Trip Rental Car protector to your plan or by purchasing a standalone rental car plan.

Allianz Global Assistance is a reputable travel insurance company offering plans for over 25 years. Customers can choose from a variety of single and annual policies to fit their needs. On top of comprehensive coverage, some travelers might opt for the more affordable OneTrip Cancellation Plus, which is geared toward domestic travelers looking for trip protections but don’t need post-departure benefits like emergency medical or baggage lost.

For our test trip, Allianz Global Assistance’s basic coverage cost $149, about $22 above average.

What else makes Allianz Global Assistance great:

Annual and single-trip plans.

Plans are available for international and domestic trips.

Stand-alone and add-on rental car damage product available.

Read our full review of Allianz Global Assistance .

Best for travelers with pre-existing medical conditions: Travel Guard by AIG

Travel Guard by AIG

• Offers last-minute coverage.
• Pre-Existing Medical Conditions Exclusion Waiver available at all plan levels.
• Plan available for business travelers.
• Cancel For Any reason coverage only available for higher-level plans, and only reimburses up to 50% of the trip cost.
• Trip interruption coverage doesn't apply to trips paid for with points and miles.

Travel Guard by AIG offers a variety of plans and coverages to fit travelers’ needs. On top of more standard trip protections like trip cancellation, interruption, baggage and medical coverage, the Cancel For Any Reason upgrade is available on certain Travel Guard plans, which allows you to cancel a trip for any reason and get 50% of your nonrefundable deposit back as long as the trip is canceled at least two days before the scheduled departure date.

At $107 for our sample trip, the Essential plan was below average, saving roughly $20.

What else makes Travel Guard by AIG great:

Three comprehensive plans and a Pack N' Go plan for last-minute travelers who don't need cancellation benefits.

Flight protection, car rental, and medical evacuation coverage, as well as annual plans available.

Pre-existing medical conditions exclusion waiver available on all plan levels, as long as it's purchased within 15 days.

Read our full review of Travel Guard by AIG .

Best for those who pack expensive equipment: Travel Insured International

Travel Insured International

• Higher-level plan include optional add-ons for event tickets and for electronic equipment
• Rental car protection add-on for just $8 per day, even on lower-level plan.
• Many of the customizations are only available on the higher-tier plan.
• Coverage cost comes in above average in our latest analysis.

Travel Insured International offers several customization options. For instance, those going to see a show may want to add on event ticket registration fee protection. Traveling with expensive gear?Consider adding on coverage for electronic equipment for up to $2,000 in coverage.

Be sure to check which policies are available in your state. You will need to input your destination, residence, trip dates and the number of travelers to get a quote and see coverages.

What else makes Travel Insured International great:

Comprehensive plans include medical expense reimbursement accidents, sickness, evacuation and pre-existing conditions, depending on the plan.

Flight plans include coverage for missed and canceled flights and lost or stolen baggage.

Read our full review of Travel Insured International .

Best for adventurous travelers: World Nomads

World Nomads

• Travelers can extend coverage mid-trip.
• The standard plan covers up to $300,000 in emergency evacuation costs.
• Plans automatically cover 200+ adventurous activities.
• No Cancel For Any Reason upgrades are available.
• No pre-existing medical condition waivers are available.

Many travel insurance plans contain exclusions for adventure sports activities. If you plan to ski, bungee jump, windsurf or parasail, this might be a plan to consider.

Note that the Standard plan ($72 for our sample trip), while the most affordable, provides less coverage than other plans. But it can be a good choice for travelers who are satisfied with trip cancellation and interruption coverage of $2,500 or less, do not need rental car damage protection, find the limits to be sufficient and do not need coverage for certain more adventurous activities.

What else makes World Nomads great:

Comprehensive international travel insurance plans.

Coverage available for adventure activities, such as trekking, mountain biking and scuba diving.

Read our full review of World Nomads .

Best for medical coverage: Travelex Insurance Services

Travelex Insurance Services

• Top-tier plan doesn’t break the bank and provides more customization opportunities.
• Offers a plan specifically for domestic travel.
• Sells a post-departure medical coverage plan.
• Fewer customization opportunities on the Basic plan.
• Though perhaps a plus for domestic travelers, keep in mind the Travel America plan only covers domestic trips.

For starters, basic coverage from Travelex Insurance Services came in at $125, almost exactly average for our sample trip.

Travelex’s plans focus heavily on providing protections that are personalized to your travel style and trip type.

While the company does offer comprehensive plans that include medical benefits, you can also choose between cheaper plans that don’t provide cancellation coverage but do offer protections during your travels.

Read our full review of Travelex Insurance Services .

What else makes Travelex Insurance Services great:

Three comprehensive plans available, two of which cover international trips.

Offers a post-departure plan geared exclusively toward disruptions after you leave home.

Two flight insurance plans available.

Best if you have travel credit card coverage: Seven Corners

Seven Corners

• Annual, medical-only and backpacker plans are available.
• Cancel For Any Reason upgrade is available for the cheapest plan.
• Cheapest plan also features a much less costly Interruption for Any Reason add-on.
• Offers only one annual policy option.

Each Seven Corners plan offers several optional add-ons. Among the more unique is a Trip Interruption for Any Reason, which allows you to interrupt a trip 48 hours after the scheduled departure date (for any reason) and receive a refund of up to 75% of your unused nonrefundable deposits.

The basic coverage plan for our trip to Mexico costs $124 — right around the average.

What else makes Seven Corners great:

Comprehensive plans for U.S. residents and foreigners, including travelers visiting the U.S.

Cheap add-ons for rental car damage, sporting equipment rental or trip interruption for any reason.

Read our full review of Seven Corners .

Best for long-term travelers: IMG

• Coverage available for adventure travelers.
• Special medical insurance for ship captains and crew members, international students and missionaries.
• Claim approval can be lengthy.

While some travel insurance companies offer just a handful of plans, with IMG, you’ll really have your pick. Though this requires a bit more research, it allows you to search for coverage that fits your travel needs.

However, travelers will want to be aware that IMG’s iTravelInsured Travel Lite is expensive. Coming in at $149.85, it’s the costliest plan on our list.

Read our full review of IMG .

What else makes IMG great:

More affordable than average.

Many plans to choose from to fit your needs.

Best for travelers with unpredictable work demands: Tin Leg

• In addition Cancel For Any Reason, some plans offer cancel for work reason coverage.
• Adventure sports-specific coverage is available.
• Plans have overlap that can be hard to distinguish.
• Only one plan includes Rental Car Damage coverage available as an add-on.

Tin Leg’s Basic plan came in at $134 for our sample trip, adding about $8 onto the average basic policy cost. Note that you’ll pay a lot more if you shop for the most comprehensive coverage, and there are eight plans to choose from for trips abroad.

The multitude of plans can help you find coverage that fits your needs, but with so many to choose from, deciding can be daunting.

The only real way to figure out your ideal plan is to compare them all, look at the plan details and decide which features and coverage suit you and your travel style best.

Read our full Tin Leg review .

Best for booking travel with points and miles: TravelSafe

• Covers up to $300 redepositing points and miles on eligible canceled award flights.
• Optional add-on protection for business equipment or sports rentals.
• Multi-trip or year-long plans aren’t available.

Selecting your travel insurance plan with TravelSafe is a fairly straightforward process. The company’s website also makes it easy to visualize how optional add-on elements influence the total cost, displaying the final price as soon as you click the coverage.

However, at $136, the Basic plan was among the more expensive for our trip to Mexico.

What else makes TravelSafe great:

Rental car damage coverage add-on is available on both plans.

Cancel For Any Reason coverage available on the TravelSafe Classic plan.

Read our full TravelSafe review .

Best for group travel insurance: HTH Insurance

HTH Travel Insurance

• Covers travelers up to 95 years old.
• Includes direct pay option so members can avoid having to pay up front for services.
• A 24-hour delay is required for baggage delay coverage on the TripProtector Economy plan.
• No waivers for pre-existing conditions on the lower-level plan.

HTH offers single-trip and multitrip medical insurance coverage as well as trip protection plans.

At around $125, the Trip Protector Economy policy is at the average mark for plans we reviewed.

You can choose to insure group trips for educators, crew, religious missionaries and corporate travelers.

What else makes HTH Insurance great:

Medical-only coverage and trip protection coverage.

Lots of options for group travelers.

Read our full review of HTH Insurance .

As you shop for travel insurance, you’ll find many of the same coverage categories across numerous plans.

Trip cancellation

This covers the prepaid costs you make for your trip in cases when you need to cancel for a covered reason. This coverage helps you recoup upfront costs paid for flights and nonrefundable hotel reservations.

Trip interruption

Trip interruption benefits generally involve disruptions after you depart. It helps reimburse costs incurred for flight delays, cancellations and plenty of other covered disruptions you might encounter during your travels.

This coverage can cover the costs for you to return home or reimburse unexpected expenses like an extra hotel stay, meals and ground transportation.

Trip delay coverage helps cover unexpected costs when your trip is delayed. This is another coverage that helps offset the costs of flight trouble or other travel disruptions.

Note that many policies have a total amount a traveler can claim, with caps on per diem benefits, too.

Cancel For Any Reason

Cancel For Any Reason coverage allows you to recoup some of the upfront costs you paid for a trip even if you’re canceling for a reason not otherwise covered by your standard travel insurance policy.

Typically, adding this protection to your plan costs extra.

Baggage delay

This coverage helps cover the costs of essential items you might need when your luggage is delayed. Think toiletries, clothing and other immediate items you might need if your luggage didn’t make it on your flight.

Many travel insurance plans with baggage delay protection will specify how long (six, 12, 24 hours, etc.) your luggage must be delayed before you can make a claim.

Lost baggage

Used for travelers whose luggage is lost or stolen, this helps recoup the lost value of the items in your bag.

You’ll want to make sure you closely follow the correct procedures for your plan. Many plans include a maximum total amount you can claim under this coverage and a per-item cap.

Travel medical insurance

This covers out-of-pocket medical costs when travelers run into an emergency.

Because many travelers’ health insurance plans don’t cover medical care overseas, travel medical insurance can help offset out-of-pocket health care costs.

In addition to emergency medical coverage, many plans have medical evacuation or repatriation coverage for costs incurred when you must be taken to a hospital or return to your home country because of a medical situation.

Most travel insurance plans cover many trip protections that can help you be prepared for unexpected travel disruptions and expenses.

These coverages are generally aimed at protecting the money you put into your trip, expenses you incur because of travel trouble and costs incurred if you have a medical emergency overseas.

On top of core coverages like trip cancellation and interruption and travel medical coverage, some plans offer add-on options like waivers for pre-existing conditions, rental car collision damage waivers or adventure sports riders. These usually cost extra or must be added within a specified timeframe.

Typical travel insurance policies offer coverage for many unforeseen events, but as you research to select a plan, consider your needs. Though every plan differs, there are some commonly excluded coverages.

For instance, you typically can’t get coverage for a named storm if you bought the coverage after the storm was named. In other words, if you have a trip to the Caribbean booked for Sept. 25 and on Sept. 20 a hurricane develops and is named, you generally won’t be able to buy a travel insurance plan Sept. 21 in hopes of getting your money back.

Many plans also don’t cover activities performed under the influence of drugs or alcohol or any extreme sports. If the latter applies to you, you might want to consider a plan with specific coverages for adventure-seekers.

For numerous plans, a few other situations don’t qualify as an acceptable reason to cancel and make a claim, such as fear of travel, medical tourism or pregnancies (unless you booked a trip and bought insurance before you became pregnant or there are complications with the pregnancy). This is where a Cancel For Any Reason add-on to your coverage can be helpful.

You can also run into trouble if you give up on a trip too soon: a minor (or even multihour) flight delay likely isn’t sufficient to cancel your entire trip and get reimbursed through your plan. Be sure to review what requirements your specific plan has when it comes to canceling a trip, claiming trip interruption, etc.

Travel insurance costs vary widely. The final price of your plan will fluctuate based on your age, length of trip and destination.

It will also depend on how much coverage you need, whether you add on specialized policies (like Cancel For Any Reason or pre-existing conditions coverage), whether you plan to participate in extreme sports and other factors.

In our examples above, for instance, the 35-year-old traveler taking a $2,000 trip to Italy would have spent an average $76 for a basic plan to get coverage for things like trip cancellation and interruption, baggage protection, etc. That’s a little less than 4% of the total trip cost — lower than average.

If there were multiple members in a traveling party or if they were going on, say, a rock-climbing or bungee-jumping excursion, the costs would go up.

On average, travel insurance comes to about 5% to 10% of the trip cost. However, considering many of the plans reimburse up to 100% of the trip cost (or more) for disruptions like trip cancellation or interruption, it can be a worthwhile expense if something goes wrong.

It depends. Consider the following factors that might affect your decision: You’re young and healthy, all your bookings are refundable or cancelable without a penalty, your flights are nonstop, you’re not checking bags and a credit card you carry offers some travel protections . In that case, travel insurance might not be necessary.

On the other hand, if you prepaid a large chunk of money for a nonrefundable African safari, you’re going on a Caribbean cruise in the middle of a hurricane season or you’re going somewhere where the cost of health care is high, it’s not a bad idea to buy a travel insurance plan. Here’s how to find the best travel insurance coverage for you.

If you’re thinking of booking a trip and not planning to buy travel insurance, you may want to consider at least booking refundable airfare and not prepaying for hotel, rental car and activity reservations. That way, if something goes wrong, you can cancel without losing any money.

Selecting the best travel insurance policy comes down to your needs, concerns, preferences and budget.

As you book, take a few minutes to consider what most concerns you. Is it getting stranded because of flight trouble? Having the ability to cancel for any reason you see fit without losing money? Getting sick or injured right before departure and needing to postpone the trip? Injuring yourself or falling ill while overseas?

Ultimately, you want a plan that protects you, your money and the large investment in your trip — but doesn’t cost too much, either.

Medical coverage. If your priority is having adequate medical coverage abroad, you might want to look for plans with high limits for medical emergencies and medical evacuation.

Complex travel itinerary. If your itinerary has lots of flight connections, prepaid hotels and deposits for activities you can’t get back, prioritizing a plan with the best coverage for trip cancellations or interruptions may land at the top of your list.

Travel uncertainty. If you’re on the fence about a trip and have nonrefundable reservations, you may want to select a plan with a Cancel For Any Reason coverage option, which can help you recoup about 50% to 75% of the costs. This helps provide peace of mind, placing the decision on whether to travel entirely in your hands.

Car rentals. If you’re renting a car, a collision damage waiver is often worth looking into.

The following destinations are the top insured destinations in 2024, according to Squaremouth (a NerdWallet partner).

The Bahamas.

Costa Rica.

Antarctica.

In 2022, travelers spent about 25.53% more on trips than they did before the pandemic.

As of December, NerdWallet analysis determined travel prices are 10% higher than pre-pandemic. Each statistic makes a strong case for protecting your travel investment as you plan your next trip.

Bookmark these resources to help you make smart money moves as you shop for travel insurance.

What is travel insurance?

CFAR explained.

Is travel insurance worth getting?

10 credit cards that provide travel insurance.

Here is the list of travel cards offered by Chase that include various forms of travel insurance.

Having one of these in your wallet is a good start to protecting your travel investments and preventing expensive accidents; however, savvy travelers check card terms closely and sometimes supplement with a third-party policy, like from one of the companies above, to better protect themselves.

on Chase's website

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Trip delay: Up to $500 per trip for delays more than 12 hours.

• Car rentals: Theft and collision damage for most cars in the U.S. and abroad.

• Trip cancellation: Up to $1,500 per person and $6,000 per trip.

• Trip interruption: Up to $1,500 per person and $6,000 per trip.

• Baggage delay: Up to $100 per day for three days.

We used the following factors to choose insurance providers to highlight:

Breadth of coverage: We looked at how many plans each company offered plus the range of their standard plans. 

Depth of coverage: We considered two data points to get a sense of how much each company pays out for common travel issues — the maximum caps for trip cancellation and trip interruption claims.

Cost: By looking at the costs for basic coverage across multiple companies, we determined an average cost for shoppers to benchmark plan prices against.

Customizability: While standard plans can cover a lot of ground, sometimes you need something a little more personal.

Customer satisfaction. Using data from Squaremouth when available, and Google Reviews as a backup, we can give kudos to companies with better track records from their clients.

No, it doesn’t necessarily get more expensive the longer you wait to purchase. However, as you put off buying insurance, you may lose access to potential plans and coverage options.

In general, buying travel insurance within a few days to two weeks of prepaying or making an initial deposit for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

But, generally, many plans do allow you to buy coverage quite close to your departure date.

To get the most out of your travel insurance plan, buy it soon after making your initial prepayment or deposit to ensure you have access to the biggest menu of plans possible.

Select a plan that’s comprehensive enough to cover the travel scenarios you’re most concerned about or likely to encounter but not too expensive or laden with protections you’d never likely need.

Whatever your coverage, thoroughly review the plan so you understand what’s covered and what’s not, plus how to adhere to the plan’s rules for making a claim.

Travelers frequently use phrases like “trip insurance” and “travel insurance,” as well as “trip protection,” interchangeably, but they do mean different things, according to Stan Sandberg, founder of insurance comparison site TravelInsurance.com.

Trip insurance, or trip protection, generally refers to predeparture (or preevent) coverage if you need to cancel. You may see these plans sold by airlines, online travel agencies or even ticketed event sellers.

“You could refer to it as the portion that protects the investment in the trip,” Sandberg says.

A travel insurance plan typically includes that — plus more comprehensive benefits to protect you during your trip, from medical coverage to trip delay and lost baggage protections, and many more elements, depending on the plan.

Though travel insurance is typically not required for international trips, your personal circumstances will play a key role in whether it’s a good investment.

For instance, young, healthy travelers with few prepaid trip expenses embarking on a relatively risk-free trip may not see a need to buy a plan.

Older travelers with complicated itineraries who are visiting destinations where they could potentially fall ill or get injured — or who could encounter bad weather or some other disrupting factor along the way — may want to buy coverage.

Consider a few key questions:

How well would your health insurance plan cover you if you needed to visit a hospital overseas?

How much did you prepay for a hotel or rental car?

How much money would you be out if weather or some other flight issue derailed your itinerary?

Could you afford an unexpected night in a city where you have a connecting flight?

Do you already have a credit card that provides some travel protections?

Your answers to these questions can help you decide whether you need travel insurance for your international trip.

In general, buying travel insurance

within a few days to two weeks of prepaying or making an initial deposit

for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

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