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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.

Related Articles

• Traveling While Pregnant: Key Considerations
• The Essential Packing Checklist for Flying With An Infant
• Great Babymoon Destinations in the US
• JetBlue.com
• Southwest.com

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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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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.

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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.

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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.

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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.

Traveling while pregnant may not be problematic on its own, but that doesn’t mean complications or general discomfort won’t pose a problem during a trip abroad. Pregnant women and those who may become pregnant before travel should consider buying a pregnancy travel insurance plan as a general precaution.

In this guide, we will cover the most important things to consider for pregnancy travel. To help you travel with peace of mind, we’ve also broken down what to look for while shopping and choosing the best travel insurance policy for pregnant women.

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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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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How does travel insurance work on a credit card.

Credit card travel insurance protects you from some unforeseen circumstances that may disrupt your travel plans. If your credit card includes travel insurance, you may be reimbursed if your travel is affected by weather, health issues or certain kinds of emergencies outside your control.

Typically, credit card travel insurance only covers the expenses that you charge to that specific card. And because different cards have different travel insurance policies, it's important to read the fine print in your card's terms and conditions to understand your coverage levels.

What is travel insurance?

Travel insurance provides protection for expenses associated with travel, both domestic and international. Travel insurance may reimburse you if your trip gets cancelled, delayed or interrupted--or if you have to pay medical costs that your primary health insurance can't cover.

Travel insurance benefits can be broken down into a few different categories:

• Trip cancellation insurance may reimburse you if your pre-booked, non-refundable flight (that was booked with the same credit card) is cancelled under unforeseen circumstances, such as injury or if your flight is cancelled due to weather conditions or other.
• Your credit card's trip cancellation insurance may reimburse you for prepaid flights and hotel stays booked with your credit card. 
• Trip interruption insurance (for trips that end earlier than planned) may cover expenses like the cost of a last-minute flight home. In most cases, only the part of your trip that was interrupted will be eligible for reimbursement.
• Travel delay insurance may reimburse expenses, such as a hotel stay, that arise from severe delays.
• Medical insurance works like a supplement to your existing health insurance, which may not cover medical costs that you incur abroad. Evacuation insurance covers the costs associated with an evacuation following a weather event or other disruption.
• Baggage insurance is supplemental to coverage provided by your airline or via your homeowners or renters insurance policy. Baggage coverage may reimburse you for the actual or replacement cost of your possessions, should they go missing as you travel.

What are the benefits of credit card travel insurance?

Many airlines and tour operators offer travel insurance as an add-on at point of purchase. Credit card travel insurance, on the other hand, is a feature offered on certain credit cards.

Credit card travel insurance provides the following benefits:

• Financial protection : Comprehensive credit card travel insurance can provide full coverage should a covered event--such as severe weather, a medical emergency affecting you or a loved one, or loss of employment--occur. In many cases, travel insurance may require you to pay any expenses out of pocket, then file a claim later for reimbursement.
• Evacuation assistance : If your credit card travel insurance includes evacuation coverage, you can get help securing transport when a covered event (like weather or a political incident) disrupts your travels. Depending on the coverage provided by your credit card travel insurance plan, even emergency medical evacuations such as those on a private jet-may be covered.
• Supplemental medical coverage : Many health insurance plans don't cover medical costs incurred outside the country. Even those that do are likely to charge a deductible. Credit card travel insurance that includes medical coverage may pay for some medical costs, including your primary plan's deductible.
• Peace of mind : Having credit card travel insurance can give you the confidence to make bold travel plans--or jet somewhere sunny in the dead of winter. A major storm might snarl your vacation plans, but with travel insurance you may get fully reimbursed.

What questions should I ask about credit card travel insurance?

Credit card travel insurance provides many benefits, but be sure to understand what coverage your card provides before you book a trip. Do your research and ask questions to maximize the value of your credit card's travel insurance program:

• What coverage levels does my card offer? Get a copy of your card's full terms and conditions to learn exactly what kinds of travel coverage are included.
• Are my family members covered by my credit card travel insurance? Travel insurance typically covers events that affect your immediate family: for example, if your child gets sick before you embark on a flight. Your more distant relatives--and pets--may not be covered, however.
• What specific events are covered? Understanding the events that can trigger a claim is crucial to getting the most out of travel insurance. For instance, involuntary unemployment may qualify you for cancellation protection--but leaving your job voluntarily may not.

Relying on credit card travel insurance

Credit card travel insurance can offer financial protection and peace of mind when you travel. Take the time to understand how your card's travel insurance works-and be aware that only expenses charged to your card are likely to be covered.

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Using Chase Trip Cancellation Coverage

Update: Some offers mentioned below are no longer available. View the current offers here .

As I mentioned on Friday, we had to cancel our planned trip to present at the Chicago Seminars at the last minute due to Baby S getting hit with her first virus and upper respiratory gunk. As with most airfare, our tickets were "non-refundable" and as such we would pretty much be out the $800+ for the three round trip tickets for my mom, my little one, and myself. There are many reasons I couldn't just fly by myself and leave the baby at home including I wouldn't be comfortable as the mom being away from my sick and not-quite-3 month old baby, but also the little stinker won't even take a bottle right now so I'm her sole food source.

Even if the money we spent on the airline tickets all went to waste, we had to stay home with Baby S so it was an easy call, but I would certainly prefer to recoup as much of that expense as possible. Thankfully I learned years ago to pay attention to which credit cards I use for airfare purchases so that I have built-in trip interruption and cancellation coverages for unexpected surprises without having to purchase separate trip insurance. This is important across the board, but when you have babies and little kids who inevitably will get numerous illness in their first few years it is virtually essential. Many Chase credit cards have similar protections, but the purposes of this post I will quote from the Chase Sapphire Preferred® Card Benefit's Guide since it is a very good all around travel credit card that I think many of us have.

Details of Chase Trip Cancellation Insurance:

With the Chase Sapphire Preferred® Card, Trip Cancellation Insurance will reimburse you or your immediate family members up to $5,000 for each covered trip if a covered loss prevents you from departing on your trip and results in cancellation of travel arrangements if you charged a "portion of the cost for the travel arrangements to your account". In this case the covered loss we are using is "Accidental Bodily Injury, Loss of Life, o r Sickness experienced by you, a Traveling Companion, or an Immediate Family Member of you or a Traveling Companion." Bolding mine.

It also says that if a physician has advised that making the covered trip is medically inadvisable, you must immediately notify the appropriate travel supplier that you are cancelling your travel arrangements. If you don't notify the supplier, the company's reimbursement will not exceed the cancellation penalties imposed during the period by the supplier and in effect forty-eight (48) hours immediately following your receipt of advice from your Physician that travel is not advisable.

So, we used the Chase credit card to purchase the airfare, we have a sick immediate family member, and we cancelled the flights right after learning she should not fly based on her doctor's advise. Check, check, check, and so far so good. I'm still in the middle of the claim process, but I wanted to share which documents the company has requested thus far in case you are faced with a similar situation. Most of the items requested are easily obtained and pretty common sense, but there are a few curve balls in the process that I wasn't totally expecting.

Documents Needed to Utilize Trip Cancellation Coverage:

• Confirmation of the non-refundable amounts for the unused Common Carrier tickets, and/or travel vouchers;
• Confirmation that the tickets were cancelled with the Common Carrier;
• Copy of the travel itinerary showing the passenger names and ticket cost;
• Confirmation of the reason for the trip cancellation; (Completed attached physician statement, confirmation of death of immediate family member or documentation confirming any other cause of loss);
• Please complete and return the Trip Cancellation claim form attached below;
• A copy of the cancellation or refund polices of the Common Carrier, Tour Operator, or Travel Supplier;
• A copy of the credit card statement which shows that the purchase of the Common Carrier ticket was charged to your credit card; (We must be able to see the first six digits of the credit card number and the pre-printed accountholder name and address. However, for security purposes we suggest that you block or remove the remaining digits of your card number.).

I had taken Baby S both to urgent care and to her pediatrician in the 24 hours before making the claim because I was worried about her and wanted her checked out by a physician, but since I knew I would probably need some sort of documentation of her illness I had her pediatrician write a brief note while I was there indicating the date, the illness, and that she cannot fly in her condition. I was hoping that would be sufficient documentation, but it seems there is a specific form that the physician needs to complete. I really hope what I have will suffice as I hate to go back to the doctor's office if I don't have to, but here are the sections on the form that the physician is asked to complete.

Physician's Form for Trip Cancellation Coverage:

Date of accident, injury or illness: ____/____/____ (MM/DD/YY)

Date of first treatment or onset: ____/____/____ (MM/DD/YY)

Please describe the nature of the patient's injuries or illness:

_____________________________________________________________________________

Was this a referral from another doctor? YES / NO

If yes, date of referral: ____/____/____ (MM/DD/YY)

Was the patient hospitalized? YES / NO

If yes, please list the names and location of all hospitals and all admission/discharge dates:

Hospital Name Location Adm. Date Dis. Date

__________________________ _____________________ ___________ __________

Was the patient recommended by you to curtail their trip/travel due to this condition?

If yes, travel restriction dates advised:

____/____/____ (MM/DD/YY) to ____/____/____ (MM/DD/YY)

Did this travel restriction affect any other family members or travel companions? YES / NO

If yes, why did family member/travel companion need to curtail their travel? _____________________________________________________________________________

Did the patient have any condition (including pregnancy) prior to trip booking that contributed to their present condition? YES / NO

If yes, please describe:__________________________________________________________

______________________________________________________________________

For pregnancy: EDC: ____________________________

If yes, at what date did patient originally begin treatment with this previous condition: ___________________________________________________________________

If yes, was the patient's previous condition stable at least 60 days prior to booking the trip? YES / NO

Please describe: _________________________________________________________

_______________________________________________________________________

Putting the Trip Cancellation Claim Together:

It will take a little time to put all this requested information together and send it back to the company, in this case a Claim Benefit Services operated by Broadspite, a Crawford Company. You can scan in the documents and upload them to a website or just mail them in the old fashioned way. I'm hopeful that all will go well and within a few weeks we will have a check for the value of the cancelled airfare since that amount is well under the covered maximum. I'll be sure to update when the process is over, or if I hit any unexpected road blocks in the process. Fingers crossed our little one is healthy in time for our next trip or we'll be working on yet another trip cancellation claim...

Have you ever used built-in trip cancellation coverage from one of your credit cards? Do you pay attention to the coverages provided by your cards when booking trips?

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The Guide to Chase Sapphire Reserve’s Travel Insurance Benefits

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Table of Contents

1. Trip cancellation/trip interruption insurance

2. trip delay reimbursement, 3. baggage delay insurance, 4. lost luggage reimbursement, 5. auto rental collision damage waiver, 6. roadside assistance, 7. travel and emergency assistance, 8. travel accident insurance, 9. emergency evacuation and transportation, 10. emergency medical and dental benefit, what if coverage is insufficient, the bottom line.

The last thing anyone wants to think about when going on vacation is getting into an accident, experiencing a trip delay, or having a bag lost or stolen. However, accidents happen, and being prepared before you travel can save you a lot of headaches. If you have the Chase Sapphire Reserve® , you already have free travel insurance. Take a moment to familiarize yourself with these benefits so that you don’t unnecessarily purchase a standalone travel insurance policy.

Here’s what you need to know about the travel insurance benefits offered by the Chase Sapphire Reserve® .

Note that to benefit from the protections outlined here, your trip must have been purchased with your Chase Sapphire Reserve® or with Chase Ultimate Rewards® points earned from that card.

Although these two benefits are grouped together, they are slightly different.

Trip cancellation insurance covers you before your trip begins. If a covered loss prevents you from traveling on your trip, Chase will reimburse you or your immediate family members up to $10,000. If the trip was booked using Chase Ultimate Rewards® points, reimbursement will be in the form of points.

Trip interruption insurance begins the moment your trip starts, including on the way to the point of departure or after departure. If a loss results in the interruption of your trip, this benefit offers up to $10,000 in reimbursement for cardholders and immediate family members. Reimbursable expenses include change fees as well as prepaid and nonrefundable airfare, hotels and cruises.

Valid reasons include:

Accidental bodily injury, death or illness experienced by the cardholder, a traveling companion or an immediate family member of the cardholder.

Extreme weather that prevents the start or continuation of a trip.

Terrorist attack or hijacking.

Court subpoena or jury duty that can’t be waived or postponed.

Quarantine orders from a physician.

Bankruptcy of the cardholder’s travel agency, tour operator or travel provider.

Chase has identified various occurrences that are not covered, such as cancellations/interruptions due to changes in plans or financial circumstances, pre-existing medical conditions, war, traveling against doctor’s orders or trips longer than 60 days.

The primary cardholder as well as immediate family members not traveling with the cardholder are also protected. The fact that Chase provides coverage to family members even if they aren’t traveling with the primary cardholder is a unique and important point.

The maximum reimbursed amount for this benefit is $10,000 per covered trip, $20,000 per occurrence and $40,000 per 12-month period. Claims must be filed within 20 days of the occurrence. In the event of a medical issue resulting in trip cancellation, cardholders must inform the trip supplier within 48 hours.

» Learn more: The majority of Americans plan to travel in 2022

If your trip is delayed by more than six hours or requires an overnight hotel stay, you (and your family) are eligible for reimbursement up to $500 per person. Reimbursable expenses include meals, lodging, toiletries, medication and other personal use items.

Your trip will be covered as long as you are away from home for fewer than 365 days. Coverage is limited to one event per trip.

Covered events include:

Equipment failure.

Extreme weather.

Labor strikes.

Hijacking or skyjacking.

If a covered hazard was public or known to the cardholder before departure, reimbursement will not be provided. Coverage applies to the cardholder, a spouse or domestic partner and dependent children under age 22.

Claims must be filed within 60 days of the delay, and supporting documents must be submitted to Chase within 100 days of the delay.

» Learn more: What you need to know about Chase's trip delay insurance

If your bags are delayed by more than six hours, this benefit will cover up to $100 per day for up to five days for essential purchases like toiletries and clothing. Coverage applies to the cardholder, a spouse or domestic partner and immediate family members (even if they are not traveling with the cardholder).

There are several expenses that are specifically called out as not covered, including contact lenses, glasses or hearing aids. It’s always best to check the fine print of this policy before expecting reimbursement for your purchases.

You need to file a claim within 20 days of the delay and provide supporting documentation to Chase within 90 days of the delay.

» Learn more: Baggage insurance explained

Lost luggage reimbursement protects you in the event that your luggage is lost by the carrier or you incur costs to repair/replace baggage that is damaged by the carrier. Coverage is up to $3,000 per passenger and applies to the cardholder and immediate family members (even if the cardholder is not traveling on the trip).

The benefit includes a reimbursement of up to $500 per person for jewelry, watches, cameras, video recorders and other electronic equipment.

You must report the loss/damage immediately to the common carrier, and proof of the report must be included with the claim. Claims must be submitted within 20 days of the occurrence, and supporting documents need to be supplied within 90 days of the occurrence.

This auto rental collision damage waiver covers up to $75,000 in case of a car accident or theft when traveling within the U.S. or abroad. This benefit applies to rental periods up to 31 days.

Covered costs include:

Physical damage/theft of the rental car.

Towing charges to move the car to a repair shop.

Valid loss-of-use costs incurred by the car rental company.

This coverage is primary, which means that you do not need to purchase supplemental coverage or get your own insurance company involved in case of an accident. Importantly, if you accept the collision damage waiver offered by the car rental company, you will not be eligible for this benefit.

Covered persons include the cardholder, who must be listed as the primary renter, along with additional authorized drivers added to the rental agreement.

There are many vehicles that are not eligible for coverage, including:

Antique cars.

Vans built to transport more than nine people.

Motorcycles and trucks.

Motorbikes.

Limousines.

Recreational vehicles.

You must contact the benefit administrator immediately to report an accident or theft, and completed claim forms must be submitted within 100 days of the damage/theft. Any remaining supporting documents must be received within 365 day of the occurrence.

» Learn more: What your credit card rental car coverage doesn’t include

This benefit provides various roadside assistance services while traveling within the U.S. and Canada. Cardholders are covered up to $50 per incident four times per year for the following services:

Battery boost.

Flat tire service.

Fuel delivery.

Lockout assistance.

Coverage applies to the cardholder driving his/her own leased or owned car. Note that coverage is not available in areas that are not regularly traveled (off-road areas) or for heavy trucks/trailers and commercial vehicles.

To use Roadside Assistance, call 1-866-860-7978. The service is available 24 hours a day, 365 days a year.

If you’re traveling and need any sort of emergency assistance (refilling a prescription, legal referrals or translation services, to name a few), this benefit is also available 24/7. Referrals are provided free of charge, but cardholders are liable for any costs incurred for using the recommended services.

Coverage applies to the cardholder, their spouse/domestic partner and dependents under age 22.

The following services are offered:

Emergency message service.

Medical referral assistance.

Legal referral assistance.

Emergency transportation assistance.

Emergency ticket replacement.

Lost luggage locator service.

Emergency translation service.

Prescription assistance.

Valuable document delivery arrangement.

Pre-trip assistance (offers information on exchange rates, local currency, health precautions and ATM locations).

We hope that our NerdWallet readers never have to rely on this benefit. The Chase Sapphire Reserve® ’s travel accident insurance provides up to $1 million in coverage for accidental death or dismemberment and loss of speech, sight or hearing. This benefit comprises two types of insurance:

Common carrier travel accident insurance — Applies when an accident is sustained when entering, exiting or riding as a passenger on the common carrier (airplane, train, cruise ship or bus). The maximum payout is $1,000,000.

24-hour travel accident insurance — Applies to any loss sustained starting on the departure date and ending on the return date. The maximum payout is $100,000.

Note that you cannot be reimbursed under both policies, and any payment received will be for the largest eligible benefit. Chase includes a list of events that are not eligible for coverage, such as:

Illegal acts committed by the covered person.

Emotional trauma.

Mental or physical illness.

Skydiving and flying on non registered aircraft.

Claims must be filed within 20 days of the occurrence, and supporting documentation needs to be provided within 90 days.

» Learn more: 4 best credit cards for travel insurance benefits

If you or any member of your immediate family get sick or injured on vacation and require emergency evacuation, this benefit will cover costs up to $100,000. Examples of covered services can include ambulance transportation (air and land), medical supplies and private motor vehicles.

To be eligible for coverage, a licensed physician must approve the emergency evacuation. Furthermore, all transportation arrangements need to be made by the benefit administrator. The length of the trip must be between five and 60 days, and you must be 100 miles or farther from home.

Travel for medical treatment is not covered and neither are nonemergency services or experimental treatments.

Coverage extends to the cardholder, their spouse/domestic partner and dependent children under the age of 18 (or 25 if a full-time student at an accredited institution).

A completed claim form and supporting documentation need to be submitted within 180 days of the event.

This benefit provides coverage during vacation of up to $2,500 for emergency medical or dental expenses that are not covered by your medical insurance. Cardholders are responsible for a $50 deductible.

If a physician determines that you cannot travel as a result of a medical or dental emergency, this benefit will reimburse you up to $75 per day for up to five days at a hotel. The trip must be between five and 60 days and you must be 100 miles or further from home.

Covered expenses include:

Services of a qualified doctor, nurse, dentist or osteopath.

Hospital/operating room costs.

Anesthesia, X-rays or lab tests.

Ambulance transportation.

Coverage applies to the cardholder, their spouse/domestic partner and legally dependent children under the age of 18 (or 25, as long as the child is a full-time student at an accredited institution).

Chase has also outlined certain expenses that are not covered:

Nonemergency services.

Experimental care.

Services in countries that the U.S. deems as unsafe for travel.

With regard to countries deemed unsafe for travel, the card's terms single out the following countries:

Afghanistan.

El Salvador.

Kampuchea (Cambodia).

North Korea.

Be sure to review the U.S. Department of State's travel guidelines for your destination before deciding to rely on this coverage, as travel advisories could be applied to countries beyond those listed above.

If an emergency occurs, you must contact the benefit administrator immediately. A completed claim form and supporting documentation needs to be submitted within 180 days of the emergency.

» Learn more: Travel medical insurance: Emergency coverage while you travel internationally

If you don’t have a premium travel credit card that offers trip insurance or feel that the protections offered by the Chase Sapphire Reserve® are insufficient, take a look at the insurance policies offered for your state. You can either check directly with an insurer you already know or browse an insurance comparison site, like Squaremouth.

Typically insurance comparison sites offer many options to choose from, including standalone medical insurance, Cancel For Any Reason , and long-term trip insurance.

The Nerds analyzed several factors before naming the Best Travel Insurance Companies . This can be a good first place to start understanding your coverage options.

Deciding which policy is best always depends on your particular circumstances, which benefits you’d like to have and the duration of your trip.

» Learn more: How to find the best travel insurance

The Chase Sapphire Reserve® is a premium travel card that offers several key travel insurance benefits. Although we hope you never need to use them, it’s good to know that the coverage is there.

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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Trip Cancellation Insurance Coverage for High Risk Pregnancy?

Will Trip Cancellation Insurance Cover a High Risk Pregnancy? A TravelSort Client may have to cancel an anniversary trip due to a high risk pregnancy, yet we're already within the cancellation window, which would result in forfeiting the 2 night deposit. While the resort will hopefully waive this cancellation penalty, on receipt of a doctor's note, another option, if the trip was booked with a Chase Sapphire Reserve , Chase Sapphire Preferred , or Ink Business Preferred , is to seek reimbursement via the trip cancellation benefit.

What Chase Trip Cancellation Covers

The relevant section of the Chase trip cancellation coverage states that covered loss includes: “…Sickness experienced by you, a Traveling Companion, or an Immediate Family Member of you or a Traveling Companion.”

Obviously a healthy pregnancy is not a sickness, but in speaking with a Chase claims representative, a high risk pregnancy can (but isn't guaranteed) to be covered. It all depends on the individual circumstances. In determining whether the claim is covered, the following is taken into account (note this is not exhaustive):

• The nature and severity of the pregnancy complication/risk
• When the complication was diagnosed
• Current trimester
• When you notified the travel supplier
• The actual doctor's note

You'll have the best chance of having it covered the more serious the condition is, confirmed by the diagnosis and your doctor's note, if it's your first or second trimester and if you notified the travel supplier as soon as you received the diagnosis and physician's instructions not to travel.

What Chase Trip Cancellation Doesn't Cover

Generally Chase won't cover claims when they are made in the woman's 3rd trimester, which can be a risky time to travel anyway, even for otherwise healthy pregnancies. Also note that if already pregnant at the time the trip was booked, that counts as a pre-existing condition, which is not covered.

If you or your partner is pregnant at the time you're booking a trip that has a non-refundable deposit or trip payment, I recommend purchasing separate trip insurance, such as Travel Guard Gold (if available in your state), since you can include pre-existing conditions if you purchase trip insurance within 15 days of your initial trip payment.

Have you ever had to cancel or interrupt a trip due to a high risk pregnancy in the family?

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A crash course in how to use Chase Sapphire rental car insurance

Fortune Recommends™ has partnered with CardRatings for our coverage of credit card products. Fortune Recommends™ and CardRatings may receive a commission from card issuers.  

Just imagine that you’re driving through paradise, it’s the golden hour, the sun is setting on the horizon and you pull off the side of the road to catch that once-in-a-lifetime Instagram worthy pic. Just then you hear a loud screech, and a boulder on the side of the road digs into the side of your car, ripping the metal to shreds. Any moment of zen or happiness is lost as you start to worry about whether or not you’re on the hook for this car repair and your vacation is ruined. 

This was the exact scenario that happened to me on a recent trip to Hawaii. Having a Chase Sapphire credit card in my wallet not only saved me from the stress of dealing with the car rental company, I was able to get a replacement car and be on my way and enjoy the rest of my vacation with peace of mind.

How to get Chase Sapphire rental car insurance

The great part about rental car insurance with the Chase Sapphire family of cards is that there’s nothing special that you have to do in order to receive this benefit. The benefit is a part of the very wide suite of benefits that you get by being a cardholder. It’s included, along with all the other travel protections, in your annual fee.

Holding either the Chase Sapphire Preferred ® Card or the Chase Sapphire Reserve® is only the first step in activating this powerful perk.

Chase Sapphire Preferred ® Card

Intro bonus.

Rewards Rates

• 5x 5x points on travel purchased through Chase Travel℠ (excluding hotel purchases that qualify for the $50 Annual Chase Travel Hotel Credit)
• 3x 3x points on dining at restaurants, including takeout and eligible delivery services
• 2x 2x points on travel purchases not booked through Chase
• 1x 1x points on other purchases
• 5x 5x points on Lyft rides through March 31, 2025 (that's 3x points in addition to the 2x points you already earn on travel)
• Valuable welcome bonus
• Extensive list of transfer partners
• Extra value on travel redemptions
• No premium travel perks
• Has an annual fee
• Additional perks: $50 annual hotel credit, trip cancelation/interruption insurance, auto rental collision damage waiver, complimentary Doordash and Instacart+ membership along with quarterly Instacart+ credits
• Foreign transaction fee: None

How do I activate Chase Sapphire’s Auto Rental Collision Damage Waiver?

While there is no extra fee involved with the insurance, you do have to make sure that you complete two very simple steps in order to qualify.

First, you’ve got to charge the full amount of the rental car with your Sapphire card. If you end up making the transaction with a different card, you won’t be covered. Holding the card isn’t enough, you’ve gotta make sure to pay for it with the same card. However, making an award booking using points from a Sapphire card does count. 

Second, you’ve got to decline the rental car company’s collision waiver, commonly called a CDW or LDW. If you accept their coverage, you will nullify the free coverage provided by Chase.

Chase Sapphire Reserve®

• 10x 10x points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually.
• 5x 5x points on flights through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually.
• 3x 3x points on other travel and dining immediately after the first $300 is spent on travel purchases annually.
• 1x 1x point on all other purchases
• Generous rewards on travel and dining
• Annual travel credit
• High annual fee
• Subject to Chase 5/24 rule
• Additional perks: Airport lounge access, purchase protection, extended warranty protection, trip cancelation/interruption insurance, auto rental collision damage waiver, cell phone protection, complimentary Doordash and Instacart+ membership along with monthly Instacart+ credits

What kind of insurance do Chase Sapphire cards offer?

The insurance is very similar between the Chase Sapphire Preferred and the Chase Sapphire Reserve, but the limits are a bit different. The first thing to know is that Chase Sapphire’s insurance is primary, meaning you won’t have to go through your insurance company first if you have a claim. That’s a huge hassle-saver.

The auto rental insurance (officially called Auto Rental Collision Damage Waiver) covers reimbursement for theft or collision damage to your rental car. If you have the Chase Sapphire Preferred, you’re covered up to the actual cash value of the car. If you have the Chase Sapphire Reserve, the limit is much higher, for a total of $75,000. You’ll be covered for:

• Valid loss of use charges
• Administrative fees
• Towing charges to the nearest facility

How do I file a claim with the Chase Sapphire Rental Car Insurance?

Assuming your car is driveable and you manage to make it back to the rental car facility, there are a few things you’ll need to ask for from the rental car company. Keep hold of these, because the Chase team will be asking for them later.

• Copy of the accident report
• Copy of the front and back of the entire rental agreement
• Copy of the repair bill including itemizations
• A minimum of 2 photos of the damaged car
• A police report, if you filed one
• Copy of the demand letter prepared from the rental car company

Once you’ve got all of these, you’ve got to call the benefit administrator within 100 days from the date of the incident. In other words, don’t feel like you’ve got to call the credit card company while the smoke is coming out of the engine. You’ll be able to get home, relax, gather your documents, and then call.

The benefit administrator will make sure to tell you everything else that you need, but you’ll need your credit card statement and a completed form that they’ll send you as well. Hate talking to people on the phone? Never fear, an online claims process has been established. You can start and finish your claim online via this link .

Are there any special limitations?

Don’t think you’re going to be able to become a speed demon in a Lamborghini and crash it into the side of the highway. If you’ve got the Chase Sapphire Preferred, some of the brands not covered by this policy include Alfa Romeo, Jaguar, Maserati, Porsche and Tesla. The Chase Sapphire Reserve doesn’t have this limitation, but the $75,000 limit still applies.

You might also think you’re covered if you’ve made other common rentals like passenger vans or other trucks like U-Hauls, but you would be mistaken. Similarly, mopeds, motorcycles, motorbikes and RVs aren’t covered.

There are a few other things to keep in mind about this rental car insurance, considering that it is only meant to cover the cost of the vehicle and its associated costs:

• Theft to your personal property is not included
• Liability insurance is not a part of this benefit
• Injury to you or anyone else is not covered
• If you’re found to be intoxicated or otherwise incapacitated, that voids your coverage
• If you head off roading, you’ll cancel your coverage
• If you rent the car for longer than 31 days, you won’t be covered

How I used Chase Sapphire’s Auto Rental Collision Damage Waiver

My adventure with Chase Sapphire’s rental car insurance started with an abrupt stop in Maui. After I realized I had smashed into a boulder and had a miniature freak out, it became clear that the car was undriveable. I called the number for the rental car company and told them I had an accident. The tire was flat and the wheel well was bent to a point that I couldn’t drive it if I wanted to. They dispatched a tow truck for us, so we had plenty of time to just chill out and enjoy the sunset.

We were towed back to the airport where we dropped off the car and filed out all their accident reports. Since we still had two more days left in our vacation, we picked up a new car and promised that we wouldn’t run into any more boulders.

Once we got back home, the calls started pretty frequently from the rental car facility, wondering who would be paying for the car. I told them that I was contacting my insurance company, in this case Chase, and would get back in touch with them. I called the benefit administrator on the phone and the process couldn’t have been easier. I uploaded the documents and was assured that they would take care of everything.

Magically, that was the end of my interactions with the rental car company. The benefit administrator took care of everything. I wasn’t on any sort of black list with the rental car company since the car was paid off and they got what they needed.

Are the Chase Sapphire cards worth it?

Many people wonder if the annual fee is worth it on credit cards, and often seek out low or no annual fee credit cards. Considering the cost to replace a new car would have been multiple tens of thousands of dollars, it’s safe to say that the $95 we pay every year for the Chase Sapphire Preferred was well worth it. While the Chase Sapphire Reserve has a higher fee, the other benefits can outweigh the fee as well if you consider all the other benefits that you get with the card, including Ultimate Rewards and other travel protections, the annual fee seems like an easy pill to swallow.

Please note that card details are accurate as of the publish date, but are subject to change at any time at the discretion of the issuer. Please contact the card issuer to verify rates, fees, and benefits before applying.  

EDITORIAL DISCLOSURE : The advice, opinions, or rankings contained in this article are solely those of the Fortune Recommends ™ editorial team. This content has not been reviewed or endorsed by any of our affiliate partners or other third parties.

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