travel insurance cancellation due to pregnancy

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Travel Insurance and Pregnancy: What to Know

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There’s a lot to think about when you’re pregnant — especially if you plan to travel. You’ll want to make sure your health care and your trip costs are covered if something goes wrong.

And while travel insurance for pregnancy may sound like a must-have, remember that not all plans will cover your specific needs. At the moment, there isn't a specific insurance option for those who are pregnant. Rather, pregnant people will need to consider travel insurance that includes coverage for trip cancellation and interruption, as well as emergency medical and evacuation costs.

Your decision to buy travel insurance while pregnant will depend on how much of your trip is nonrefundable, where you’re going and what coverages you already have. These coverages may include trip interruption insurance from your credit card issuer or emergency medical coverage from your current health insurer.

Here’s what you need to know to choose the best travel insurance for pregnancy.

Trip cancellation or interruption due to pregnancy

Most travel insurance policies will reimburse you for all or a portion of your nonrefundable travel costs if you have to cancel your trip for a covered reason. But for pregnant people, covered reasons are a little more complicated.

For most policies, normal pregnancy is not a valid reason to cancel your trip if you already knew you were pregnant when you purchased the insurance. But pregnancy may be a valid reason to cancel if you learn you're pregnant after you’ve booked your trip and paid for an insurance policy.

For example, if you prepay for a trip a year in advance, purchase Allianz travel insurance, and a few months later find out you’re pregnant and need to cancel your trip, the company will likely reimburse you for all or a portion of your lost travel costs. But you’ll have to prove that you learned about your pregnancy after you purchased the policy.

On the other hand, if you knew you were pregnant when you purchased the policy, you will likely not get reimbursed if you canceled your flight due to morning sickness, for example.

» Learn more: Can you fly while pregnant? It depends.

Trip cancellation or interruption due to complications of pregnancy

If you have complications during your pregnancy, travel insurance may cover your trip costs regardless of when you learned you were pregnant.

Keep in mind that only specific complications — like gestational diabetes, preeclampsia, hyperemesis gravidarum or miscarriage — are eligible, and a doctor must advise you not to travel due to your diagnosed condition.

» Learn more: What to know about Cancel For Any Reason (CFAR) travel insurance

Medical coverage for pregnant travelers

If you’re traveling domestically, your regular health insurance may be all the coverage you need. Check with your provider. If you’re going abroad, there’s a good chance your health insurance will not reimburse you for medical expenses while traveling. So for pregnant people traveling internationally, travel medical insurance is probably a good idea.

Secondary travel health insurance can be surprisingly affordable. Secondary plans kick in after you’ve used any applicable primary insurance coverage from your current health insurer.

Searching InsureMyTrip.com, we found secondary international medical insurance plans starting at $14 for a 30-year-old California resident traveling to France for 12 days in September. For this price, you receive coverage up to $50,000.

Want higher coverage limits? They’re available. For the same 30-year-old California-based traveler headed to France, GeoBlue 's Voyager Essential plan offers $1 million in travel medical coverage with a $0 deductible for $27 — again, that’s for the whole trip, not per day. This plan is not secondary coverage, meaning you can buy it even if you don’t have a primary health insurer.

» Learn more: Can I get travel insurance for pre-existing medical conditions?

Emergency medical evacuation due to pregnancy

If you’re traveling to large city, a health care facility is likely a short drive away. But if you’re traveling someplace remote, emergency transportation coverage , like a helicopter, can be a literal lifesaver. Covering this service with an insurance plan can save you a bundle.

Some credit cards give you automatic emergency medical evacuation when you use the card to book your trip, like the Chase Sapphire Reserve® . But if you didn’t use a credit card with emergency evacuation coverage or need higher limits, you may want to buy travel insurance. Most comprehensive plans include emergency medical evacuation insurance, but make sure it’s covered before you purchase your plan.

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

Where to buy insurance for traveling while pregnant

Different travel insurance companies have a variety of plans with varying coverage.

A policy from Travel Guard that was perfect for your nonpregnant friend when she traveled to Machu Picchu may not be as good as a policy from Travelex or Nationwide if you’re pregnant and cruising through Europe. Comparison shop and carefully note what’s covered and the deductible limits before you buy.

» Learn more: The best travel insurance companies

Travel insurance while pregnant recapped

You may not need travel insurance for pregnancy, especially if you’re traveling domestically and your trip is fully refundable — but don’t assume that’s always the case.

Read up on your existing coverage from your health plan and any insurance offered by your credit card . Then you can explore a little more of the world before baby arrives, knowing you’re covered for any scenario.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

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

No annual fee: Wells Fargo Autograph℠ 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

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

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

7+ years in business and financial services content

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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What Does Travel Insurance Cover During Pregnancy?

Traveling while pregnant? Here's how travel insurance can help.

If you experience unforeseen pregnancy complications, that can be a covered reason for canceling or interrupting your trip.

Normal pregnancy can be a covered reason for trip cancellation if the pregnancy occurs after your effective coverage date.

If you need emergency treatment for pregnancy complications while you're traveling, your insurance may reimburse you for the cost of medical care.

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• KEY TAKEAWAYS

Why we recommend these plans for pregnant travelers

Coverages to look for when buying pregnancy travel insurance, which pregnancy complications does travel insurance cover, what is not covered by pregnancy 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

Pregnancy Travel Insurance: Tips for Traveling while Pregnant

• Pregnant travelers are at a higher risk of illness and injury , so you’ll want to have medical travel insurance at a minimum, especially on trips abroad.
• Medical travel insurance can cover health complications related to pregnancy as well as medical emergencies, accidents, and injuries.
• We also recommend CFAR insurance for pregnant travelers as it allows you to cancel your trip for any reason and still be reimbursed.
• It’s important to note that normal pregnancy scenarios are not covered by travel insurance, including routine prenatal care, the cost of childbirth, false labor, and bed rest.
• Try using an online comparison tool to get multiple quotes and compare your options easily in one place.

Opt for a travel insurance plan that includes the following:

• Medical coverage that will treat complications with pregnancies
• Coverage for cancellations & interruptions due to pregnancy complications
• CFAR insurance that allows you to cancel for any reason at all and still be reimbursed

All plans listed below offer coverage for each of these scenarios.

Our top picks for pregnancy travel insurance

Seven corners, faye travel insurance.

AXA Assistance USA

Great value for the money, why we like it.

Editor's take

Seven Corners is one of the best travel insurance providers around, and this is their star policy which offers extremely high coverage limits at an affordable price.

The Seven Corners Trip Protection Choice is great for any traveler but offers coverage for pregnant travelers as well.

Specific pregnancy coverage includes:

• Cancelling or interrupting your trip due to pregnancy complications
• Medical treatment due to pregnancy complications

You can also opt for optional CFAR coverage, which is ideal for pregnant travelers who may need to cancel for unexpected reasons.

Note, this plan won’t cover normal pregnancy-related medical bills (such as birth) or elected abortions.

Read our full review of Seven Corners

• Offers coverage for pre-existing conditions
• Money-back guarantee
• Cancellation & Interruption coverage standard
• Covers action sports & equipment
• Cancel for any reason not included standard
• Must meet waiver for pre-existing conditions to be covered

Customize Your Plan & Coverage

Faye is one of our top picks for pregnant travelers as it offers comprehensive travel insurance with clear coverage options for many pregnancy-related medical issues. While Faye isn’t the cheapest on our list, their plans are customizable, so you can get exactly what you need.

Faye’s optional trip cancellation and trip interruption packages let you cancel if you or your traveling companion have complications of pregnancy, as long as it’s verified by medical records.

It also has an optional Cancel For Any Reason (CFAR) package, making it the perfect option for pregnant travelers.

Faye’s Medical coverage can treat complications to pregnancy if you become ill or affected while traveling, but coverage limits and availability may vary by state of residence and destination.

Read our full Faye review for more info

• Friendly agents
• Easy-to-use mobile app
• Fast reimbursements for eligible claims
• Prompt replies to questions
• Long wait times for reimbursement
• Difficulty reaching Faye outside of email & virtual chat

An Excellent Premium Plan

AXA Platinum is another popular plan among LA Times readers. This plan offers solid medical coverage for pregnant travelers and can cover medical emergencies related to pregnancy complications.

AXA Platinum also offers optional CFAR, which allows you flexibility to cancel your trip for any reason under the sun and still receive up to a 75% refund of your trip cost.

This plan offers higher accidental death and non-emergency evacuation limits than Seven Corners’ Trip Protection Choice plan, and it includes more covered reasons for cancellations, such as canceling for work reasons.

See our full AXA review here

• High coverage limits in every category. Extremely comprehensive
• Includes identity theft coverage & non-medical evacuation coverage
• CFAR coverage reimburses 75% of prepaid travel expenses
• Coverage cannot be extended unlike other plans
• Medical limit is lower than other cheaper plans, but still sufficient

Best for Trips Within North America

Generali global assistance.

• Lowest cost of all Generali Global Assistance plans
• 24/7 emergency travel assistance included
• Telemedicine included
• Lower coverage than other Generali plans
• Pre-existing conditions are not covered by the Standard plan
• No coverage for accidental death and dismemberment during on-land travel

Offers Cancelation-Only Coverage

Battleface is a unique provider as it offers build-it-yourself plans at very affordable prices. You start with a base plan and add whatever coverage you need until you have everything you want.

This helps keep the cost low as you avoid paying for unnecessary coverage.

Their cancelation package offers 100% trip reimbursement if you cancel for a covered reason, and this includes complications to pregnancy if documented by medical records.

You can also upgrade to Cancel For Any Reason (CFAR) coverage and be reimbursed for up to 75% of your trip cost ($10,000 maximum limit).

Being able to opt for cancellation coverage only is ideal if you are traveling within the US where your existing healthcare can cover you for medical emergencies.

• Plan is completely customizable & affordable with all add-ons
• Forgoing unnecessary coverage makes this plan very cheap
• High CFAR coverage limit (75% of trip costs)
• CFAR not available for trips costing over $10,000/ travel party.
• Secondary medical coverage with $50 deductible (when choosing this add-on)

The three main types of benefits we recommend for pregnant travelers are:

• Emergency medical & medevac coverage
• Cancellation and interruption coverage
• Optional CFAR coverage.

However, at a minimum, pregnant women should ensure they have health coverage in place regardless of the destination. Ensuring you can receive proper health care if pregnancy complications arise during a trip is paramount.

Emergency medical & medevac insurance

All travelers can benefit from travel medical insurance, but this is especially true for pregnant women who are at a higher risk for injury and illnesses that may require hospitalization.

Many medical travel insurance plans will cover pregnancy complications that arise during a trip, including ectopic pregnancy, miscarriage, preeclampsia, and more. Since pregnancy increases your risk of developing health issues, we recommend looking for travel insurance that has limits above $250k for emergency medical treatment.

Being able to reach suitable medical care is of the utmost importance during a pregnancy. Medical evacuation coverage can pay for ambulance rides as well as helicopter transport to the nearest suitable medical facility, or even plane transportation back to your home country if deemed medically necessary. We recommend opting for limits of $500k and up.

Trip cancellation & interruption insurance

Your travel medical coverage usually allows for cancellation due to pregnancy complications. However, you may need additional coverage such as trip interruption coverage once your trip has started.

With trip cancellation coverage , most travel insurance providers will reimburse you for up to 100% of your nonrefundable trip costs if you cancel before your trip starts due to a reason covered by your policy. If your trip has already started, trip interruption coverage can kick in to provide financial support if you need to change your itinerary, or cut your trip short to return home. You can be reimbursed for up to 150% of your total travel costs. This can come in handy if a pregnancy-related complication occurs while traveling.

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 .

Cancel For Any Reason (CFAR) coverage

If you’re worried about pregnancy complicating your ability to cancel a trip and get a refund, you may want to purchase “cancel for any reason” or CFAR travel insurance . This coverage 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 traveling, so your plan may not provide coverage at all. However, with a CFAR plan, you can cancel and still be refunded for the majority of your trip cost.

Other coverage that is good to have

While these may not be specific to pregnant people, they are great coverages to have, so we recommend looking for then when you buy.

Insurance for lost or delayed baggage

Pregnant travelers may be more comfortable with coverage for lost or delayed baggage which can help replace luggage and personal belongings lost by a common carrier (i.e. airline). 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 policy.

For example, if your baggage is held up for an extended period on a trip to Japan , you could be reimbursed for maternity clothing and toiletries you need during that time.

Trip delay & missed connection 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. Missed connection coverage can help reimburse you for things like cruises and tours if you miss your connection while traveling.

Common examples of pregnancy-related issues that travel insurance covers include:

• Hyperemesis gravidarum
• Preeclampsia & eclampsia
• Gestational diabetes
• Gestational hypertension
• Acute nephritis & nephrosis
• Cardiac decompensation
• Missed abortions (miscarriage)

Most plans will also cover non-elective cesarean sections, ectopic pregnancies which are terminated, and spontaneous termination of pregnancy which occurs during a period of gestation in which a viable birth is not possible.

All of the plans we mention above cover complications to pregnancies.

That said, each plan and provider is different , so ensure you review the policy information for mentions of pregnancy before you buy to understand exactly what is covered and excluded.

While pregnancy complications are covered by most travel insurance plans, any conditions related to managing a difficult pregnancy are not covered. That’s because travel insurance is built to cover emergencies and not routine healthcare.

It’s also important to note that some travel insurance policies may have exclusions or limitations related to pregnancy as a pre-existing condition.

Examples of normal pregnancy-related scenarios not covered by travel insurance include:

• Birth and labor

False labor

• Occasional spotting
• Morning sickness
• Physician prescribed rest during pregnancy
• Elective abortions

Routine prenatal care

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 is not covered by any travel insurance except Cancel For Any Reason (CFAR) insurance.

False labor is not typically covered through travel insurance , but pregnancy complications causing or resulting 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.

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.

About the Author

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 Insurance for Pregnancy: Protecting Your Health and Peace of Mind

with our partner, Faye

Alex Carver is a writer and researcher based in Charlotte, N.C. A contributor to major news websites such as Automoblog and USA Today, she’s written content in sectors such as insurance, warranties, shipping, real estate and more.

Sabrina Lopez is a senior editor with over seven years of experience writing and editing digital content with a particular focus on home services, home products and personal finance. When she’s not working, Sabrina enjoys creative writing and spending time with her family and their two parrots.

Here’s a breakdown of how we reviewed and rated the best travel insurance companies

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.

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.

Should You Get Travel Insurance When Traveling Pregnant?

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 Rating Travel Insurance Companies

• A 30-year-old couple taking a $5,000 vacation to Mexico.
• A family of four taking an $8,000 vacation to Mexico.
• A 65-year-old couple taking a $7,000 vacation to the United Kingdom.
• A 30-year-old couple taking a $7,000 trip to the United Kingdom.
• A 19-year-old taking a $2,000 trip to France.
• A 27-year-old couple taking a $1,200 trip to Greece.
• A 51-year-old couple taking a $2,000 trip to Spain.
• Plan availability (10%): We look for insurers with a variety of travel insurance plans and the ability to customize a policy with coverage upgrades.
• Coverage details (29%): We review the baseline coverage each company offers in its cheapest comprehensive plan. A provider with robust coverage earns full points, including baggage delay and loss, COVID-19 coverage, emergency evacuation and medical coverage, trip delay and cancellation coverage, and more. Companies also receive points for offering a variety of policy add-ons like accidental death and dismemberment, extreme sports, valuable items, cancel for any reason coverage and more.
• Coverage times and amounts (34%): We compare each company’s waiting periods and maximum reimbursement amounts for baggage, travel and weather delays. Companies that offer customers reimbursement after fewer than 12 hours of delays earn full points in this category. We also reward travel insurance providers that cover more than 100% of trip costs in the event of cancellations or interruptions.
• Company service and reviews (17%): We look for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, 24/7 emergency hotline, mobile app, multiple ways to file a claim and concierge services score higher in this category. We assess reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau (BBB).

For more information, read our full travel insurance methodology.

A.M. Best Disclaimer

If you have feedback or questions about this article, please email the MarketWatch Guides team at editors@marketwatchguides. com .

MarketWatch Guides may receive compensation from companies that appear on this page.
The compensation may impact how, where and in what order products appear, but it does not influence the recommendations the editorial team provides. Not all companies, products, or offers were reviewed.

Does Travel Insurance Cover Cancellation Due to Pregnancy?

In general, normal pregnancy is excluded from all travel insurance coverage with exclusion language like this: ‘ normal pregnancy or resulting childbirth, other than complications of pregnancy .’ So, if normal pregnancy is specifically excluded from coverage how does travel insurance cover cancellation due to pregnancy?

Most travel insurance plans specifically exclude pregnancy as a covered reason to cancel. After all, many women travel during their pregnancies and experience no problems.  Trip cancellation  and  trip interruption  due to complications of normal pregnancy are covered however ( medical treatment  is too).

What’s a ‘complication of normal pregnancy’?

Every travel insurance plan defines this differently, but essentially ‘ a complication of pregnancy is any condition of which the diagnosis is distinct from pregnancy but is adversely affected or caused by the pregnancy .’

This means that while the pregnancy itself isn’t covered, you will have coverage (up to the limits listed in the plan) for medical expenses, trip cancellations, and travel interruptions that are due to complications as long as the plan you choose allows ‘complications of pregnancy’ as covered events.

Depending on the plan, here are a few examples where travel insurance benefits will be paid:

• The day before your trip starts, you’re hospitalized for severe dehydration due to vomiting caused by morning sickness.
• While cruising the Bahamas on your ‘babymoon’, you experience severe dizziness, fall and break your wrist.

These situations were caused by complications due to the pregnancy and are not related to the pregnancy itself.

Limitations on travel insurance cover for pregnancy

Just as an existing pregnancy is considered a pre-existing condition by your health insurance provider, your travel insurance provider considers an existing pregnancy a pre-existing condition as well. Take a look at the timing: if the insured traveler is pregnant before the travel insurance plan’s effective date, then it’s a  pre-existing condition .

If you have to make a claim – for medical care or cancellation – on your travel insurance plan, the travel insurance provider will look at your medical records to determine if the reason for the claim was due to a pre-existing condition. If you’re already pregnant when you purchase your travel insurance plan and you want the ability to make a claim for cancellation or travel medical care you’ll need to purchase a plan with coverage for pre-existing conditions.

Some travel insurance plans automatically cover pre-existing conditions if the plan is purchased within a certain number of days after the traveler’s initial trip purchase. Otherwise, you can add the pre-existing coverage as an upgrade to your base plan.

How do travelers cover trip cancellations due to pregnancy?

If you are planning on or think you might be pregnant, find out before you purchase your travel insurance. If you have to make a claim and the travel insurance provider finds out you were pregnant before your plan was in effect, that claim will be denied on the basis of a pre-existing condition.

DamianTysdal

Damian Tysdal is the founder of CoverTrip, and is a licensed agent for travel insurance (MA 1883287). He believes travel insurance should be easier to understand, and started the first travel insurance blog in 2006.

How does annual travel insurance work?

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• Does travel insurance cover pregnancy?

With travel insurance, pregnant travellers can get their medical expenses covered if they have a health emergency during their trip. Sometimes they can also get trip cancellation insurance if they can’t go on their trip due to pregnancy. Coverage depends on when the traveller became pregnant and how far away their due date is in relation to their trip dates.

• Can you get travel insurance if you're pregnant?

How many weeks pregnant can you get travel insurance?

Does pregnancy count as a pre-existing condition, does travel insurance cover labour or pregnancy-related issues, can you cancel your trip due to pregnancy.

• Can you end your trip early because of a pregnancy?
• FAQs about travelling while pregnant

Travelling can be an exciting adventure, but what happens when you’re expecting a little bundle of joy? Some parents-to-be don’t let it stop them from booking “babymoons” where they can enjoy a trip together before their child is born. Others are more cautious, and think twice about their vacations.

No matter which route you take, you’re bound to have questions about travelling while pregnant and what kind of insurance coverage you can get. In this article, we’ll explore your options.

Need insurance answers now?

Call 1-888-601-9980 to speak to our licensed advisors right away, or book some time with them below.

Does travel insurance cover pregnancy? 

Yes , when you’re pregnant, your travel insurance can offer some coverage. But it depends on your circumstances and your policy.

To start with, most Canadian insurance companies do NOT cover any medical costs related to pregnancy nine weeks before or after the expected delivery date.

If you plan your trip to be more than nine weeks before your baby is supposed to be born, and you weren’t already pregnant when you made your travel plans, most travel insurance policies will cover you. Keep these rules in mind as you read this article, as what you’ll be covered for will depend on meeting this criterion.

What is travel insurance?

Travel insurance is a type of insurance that helps to cover the cost of medical care if you become sick or injured while travelling. It can also protect you from financial loss if you have to cancel or interrupt your trip.

What does travel insurance cover?

There are many types of travel insurance. Different plans can cover:

• Travel medical and dental care
• Ambulance transportation and repatriation
• Stable pre-existing health conditions
• Travel accidents
• Prescription drugs
• Trip cancellation
• Trip interruption
• Baggage lost/stolen
• Adventure sports
• Visitors to Canada

Emergency medical travel insurance plans can cost as low as $20 for a week-long trip. Browse quotes at the click of a button on our website or learn more about:

Can you get travel insurance if you’re pregnant?

Yes, you can get travel insurance if you’re pregnant. In fact, pregnancy might be all the more reason to get travel insurance to give you peace of mind during your journey! While fun, travelling can be a stressful experience sometimes. The right coverage can help make sure expecting moms and dads keep emotional and financial stress levels down throughout the trip.

Some travel insurance companies may have restrictions or specific requirements when it comes to insuring a pregnant traveller. Speak with one of our advisors to check which providers would best fit your needs, and be sure to read the fine print and ask questions if anything is unclear.

Most travel insurance providers will allow coverage for pregnant travellers up to nine weeks before their due date, or between the 28th and 32nd week of pregnancy. It varies depending on the insurance provider, so be sure to check before you sign up for the policy.

Did you know?

A normal pregnancy is considered pre-existing for travel insurance if the insured person was pregnant before they bought the policy, or if they became pregnant before their trip starts.

A pre-existing condition is a health issue the traveller had been diagnosed with before they had their insurance policy. It includes health issues like cancer , diabetes , mental health conditions , etc.

Pregnancy is not considered pre-existing if the traveller becomes pregnant after the date their policy starts, which is usually the first day of their trip. For instance, if you’re halfway through your vacation and suddenly find out you’re pregnant, that will not be considered pre-existing and you could be covered for some unexpected healthcare costs if needed.

For normal pregnancies that are pre-existing, no routine care will be covered. You will not be covered for any emergency medical care within nine weeks before or nine weeks after your delivery date.

High-risk pregnancies are also considered pre-existing health conditions, and will not be covered at all.

Travel insurance can sometimes cover labour or pregnancy-related issues, but it depends on factors like:

• When the travel was booked Was it before or after the pregnancy?
• When the travel insurance policy was purchased Was it before or after the pregnancy?
• How close to the due date you are travelling Is it within nine weeks of the expected due date?
• What kind of coverage you have Trip cancellation & trip interruption insurance  cover different things  than emergency medical insurance plans do.
• If the pregnant person is a  Canadian resident travelling  abroad or a  visitor to Canada Coverage can be different for each.

Let’s take a look at some of these below.

If you unexpectedly give birth more than nine weeks from your expected due date, then travel insurance will cover those costs. In this case, it will be treated as a medical emergency. This is the case whether your pregnancy was pre-existing or not.

What might labour exclusions look like on your travel insurance policy?

2 Pregnancy complications

Travel insurance can cover medical expenses related to unforeseen complications like:

• Gestational diabetes (when the mother develops diabetes as a result of pregnancy)
• Preeclampsia (when the mother experiences dangerous high blood pressure and organ damage)
• Hyperemesis gravidarum (a severe form of morning sickness)
• Miscarriage (when the pregnancy prematurely ends on its own)

3 High-risk pregnancy

What might exclusions for pregnancy complications or risks look like on your travel insurance policy?

Yes, you may be able to cancel your trip due to a pregnancy and be reimbursed for nonrefundable trip costs. It depends on if:

✅ You have trip cancellation coverage or cancel-for-any-reason insurance 

✅ The pregnant person is:

• Your spouse
• Someone you were going to travel with
• The spouse/family member of someone you were going to travel with

✅ The pregnancy happens after the trip was booked

✅ The pregnancy happens after the insurance policy was bought

✅ The delivery date falls within nine weeks of when the trip was supposed to happen

✅ A doctor tells the pregnant person not to travel

If any of these events happen, your travel insurance policy can help you get back the money you spent on things like flights and accommodation costs. It can cover some or even all of those costs that you can’t get back otherwise.

Can you end your trip early because of a pregnancy? 

Trip interruption coverage may kick in if you’re already on your trip but want to end it early and go home because of a pregnancy. But it depends on your specific situation and your insurance provider’s rules.

Let’s say you’re on vacation when you realize you’re pregnant, so you want to go home immediately. Your travel insurance may not cover this if the pregnancy is not yet formally diagnosed or if it’s considered normal. And unless you’re travelling for months, you likely won’t be that heavily impacted.

On the other hand, if your babymoon to the Caribbean goes south and you start experiencing pregnancy complications, travel insurance could help cover both emergency medical costs and trip interruption costs . It can cover the costs of returning home early, as well as any unused portions of your trip.

Speak with an advisor

The type of travel insurance coverage that would be best for you and your family depends on your unique needs. While there’s no specialized plan for pregnant travellers, a licensed advisor can help you find the perfect policy to make your babymoon a dream come true! Schedule a call with one of our travel experts today to get personal advice.

Frequently asked questions

Will travel insurance cover if you deliver a baby in canada.

No, if you are a visitor you should not come to Canada to deliver your baby. Healthcare costs will not be covered and your travel insurance will not cover your medical expenses or any expenses incurred by your newborn baby.

The same applies for Canadian citizens and residents who deliver babies abroad. Travel insurance does not cover normal deliveries in any circumstance.

How many months pregnant can you travel?

In general, you can travel up to 36 weeks of pregnancy. This is whether you’re travelling by airplane, by boat, or by car. But note that:

• Not all travel insurance providers will cover you that close to your expected due date
• Some airlines may not allow you to travel that close to your expected due date
• Your doctor may advise you to hold off on travel

It can be tempting to just hop on the next plane out of here if you’re far out from your due date, but you should consider factors like this before making a decision.

Can you cancel your flight if you get pregnant?

Whether you can cancel your flight because of being pregnant depends on the company you booked with. Check with the different airline pregnancy policies or with the travel agency you booked with to find out their rules.

However, trip cancellation insurance or an all-inclusive travel insurance plan will allow you to cancel your flight and get reimbursed for the cost if:

• The pregnancy happens after the trip was booked
• The pregnancy happens after the travel insurance policy was bought
• The expected due date would fall within nine weeks of when the trip was supposed to take place
• A doctor advises the pregnant individual not to travel

Even if the airline isn’t forthcoming in this situation, a comprehensive travel insurance plan will have your back!

When should you avoid travelling during pregnancy?

Generally speaking, people avoid travelling during pregnancy in these circumstances:

❌ You have a high-risk pregnancy

❌ You’re experiencing pregnancy complications

❌ Your doctor tells you not to travel

❌ It’s close to your due date — within eight to nine weeks

❌ Your destination has limited access to quality healthcare

❌ There are travel advisories (such as to destinations with high rates of Zika virus, which is especially harmful to pregnant people and may cause birth defects for the fetus)

You should speak with your health care provider before making travel plans when you’re pregnant. It’s not just your due date you have to consider, but also things like health risk for you and your baby.

Which Canadian insurance providers should pregnant travellers consider?

If you’re looking for insurance with pregnancy coverage , we can recommend the following Canadian insurers:

• Destination Canada
• Allianz Global Assistance

You can compare the best travel insurance quotes from these providers and others right here on  PolicyAdvisor.com ! Our free online tool lets you customize coverage, compare plans, and apply in minutes!

• Travel insurance coverage for pregnancy varies depending on the insurance policy and circumstances
• You can be covered for medical emergencies or trip cancellation/interruption due to pregnancy
• Most insurance companies do not cover medical costs related to pregnancy within nine weeks before or after the expected delivery date

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Cancellation

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Can I cancel my trip due to pregnancy?

Last Updated: March 10, 2015 March 28, 2024

Short Answer

Cancelling a trip due to pregnancy or childbirth is generally excluded within travel insurance policies. However, some policies offer Trip Cancellation coverage if the traveler becomes pregnant after the effective date of the policy or to attend a family member’s childbirth, and some policies offer coverage in the event of complications of pregnancy.

More Detail

Most travel insurance policies exclude pregnancy as a covered reason to cancel a trip. This also includes childbirth if you were pregnant at the time the policy was purchased.

There are some policies that provide coverage for complications of pregnancy, however, complications are typically not defined and will be considered on a case-by-case basis.

Some policies cover cancellation due to normal pregnancy, as long as the pregnancy began after the policy is purchased. Policies with this coverage may cover cancellation if you become pregnant, or if you must attend a family member’s childbirth.

For information regarding Emergency Medical coverage for pregnant travelers, click here: https://knowledgebase.squaremouth.com/hc/en-us/articles/204104206-Can-I-have-medical-coverage-if-I-am-pregnant-

This information can vary based on the travel insurance policy. Please review the policy certificate to verify coverage. If you have questions about a specific policy, please contact us directly at 800-240-0369. Our customer service representatives are available from 8am to 10pm ET seven days a week and are delighted to help!

• Author: Steven Benna
• Title: Lead Data Analyst

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