Am I covered by travel insurance if I'm pregnant?
This information is for residents of Helpdesk Global only.
As we've recently changed our insurer, please select the date you bought your policy:
Policies purchased on or after 2 December 2018 (GMT)
Policies purchased before 2 December 2018 (GMT)
Congrats! While it’s exciting to welcome a new nomad into this glorious world, it’s important to understand how pregnancy affects your travel insurance cover.
How does pregnancy affect my cover?
There may be cover for some pregnancy complications (as defined in the policy wording), under certain conditions.
But don’t forget that all the other benefits of travel insurance are unaffected by the pregnancy. This includes cover for personal items, baggage, travel disruption and medical costs for conditions that aren’t pregnancy-related or pre-existing.
What’s not included
Like any pre-existing medical condition there is no cover for normal or ongoing medical expenses, or general exclusions, including:
This is only a summary of cover and does not include the full terms and conditions of the policy. You should read your policy wording in full so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.
European customers (excluding Irish residents):
For policies purchased on or after 1 August 2019: Your policy is underwritten by XL Insurance Company SE. For policies purchased between 17 January 2019 and 31 July 2019: Your policy is underwritten by Lloyd’s Insurance Company SA. For policies purchased between 2 December 2018 and 16 January 2019: Your policy is underwritten by certain underwriters at Lloyd’s.
All other customers (excluding residents of Australia, Brazil, Canada, China, EEA, Ireland, New Zealand, Philippines, UK and USA):
For policies purchased on or after 1 August 2019, your policy is underwritten by nib Travel Services Limited. For policies purchased between 2 December 2018 and 31 July 2019: Your policy is underwritten by nib Travel Services Limited, formerly known as Nomadic Insurance Limited.
Yes, pregnancy is covered by the policy while you are travelling although there are restrictions to this cover.
Cover is available after you leave home/start your trip up until the:
- 26th week of pregnancy when expecting one child; and
- 18th week of pregnancy if you are expecting more than one child or if the pregnancy is the result of fertility treatment.
There is cover under the policy for any overseas medical expenses incurred and also medical evacuation and repatriation if you suffer an acute serious illness or acute serious injury related to or complicated by your pregnancy that requires necessary medical treatment when:
- the pregnancy has been normal and without complications
- you have not been previously hospitalised or received treatment or symptoms began before the start of the insurance (or before you extend your insurance)
There is also cover (if no waiting period applies) for unused, pre-paid, non-refundable tours, accommodation, transport, tuition fees after your trip starts if you are unexpectedly hospitalised or declared medically unfit to continue travelling due to your pregnancy. The symptoms must have occurred after you booked and/or paid for your trip and after you bought the insurance.
Indian residents: Our insurer for Indian travellers, ihi Bupa, has decided that they are no longer able to manage benefits greater than cover for Overseas Medical Expenses and Medical Evacuation/Repatriation.
What’s not covered
The policy isn’t designed to cover everything. Do take the time to read the terms and conditions in the product guide (policy wording). That way there are no surprises if you need to use it.
Here are the main things that aren’t covered related to pregnancy:
- any expenses caused by pregnancy or related complications (of your pregnancy or of your travelling companion or close relative’s pregnancy) before you leave home/start your trip, including expenses to cancel or rearrange your trip.
- any medical expenses that occur after the 26th week of pregnancy if you are expecting one child;
- any medical expenses that occur after the 18th week when the pregnancy is the result of any assisted reproductive program (e.g. IVF) and/or it is a multiple pregnancy (more than one baby);
- routine pregnancy check-ups e.g. standard ultrasounds and blood tests;
- care for a newborn baby, however, if childbirth were to occur while travelling, each case is assessed individually;
- induced abortion which is not medically prescribed;
- if you change your mind to travel due to your pregnancy;
- any expected expenses where you were aware of any complications, have seen a doctor, specialist or hospitalised for complications related to pregnancy before the start of your trip. Also, if you suffer symptoms, are diagnosed or treated for a complicated pregnancy during your trip and you extend your insurance, there is no cover for expenses related to the same pregnancy in any future insurance period. This applies to you, your travelling companion or a close relative.
For policies purchased before 2 December 2018, your policy is underwritten by Bupa.