Am I insured to travel if I'm pregnant?

Each of our policies offer different cover for travelling when pregnant. Please see the Policy Wordings to find out what you’re covered for in relation to your personal pregnancy.

PLEASE NOTE: Your medical practitioner and/or midwife will need to tell you that you are fit to travel while pregnant.

Direct Travel/Allsafe (Allianz)
As is consistent with the treatment of all medical conditions under the policy, the policy does not cover the costs or losses for any consultation or treatment associated with normal pregnancy (including multiple pregnancy) or childbirth. This includes, but is not limited to, delivery by caesarean section or any other medically or surgically assisted delivery which does not cause medical complications. The policy does, however, provide cover if complications arise with your pregnancy due to accidental bodily injury or unexpected illness which occurs while on your trip excluding costs incurred during the period between 12 weeks before and 12 weeks after the estimated date of delivery.

This policy does not provide cover for any loss that results directly or indirectly from any of the following general exclusions if they affect you, a travelling companion or a family member’s:

1. Normal, complication-free pregnancy or childbirth, except when normal, complication-free pregnancy or childbirth is expressly referenced in and covered under Section A - Trip Cancellation or Section B - Trip Interruption.

Fit2Travel (Arch)
Section B7: If you need emergency medical treatment abroad
This policy excludes any costs incurred in respect of normal pregnancy or childbirth where you are between 29 and 40 weeks of the pregnancy.

Section B12: Curtailment – If you have to cut your trip short
We won’t pay any claims under this policy if you had cut short your trip because of a normal pregnancy or childbirth where you were more than 29 weeks pregnant at the start of your trip.

Freespirit (Canopius)
If you are pregnant, you will be covered under the standard terms and conditions of the policy during weeks 0-28 inclusive of the pregnancy. From the start of week 29 to week 40 inclusive of the pregnancy, there is no cover for claims relating to pregnancy or childbirth unless one of the following medical complications of pregnancy arise:

1. Toxaemia, gestational hypertension, ectopic pregnancy, post-partum haemorrhage, preeclampsia, molar pregnancy or hydatidiform mole, retained placenta membrane, placental abruption, hyperemesis gravidarum, placenta praevia, stillbirth, miscarriage, emergency caesarean, a termination needed for medical reasons, or premature birth more than 12 weeks (or 16 weeks if you know you are having more than one baby) before the expected delivery date.

Please note we will not cover denial of boarding by a carrier so you should check that you will be able to travel with the carrier/airline in advance. We will not pay any claim arising directly or indirectly from: your carrier's refusal to allow you to board or travel for any reason, including due to pregnancy.

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

Section A - Cancellation / Section B1 - Emergency Medical & Associated Expenses / Section D - Curtailment / Loss of Holiday
We will not pay any claim relating to pregnancy or childbirth if you are 29 weeks or more pregnant unless one of the following medical complications of pregnancy arise:

1. Toxaemia, gestational hypertension, ectopic pregnancy, post-partum haemorrhage, preeclampsia, molar pregnancy or hydatidiform mole, retained placenta membrane, placental abruption, hyperemesis gravidarum, placenta praevia, stillbirth, miscarriage, emergency caesarean, a termination needed for medical reasons, or premature birth more than 12 weeks (or 16 weeks if you know you are having more than one baby) before the expected delivery date.

We will not pay any claim relating to pregnancy or childbirth if, after booking a trip, you discover that travel whilst pregnant is advised against or you are unable to receive the appropriate and required vaccinations for that country;

Goodtogo (Red Sands)
We provide cover under this policy if something unexpected happens. In particular, we provide cover under the Emergency Medical and Repatriation Expenses section for accidental bodily injury or illness. We don’t consider pregnancy or childbirth to be an illness or accidental bodily injury. To be clear, we only provide cover for Cancellation, Curtailment and Emergency Medical and Repatriation Expenses for claims that come from Complications of Pregnancy and Childbirth.

Please make sure you read the definition of Complications of Pregnancy and Childbirth in the definitions of this policy.

We will not cover denial of boarding by your carrier, so you should check that you will be able to travel with the carrier/airline in advance. If at the time of booking your trip you are aware that you are pregnant, you must ensure that you are able to have the recommended vaccinations and inoculations by the UK government for that trip; no cover will be provided for cancellation in the event that, after booking you discover travel is advised against, or you are unable to receive the appropriate and recommended vaccinations and inoculations for that country. Please make sure your Medical Practitioner and Midwife are aware of your travel plans, and that there are no known complications, and you are fit to undertake the planned trip.

Cancellation (Policy A Section 1)
We will pay up to the amount shown in the schedule of cover if:

1. You become pregnant after buying this policy, and you will be less than 8 weeks (or 16 weeks if more than one baby) pregnant before the due delivery date at the start of, or during, your trip.
2. Your doctor advises that you are not fit to travel because you are suffering from Complications of Pregnancy and Childbirth.

Curtailment (Policy B Section 1)
No cover is provided under this section for pregnancy, if you will be less than 8 weeks (or 16 weeks if more than one baby) pregnant before the due delivery date at the start of, or during your trip and you still choose to travel, unless this is a result of Complications of Pregnancy and Childbirth.

Emergency medical and repatriation expenses (Policy B Section 4)
No cover is provided under this section for pregnancy, if you will be less than 8 weeks (or 16 weeks if more than one baby) pregnant before the due  delivery date at the start of, or during your trip and you still choose to travel, unless this is a result of Complications of Pregnancy and Childbirth. Normal Childbirth would not constitute an unforeseen event.

Related FAQs

1. What is a pre-existing medical condition?
2. Do you insure people with pre-existing medical conditions?
3. What does exclusion mean?
4. Am I insured to travel whilst pregnant?
5. Can I take out insurance if I am currently under investigation for an illness?
6. Should I notify you if my medical conditions have changed since taking out my policy with you?
7. If my insurance is refused due to my pre-existing medical condition, can I still take out travel insurance?
8. If I have depression do I need to declare it?
9. Do I have to pay my medical bills abroad?
10. Am I covered to cancel my trip if I contract swine flu?
11. What does the term medical screening mean?
12. Am I able to exclude cover for any or all of my Medical conditions?