Pregnancy travel insurance

Are you planning a well-deserved holiday before your little miracle arrives? First things first, congratulations!

Now down to business, because travelling while pregnant requires a bit more planning and preparation than your average trip, and comprehensive travel insurance is important.

 

What we cover

We know that this time of your life can be equally stressful as it is special. That’s why we provide great quality, affordable insurance for pregnant travellers - so you can have the peace of mind knowing that you and your baby are protected.

Our TravelCare policy covers you for costs or losses relating to your pregnancy up to and including the 20th week, so long as your pregnancy was without complication before your start date of insurance. TravelCare cover for pregnancy is limited to medical complications only. 

We cover single and multiple pregnancies (for example twins or triplets), as well as those that were conceived through fertility treatment.

Our comprehensive TravelCare insurance includes cover for:

  • Unlimited medical and evacuation expenses that arise due to unexpected events while on your journey
  • Cancellation fees and lost deposits – increase your cover depending on the cost of your journey
  • Damaged or lost baggage
  • Personal items if they are stolen or damaged
  • Rental car excess should you have an accident
  • Emergency dental treatment
  • Funeral costs 

Travel insurance in the first 20 weeks

A quick holiday while in your first 20 weeks of pregnancy can be a great way to relax and unwind. We can cover you for travel within your first trimester, but there are certain things to remember.

When planning your babymoon, think seriously about your comfort and ensure your destination and accommodation won’t place you under unnecessary stress. Flying while pregnant can be uncomfortable, so opt for countries that are a short distance from New Zealand.

Always discuss your travel plans with your doctor and seek their professional advice before booking your trip.

 

What we can’t cover

There are a few things we don’t cover, like claims, costs or losses directly or indirectly arising from or related to or associated with:

  • common pregnancy symptoms including breast tenderness, constipation, fatigue, frequent urination, heartburn and nausea (morning sickness); or
  • any pre-existing medical condition(s) relating to pregnancy (for example pre-eclampsia, recurrent miscarriage (i.e. three or more miscarriages), small for date baby and postnatal depression) that are not covered condition(s).

What happens if I give birth whilst on holiday?

Given that airlines restrict expectant mothers from flying when late into their pregnancies, it’s unlikely that you’ll give birth while on holiday, however, if this scenario does arise, seek emergency medical care.

If you give birth before your 20th week of pregnancy, you would be covered by your insurance as this would be considered as a medical complication. However, if you gave birth after your 20th week of pregnancy, you would not be covered by your insurance.

 

Travel tips for pregnant mothers

Expectant mothers have a lot to think about when organising a babymoon. But above all, they should think about the health of themselves and their child. Remember to:

  • Choose a relaxing destination - Think coastal relaxation over caving in Peru. Your babymoon should be your chance to unwind, get in tune with your body and look forward to the great years to come.
  • Opt for shorter flights - Long-haul missions to Los Angeles or London are physically and mentally challenging at the best of times, let alone when pregnant. Do your body a favour and choose a destination close to Australia.
  • Pay for the legroom - Comfort is key. If possible, fork out for premium economy/business class seats for a bit of extra legroom, and remember to wear loosely fitting clothes when flying.
  • Ask your doctor - Always seek advice from your doctor, including asking about vaccination recommendations, as some vaccinations aren’t suitable for pregnant mothers.
  • Be kind to your stomach - Tackle morning sickness by staying active, avoiding rich and spicy foods, and using anti-nausea medication (if your doctor has advised it is safe to do so).

Packing list for travelling while pregnant

Whether it’s a quick weekend away or a longer tropical escape, all pregnant mothers should prepare carefully when packing their carry-on bags. Remember the essentials to keep you comfortable:

  • Pregnancy vitamins
  • Compression socks to prevent DVT
  • Ginger sweets for nausea
  • Antacids for heartburn
  • A comfy pillow
  • A reusable water bottle – just ask the attendant to fill it up
  • Loose, comfortable clothing

Need some help?

If you would like to get in touch, we’re here to help. Please feel free to email us info@scti.co.nz at any time, or speak to one of our friendly insurance experts on 0800 800 571. Our office hours are Monday – Friday, 8.30am – 7.00pm NZST/NZDT.

When calling from overseas, our worldwide emergency assistance team is available 24 hours a day, 7 days a week on +64 9 359 1600.

 

What you need to know

This page provides a summary of the key terms only. As with all insurance policies, terms and conditions apply. For our terms and conditions (including information about exclusions, excesses and sub limits) we recommend you read the travel insurance Policy Document.