Pregnancy travel insurance

Pregnancy travel insurance




Travel insurance for pregnant mothers

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.

Pregnant couple on holiday

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 you bought your policy. TravelCare cover for pregnancy is limited to medical complications only.

We cover single and multiple pregnancies, as well as those that were conceived with assisted reproduction.

Our TravelCare policy also covers you for:

Terms and conditions, sub-limits and exclusions apply. Please read the Policy Wording.

Travelling while pregnant, when are you covered?

Travel insurance in your first trimester

A quick holiday while in your first trimester (three months) 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.

Pregnant women on a flight

Travel insurance when 24 weeks pregnant

While expectant mothers can often feel physically fine during this time, travelling overseas late into your second trimester may not be a good idea.

Many cruise operators won’t accept passengers who are more than 24 weeks pregnant, and airlines each have flying restrictions on pregnant mothers in their second and third trimesters.

What we can’t cover

Provided your pregnancy is in or before your 20th week, and was without complication before you bought your insurance, we provide unlimited medical cover with no excess for your babymoon. However, there are a few things we don’t cover, like claims relating to common symptoms such as:

  • Morning sickness
  • Breast tenderness
  • Constipation
  • Fatigue
  • Frequent urination
  • Heartburn
  • Nausea

Terms and conditions apply. Please read the Policy Wording.

Pregnant traveller on the beach with baby

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.

Terms and conditions apply. Please read the Policy Wording.

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 New Zealand.
  • 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).

A pregnant traveller at the airport

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 at any time, or speak to one of our friendly insurance experts on 0800 800 571, Monday - Friday 8:30am - 5pm.

If you’d like to receive travel insurance promotions, special offers, news and travelling advice, feel free to subscribe to our mailing list here.

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Issued and underwritten by Southern Cross Benefits Limited trading as Southern Cross Travel Insurance. 

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