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Advertiser Disclosure
On This Page
- 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
- Recommended articles
- Related topics
On This Page
- 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
- Recommended articles
- Related topics
By Holly D. Johnson - Finance Expert + 1 other
Reviewed By Blake Esken - Los Angeles Times
Updated on AUG 21, 2024 9 Min Read Why Trust Us?
- 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
Advertiser Disclosure
Great Value for the Money
Seven Corners
GET A QUOTE via Squaremouth’s secure website
Preferred Plan
Trip Protection Choice
Covers COVID
YES
Medical & Evacuation Limits Per Person
$500,000 / $1,000,000
Customize Your Plan & Coverage
Faye Travel Insurance
Check Pricing via the Faye website
Preferred Plan
Faye Travel Protection Plan
Covers COVID
Yes
Medical & Evacuation Limits Per Person
$100,000 / $500,000
An Excellent Premium Plan
AXA Assistance USA
GET A QUOTE via Squaremouth’s secure website
Preferred Plan
Platinum
Covers COVID
YES
Medical & Evacuation Limits Per Person
$250,000 / $1,000,000
Why we recommend these plans for pregnant travelers
Advertiser Disclosure
Great Value for the Money
Seven Corners
GET A QUOTE via Squaremouth’s secure website
Preferred Plan
Trip Protection Choice
Covers COVID
YES
Medical & Evacuation Limits Per Person
$500,000 / $1,000,000
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.
PROS
- Offers coverage for pre-existing conditions
- Money-back guarantee
- Cancellation & Interruption coverage standard
- Covers action sports & equipment
CONS
- Cancel for any reason not included standard
- Must meet waiver for pre-existing conditions to be covered
Customize Your Plan & Coverage
Faye Travel Insurance
Check Pricing via the Faye website
Preferred Plan
Faye Travel Protection Plan
Covers COVID
Yes
Medical & Evacuation Limits Per Person
$100,000 / $500,000
Why We Like It
Editor's take
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.
PROS
- Friendly agents
- Easy-to-use mobile app
- Fast reimbursem*nts for eligible claims
- Prompt replies to questions
CONS
- Long wait times for reimbursem*nt
- Difficulty reaching Faye outside of email & virtual chat
An Excellent Premium Plan
AXA Assistance USA
GET A QUOTE via Squaremouth’s secure website
Preferred Plan
Platinum
Covers COVID
YES
Medical & Evacuation Limits Per Person
$250,000 / $1,000,000
Why We Like It
Editor's take
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.
PROS
- High coverage limits in every category. Extremely comprehensive
- Includes identity theft coverage & non-medical evacuation coverage
- CFAR coverage reimburses 75% of prepaid travel expenses
CONS
- 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
GET A QUOTE via Squaremouth’s secure website
Preferred Plan
Standard
Covers COVID
YES
Medical & Evacuation Limits Per Person
$50,000 / $250,000
Why We Like It
PROS
- Lowest cost of all Generali Global Assistance plans
- 24/7 emergency travel assistance included
- Telemedicine included
CONS
- 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
GET A QUOTE via Squaremouth’s secure website
Preferred Plan
Discovery
Covers COVID
YES (add-on)
Medical & Evacuation Limits Per Person
$100,000 (add-on) / $500,000 (add-on)
Why We Like It
Editor's take
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 reimbursem*nt 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.
PROS
- 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)
CONS
- CFAR not available for trips costing over $10,000/ travel party.
- Secondary medical coverage with $50 deductible (when choosing this add-on)
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Advertiser Disclosure
Coverages to look for when buying pregnancy travel insurance
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 coveragesto 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.
Which pregnancy complications does travel insurance cover?
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.
What is not covered by pregnancy travel insurance?
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
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
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.
Routine prenatal care
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.
Airline rules for flying while pregnant
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.
What if I get pregnant after buying travel insurance?
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.
Things to consider when traveling while pregnant
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. TheAmerican 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 reimbursem*nt 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.
Advertiser Disclosure
Pregnancy travel insurance FAQ
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 Finance Expert
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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