Travel Insurance With Cover for Pregnancy
Travelling is always an exciting experience, but travelling while pregnant can come with some extra challenges.
Whether you’re planning a babymoon, you need to travel for work or you just want a quick getaway before your little one arrives, it’s important to make sure you’ll be covered to travel while pregnant.
Automatic cover for pregnancy up to 26 weeks
Pregnancy shouldn’t mean you have to abandon your travel plans. While the cost of experiencing a pregnancy-related issue while travelling can be expensive, with the right type of cover, there’s no reason why you shouldn’t be able to enjoy some well-deserved downtime before your baby arrives.
When you choose PassportCard, provided you’ll be less than 26 weeks pregnant (i.e. no more than 25 weeks and 6 days) at the time of travel, our travel insurance includes automatic cover for serious and unexpected pregnancy complications as long as you:
- have a single pregnancy (i.e. not twins or triplets etc.)
- have had a complication-fee pregnancy and haven’t experienced any complications with a previous pregnancy, and
- did not conceive the pregnancy with medically assisted fertility treatment (including hormone therapies or IVF).
In some cases, you may be required to complete a health assessment before you can be approved for our travel insurance. You may also need to pay an additional premium and your cover may be subject to special conditions, limitations, limits and excesses.
Why it’s so important to have travel insurance
All benefits and covers are subject to the terms, conditions, limitations and exclusions listed in the Combined Financial Services Guide and Product Disclosure Statement (PDS) and on other policy documentation, including the schedule.
Instant payouts on approved claims with PassportCard
When you choose PassportCard, you’ll enjoy the extra peace of mind of knowing you’ll be able to cover most expenses there and then if something goes wrong.
When you purchase one of our travel insurance policies, we’ll ask you if you’d like a PassportCard to take with you on your trip. If something happens while you’re away (like your luggage is delayed, your cash is stolen or you experience a medical issue), our team can handle your claim quickly over the phone and transfer funds to your PassportCard on-the-spot**.
If approved, you’ll be able to withdraw cash to cover expenses that can arise from things like delayed luggage or stolen cash, or if it’s a medical issue, we can instantly add funds to your PassportCard so you can immediately pay for expenses when you need to.
You won’t need to fill out any paperwork and instant access to funds means you won’t be left out of pocket.
Find out more about how instant claims work or get a quote for your upcoming trip.
Hassle free travel insurance
While it costs a little upfront to take out travel insurance, it does reduce many of the financial risks associated with travel, providing valuable reassurance that you won’t be left on your own to foot the bill if things go wrong.
Fill in your personal details and we’ll take it from there!
When you take out a policy, we’ll ask if you would like a PassportCard to take on your trips. This allow you to pay expenses for approved claims so you can get back to enjoying your holiday without being out of pocket. Most claims can be managed in minutes.
Pregnancy travel insurance FAQs
Provided you will be less than 26 weeks pregnant (i.e. no more than 25 weeks and 6 days) at the time of travel and you meet all other requirements for cover while pregnant, you don’t need tell us about your pregnancy. However, if you are at all unsure if you meet the criteria for automatic cover, it’s important that you contact us by calling 1300 123 413 for information tailored to your personal circumstances.
No, we do not offer insurance if your pregnancy is past the 26th week.
Our travel insurance does not provide cover for childbirth or care for your newborn child if they are delivered while you are overseas.
Our travel insurance doesn’t provide cover for your regular antenatal appointments. While you are welcome to arrange an antenatal check-up with a doctor in the location you are travelling to, you will need to cover the associated costs.
Provided you meet the criteria to be automatically covered for pregnancy, you don’t need to do anything. However, if you are at all unsure if your policy will cover you, please call our customer service team on 1300 123 413 for information tailored to your individual circumstances.
Our travel insurance won’t provide coverage for any pregnancy-related medical or hospital costs incurred in Australia (or in Australian waters) if they are covered by Medicare or Australian private health insurance. However, it is still a good idea to have travel insurance to provide cover for other non-medical events, such as if pregnancy complications require you to cancel your domestic trip.
If your health circumstances have changed since you purchased your policy, it’s important that you let us know before your intended departure date by calling our customer service team on 1300 123 413.
Get cover for your next trip with PassportCard
Tips when travelling while pregnant
Travelling while pregnant can be a wonderful and memorable experience, but it does require some extra preparation. To help you have the best possible experience and make the most of your time away, here are some helpful tips to ensure your travels are as worry-free as possible.
- Before booking your trip, speak to your doctor to understand the risks associated with travelling while pregnant and follow their advice. They should also be able to advise on any vaccinations you will need and whether it is safe to have them while pregnant
- Time your travel carefully to give yourself the best chance of a safe and pleasant experience. Many women find they’re most comfortable travelling during the second trimester of pregnancy
- If you’ll be flying or going on a cruise, check the airline or cruise operator’s policy for information about travelling while pregnant. Some airlines and cruise operators may require you to carry a letter from your doctor confirming you are fit to fly in the later stages of pregnancy or may restrict you from travelling entirely
- If travelling overseas, carefully research the destination/s before you travel to understand the risks, as the sanitary, hygiene and medical facilities in some countries can be very different to what you might be used to in Australia
- If you take any medications, ensure you take a large enough supply to last the entire duration of your trip, as well as some extra in case you experience any delays
- Carefully choose where you dine and the foods you eat to minimise the risk of food poisoning
- Ensure you organise suitable travel insurance that will cover you to travel while pregnant.