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Pregnancy travel insurance

Compare pregnancy travel insurance quotes

  • Find cover for medical treatment, cancellation and personal belongings

  • Compare quotes from Admiral, Flexicover and many more

  • Compare some policies with covid cover

Can I get travel insurance that covers COVID-19?

Yes, you can still compare and purchase travel insurance with COVID-19 cover from Confused.com. All of our providers offer emergency medical treatment and repatriation (returning to the UK) for COVID-19 claims.

Many of our providers offer further Covid-19 related cover such as holiday cancellations, accommodation costs and denied boarding. Be sure to check the details of your policy carefully as different providers will offer different policy enhancements.

It's important to note that if you travel against advice from the Foreign, Commonwealth and Development Office (FCDO), you won't be covered by any travel insurance policy you buy.

Do I need specialist pregnancy travel insurance?

No, you don't need a specialist travel insurance policy to travel while pregnant. Standard single-trip and annual travel insurance policies should cover pregnancy - if in doubt, double-check the policy terms and conditions.

Pregnancy isn't classified as a medical condition, so it shouldn't impact the price you pay for your policy.

What does pregnancy travel insurance cover?

A travel insurance policy that covers you while pregnant should include cover for:

  • Medical treatment in case you're unwell while abroad
  • Emergency repatriation back to the UK if you can't travel by your pre-booked transport
  • Holiday and flight cancellations if you've been advised by your doctor not to travel
  • Your luggage and money in case they are lost, stolen or damaged during your stay
  • Travel expenses like food and alternative accommodation if there are travel delays
  • Pregnancy-related medical attention while abroad, including hospital bills for early birth or pregnancy complications

If you’re not sure what's covered in your policy, check the policy details or contact your insurer directly.

Is it safe to fly when pregnant?

If you take the proper precautions, travelling during pregnancy should be perfectly safe.

Current NHS advice doesn’t advise against travelling while pregnant. But the first 12 weeks of pregnancy can be associated with nausea, vomiting, tiredness, and higher risks such as miscarriage. This may mean you want to avoid travelling during this time. We recommend reading NHS guidelines before deciding to travel abroad.

Travelling towards the end of your pregnancy can be tiring and uncomfortable, but it’s also generally riskier. The chances of going into labour increase at around 37 weeks (32 if you’re carrying twins), so you may want to avoid travelling after this time.

Can I fly when pregnant?

During your first 2 trimesters, most airlines shouldn't have any issues with you travelling when pregnant. In your third trimester, some airlines won’t let you fly with them. Some might ask you for a letter from your doctor or midwife confirming your due date, and that you’re not at risk of complications.

Each airline has different procedures in place when it comes to flying while pregnant. So before booking any flights, check with the airline on the policies they have in place on travelling while pregnant.

It's also worth speaking to your doctor before deciding to travel.

can i fly when pregnant graphic chart

Do I need pregnancy travel insurance if I have a GHIC card?

If you have a Global Health Insurance Card (GHIC), which has replaced the European Health Insurance Card (EHIC), you still need travel insurance. While it's a handy card to have - allowing you to access cheap and in some cases free healthcare - it's not a replacement for insurance.

How do I get a quote?

No matter what stage of pregnancy you're at, we're here to help.

Just follow these steps to get a quote:

  • Choose the type of cover you need - single trip, annual or backpacker travel insurance
  • Enter some details about yourself and where you’re travelling
  • Select the start and end date of your trip
  • Declare any pre-existing medical conditions
  • Add any extra cover you need, like cruise cover and business travel insurance

We’ll then compare pregnancy travel insurance quotes from our panel of travel insurance providers.

Compare pregnancy travel insurance quotes from 45 insurance providers

What do I need to do before I travel when pregnant?

Here are some useful tips to help ensure you're covered while travelling when pregnant:

  • Check that your doctor's happy for you to travel.
  • Check the airline's guidelines for travelling when pregnant. If you travel against these, any claims you make may be void.
  • Check the policy details before you buy as policies about travelling when pregnant can vary between insurers.
  • Tell your airline that you’re pregnant before you travel. Otherwise, they could refuse you to travel.
  • Take a copy of your travel insurance policy with you, including all emergency contacts.
  • Keep a copy of your medical notes with you in case you need treatment while you’re away.

The rules can vary depending on how and where you plan to travel. For example, many major airlines let you fly well into your third trimester. But many major cruise operators won't let you travel if you're over 24 weeks pregnant.

Do I need to declare my pregnancy for travel insurance?

No, you don't have to declare your pregnancy when getting a travel insurance policy. But you could tell your travel insurance company about your pregnancy so they can make sure your policy suits your needs.

If you have any medical conditions associated with your pregnancy, though, you should tell your insurer. This is to make sure that any potential risks and complications are factored into the policy.

What pregnancy documents do I need to take with me?

Your travel provider or insurer can tell you exactly what documents to take on a trip, but you'll usually need:

  • Your travel insurance policy
  • Maternity notes
  • A GHIC or EHIC
  • A fit-to-fly letter, if you've been given one by your GP
  • Any medication you're taking

Is pregnancy classed as a medical condition for travel insurance?

No, most insurers don't consider pregnancy to be a medical condition. So getting a travel insurance policy while you're pregnant shouldn't cause any issues.

It's worth thinking about what stage of your pregnancy you'll be in when you're travelling. Speaking to your doctor will help clear up any concerns you have about travelling.

If you have a valid European Health Insurance Card (EHIC), you should carry this with you. It's not a replacement for travel insurance, but it will entitle you to state-level medical care in most European countries.

If you have a serious pre-existing medical condition, you can still use our site to get a quote. These conditions could include:

  • Cancer
  • Stroke
  • Heart conditions
  • Respiratory conditions
  • Terminal conditions

You need to declare any pre-existing conditions before buying your policy. If you try to claim for a medical condition you didn’t declare, your insurer might not pay out.

Some insurers might not cover you if you already have a serious medical condition, or if you have a number of conditions. Others might only offer insurance at a much higher price.

If you’re unable to find suitable cover, the Money and Pension Service (MaPS) has also set up a directory of insurers willing to cover customers with pre-existing medical conditions.

You can find their directory of insurers on the MaPS website or you can telephone 0800 138 7777 for free impartial advice.

Compare pregnancy travel insurance quotes

Expert quote

You might think that getting travel insurance when you're pregnant is more difficult, but you can get a quote just as easily as you did before. Most insurers don't consider pregnancy to be a medical condition, so it shouldn't impact the cost of your policy.
Jac Morris Travel & Pet insurance expert signature

Jac Morris

Travel insurance product executive

Need more help?

What happens if I go into labour abroad?

If you go into labour while abroad, you’ll need medical treatment in the local hospital wherever you are. This is why it's best to have a travel insurance policy with the right level of cover in place.

This could include cover for medical expenses, costs for accommodation and travel to get you home after you’ve given birth.

Carrying a valid EHIC or GHIC card will also provide you with state-level care in most European states.

When should I buy pregnancy travel insurance?

You should buy your travel insurance as soon as you’ve booked your holiday. This is so you’re covered for any cancellations to your travel and accommodation as you get closer to your trip.

How easy is it to get a quote if I’m pregnant?

Getting a travel insurance quote when you’re pregnant is no different to getting one when you’re not pregnant. But you'll have peace of mind knowing that if anything unexpected happens, you're covered and eligible for local medical treatment.

What isn't covered?

Most travel insurance policies won’t cover:

  • Travelling against Foreign, Commonwealth and Development Office (FCDO) advice.
  • Not declaring a pre-existing medical condition before you travel. If you need medical treatment or assistance on your trip for that specific condition, you won’t be covered.
  • Any incidents involving alcohol or drugs.
  • Delays in reporting incidents. Always report any stolen or lost property within 24 hours of the incident.

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