Travel insurance when pregnant

5 minutes

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A relaxing break can be just the tonic when you're pregnant. Here's everything you need to know about taking out travel insurance during your pregnancy. 

What you need to know about travel insurance when pregnant

Preparing for life with a new baby – even if it’s not your first – is daunting so you deserve to get away before your family grows. Travelling when you’re pregnant in most instances is absolutely safe for both you and your baby until the very end stages. Of course, as with any trip, you’ll want to make sure you have a travel insurance policy that has you covered.

When you're pregnant, there are 101 things to think about. But most important is the health and wellbeing of your baby, whether you’re in the UK or overseas on holiday.

Travel insurance for pregnant women is especially essential to ensure you get any care you may need without having to worry about the cost. While most insurance companies don't class pregnancy as a medical condition, there may be some restrictions about what you're insured for and when.

When should I travel while I'm pregnant?

Deciding when to travel during pregnancy depends entirely on how you feel if your doctor hasn’t explicitly told you not to travel. Many women try to avoid travel during the first trimester as this is often the worst time for morning sickness and fatigue. 

Between months four and six can be a good time to take a break, as long as your midwife and doctor are happy for you to travel.

Towards the end of your pregnancy, the thought of travelling could be less appealing, particularly on a long-haul plane journey. There may also be restrictions about when you can travel by certain types of transport as you get towards the end of your pregnancy.

It's always best to check with your operator before you travel as many have differing policies. It’s always important to check these as you may not be covered by your policy if you don’t adhere to the restrictions.

What type of travel insurance policy should I take out?

When searching for the right travel insurance, pregnant women should check their policy covers medical cover for someone who is pregnant. 

At LV=, our travel insurance doesn’t consider pregnancy to be a medical or pre-existing condition. If you travel during your pregnancy and need urgent medical care overseas, we’ll be there to cover the cost. 

If you travel against medical advice, then you won’t be covered by travel insurance. However, if you booked your holiday before you were pregnant, and then you’re told you can’t travel on medical grounds, we’ll provide cancellation cover.

Do I need to tell my travel insurance company that I’m pregnant?

You don’t usually need to notify your travel insurance provider of your pregnancy, but if you’re concerned, contact your insurer to find out the details. However, checking your travel insurance details before you set off is advised.

Do I need to tell the airline I’m pregnant?

Yes, it’s best to call your airline to let them know how many weeks pregnant you are when you plan to fly. They may need a letter from your doctor or midwife saying it’s safe for you to travel. Although flying isn't harmful to you or your baby, there's an increased risk of going into labour from about the 36th week. Many airlines won't let you fly at all after you're 37 weeks pregnant (32 if you’re carrying twins).

What will I be covered for with my travel insurance when pregnant?

It’s very important to check you’re covered for overseas medical care during an emergency. 

Your travel insurance should also cover the cost of your holiday if you are unable to travel because your doctor advises you not to.

LV= can also provide cover if you decide to abandon your holiday because your transport is delayed by more than 24 hours or it gets cancelled. You won’t be covered to cancel just because you no longer want to travel though so make sure you consider your travel plans carefully.

What should I think about before I travel when pregnant?

Making sure you have appropriate insurance policy is the most important thing to do before you travel. There are other key points to keep in mind, too:

If you’re planning to get pregnant or are already pregnant, you should avoid travelling to countries where there is a risk of contracting the Zika virus. If you do book a trip to an area known to have the Zika virus, there will be no cancellation cover and medical costs may not be covered.

Try to avoid travelling to places where you need vaccinations when pregnant. However if you need to travel, speak to your GP about what vaccinations are safe.

Food and drink
Check if you can drink water from the taps locally. If in doubt, buy bottled water. Ensure food is thoroughly washed in suitable drinking water and cooked thoroughly. 

Take your maternity notes with you
Just in case anything happens, it’s best that the local doctors know how your pregnancy has progressed so far. If you're travelling to Europe, take your EHIC  as well.

Ready to book a well-deserved ‘babymoon’ now you know all about travel insurance and pregnancy? Just don't forget to get a quote for travel insurance.

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All content is approved by our in-house advisory board of experts.