Does travel insurance cover pregnancy?

Fast Cover travel insurance can include cover for unexpected serious complications of pregnancy and childbirth that occur. 

  • Up to the end of the 23rd week of pregnancy if You are pregnant with a single child; or  
  • Up to the end of the 19th week of pregnancy if You are pregnant with twins or multiple children. 

Keep in mind whether we list a pregnancy condition as covered or not, we will not pay any claim or loss directly or indirectly related to or arising from:  

  • Your pregnancy or the pregnancy of any other person after the end of the:  

    • 23rd week of pregnancy with a single child; or  

    • 19th week of pregnancy with multiple children,  

  • Childbirth unless it is due to the listed complications of pregnancy and childbirth in Table 1.1 on page 17 of PDS and it is listed on your Certificate of insurance as a covered condition, or you have been diagnosed for these complications during your trip,  

  • The health or care of a newborn child whatever the cause of the claim is (if you deliver overseas for any reason, including premature birth, there is no cover for costs related to caring for the child or children), or  

  • Antenatal care, including medications and vitamins. 

Keep in mind that we do not cover any claims under the policy benefits arising from a pregnancy condition that existed during:  

  • The period of 3 years prior to your policy issue date; or  

  • The period between the time of your policy issue date and the date of departure for your trip (other than for a claim under Benefit 5: Trip Cancellation Expenses, relating to the cancellation or rescheduling of your trip between the time of your policy issue date and the date of departure for your trip), unless we agree to list the relevant pregnancy condition as covered on your Certificate of insurance.  

If any changes in health occur after we have listed any pregnancy condition as covered and before the date of departure for your trip, the cover for those listed conditions is automatically excluded from that time unless you undertake an additional medical screening, and we agree to list them as covered.  

Every pregnancy is different, which is why each claim is looked at individually on a case-by-case basis. Claims are only paid if they meet the terms, conditions, limits, and exclusions of your policy. It’s always best to check the PDS so you know exactly what’s included before you travel.