Does travel insurance cover miscarriage while overseas?

Pregnancy related conditions, including miscarriage, may be covered in certain situations, provided the pregnancy meets the policy conditions. Generally, cover may apply for overseas emergency medical and hospital expenses related to a miscarriage, as long as the pregnancy has not exceeded the gestational limits stated in the PDS and the condition is not considered a known or existing medical condition under the policy definitions. 

The PDS also outlines that routine pregnancy care, childbirth, and complications arising after the specified gestation period are not covered. If a miscarriage occurs as a result of an excluded event or condition, such as participation in an excluded activity or an existing medical condition that has not been assessed or covered, related claims may not be payable. 

Cover depends on factors such as the stage of pregnancy, your medical history, the reason for treatment, and whether all policy terms, conditions, limits, and exclusions have been met. 

Every claim is reviewed individually on a case-by-case basis and will only be paid if it meets the terms, conditions, limits, and exclusions in your policy. Always check the PDS carefully so you know exactly what’s included before you travel.