Will your travel insurance cover you while you are pregnant?

Does your travel insurance cover pregnancy?

Mostly not. Every policy excludes pregnancy or childbirth in some form. Four set a week or date test, three exclude pregnancy in general terms, and Allianz Partners’ exclusion names normal, complication-free pregnancy.

Policies with a week or date test:

• Orient excludes pregnancy or childbirth if you are more than 24 weeks pregnant at the start of the journey.¹
• GIG Gulf treats anyone expected to give birth before, during or within two months of the trip as failing a health condition, unless GIG Gulf agrees in writing first. It also excludes illness or conditions related to pregnancy under Chapters A to H, which include its emergency medical chapter.²
• Daman lists women after the 36th week of pregnancy, or the 32nd week for a multiple pregnancy, as not fit for travel. Its general exclusions list illness or injury from pregnancy and childbirth, any complication, and voluntary termination.³
• Liva excludes cancelling because you are pregnant unless your due date is more than 10 weeks after your intended return. Its medical and accident sections exclude costs from pregnancy, childbirth, miscarriage or abortion, except miscarriage from an accidental injury in the medical section.⁴

Policies that exclude pregnancy with no week test:

• Salama excludes illness or injuries caused by pregnancy and childbirth, any complication, and voluntary termination.⁵
• AIG excludes pregnancy and all related conditions, and infertility treatment and birth control.⁶
• The Mastercard card excludes pregnancy and all related conditions in medical expenses, cancellation and cutting a trip short. Its hospital cash benefit excludes pregnancy, childbirth, miscarriage and disease of the female reproductive organs.⁷

Allianz Partners excludes normal, complication-free pregnancy or childbirth, except where its cancellation or interruption cover refers to it.⁸ The wording does not say what applies to a complication.

Ask your insurer whether a pregnancy complication counts as a medical emergency under your policy.

Does a week limit apply to every part of your policy?

No. A test in one section does not answer another. Liva’s 10-week rule is in its cancellation section, and its medical section excludes pregnancy costs in separate terms.⁴ Daman has three separate pregnancy exclusions, one each for cancellation, personal accident and general exclusions.³ Check each section you might claim under.

Can you cancel your trip if you find out you are pregnant?

Allianz Partners is the only one of these policies that lists finding out you are pregnant after buying the policy as a cancellation reason.⁸ Elsewhere, pregnancy limits a cancellation claim:

• Liva excludes cancellation because you are pregnant unless the expected birth is more than 10 weeks after your intended return.⁴
• Daman excludes cancellation claims from childbirth, pregnancy or complications within 2 months of the estimated delivery date.³
• GIG Gulf’s cancellation chapter excludes injury or illness resulting from pregnancy.²
• Mastercard excludes pregnancy and related conditions from cancellation and cutting a trip short.⁷

Does a relative’s pregnancy affect your cover?

It can. GIG Gulf’s two-month rule reaches anyone your trip plans depend on.² Allianz Partners lists attending the birth of a family member’s child as a covered reason in its cancellation and interruption sections.⁸ AIG’s definition of a child requires that the child is not pregnant.⁶

Can your newborn travel on the policy?

From a minimum age that runs from birth to above 6 months, depending on the policy. The limits are in travel insurance age limits. Daman’s not fit for travel list also names infants under 48 hours old.³

The small print

• Daman’s terms. Daman’s definition of an emergency mentions an unborn child, and the wording does not say how that sits beside its pregnancy exclusions. Its not fit for travel list states no outcome. A separate general exclusion names travelling when the Assistance Company considers you not fit to travel, and the text does not link the two.³ Ask Daman.
• GIG Gulf chapters. The two-month health condition applies to Chapters A to H, L and Q. Chapter L excludes bodily injury or illness resulting from pregnancy, and Chapter Q excludes injury caused directly or indirectly by pregnancy.²
• Clause names. Orient, General Exclusion 17. Salama, General Exclusion u). AIG, General Exclusion 15. Allianz Partners, General Exclusion 4 and Trip Cancellation reason 16. Liva, Section A exclusion 5, Section B exclusion 6, Section C exclusion 6.