Pregnancy Travel Insurance Cover FAQs
At Cover-More, we understand pregnancy and travel can bring a whole new set of concerns and questions when it comes to travel insurance.
To help, we’ve put together a list of frequently asked questions about our pregnancy insurance cover so you can plan you holiday or “babymoon” with greater confidence.
From cover for overseas medical expenses if you miscarry overseas to who must pay for medical bills if you give birth outside of Australia, keep reading below.
Looking for why pregnancy insurance cover is important when travelling? Visit our pregnancy travel insurance page. Or, for more general travel insurance questions, see our most common FAQs here.
Ready to get a quote? Generate a quote online now.
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Can I buy Cover-More travel insurance if I’m pregnant?
If you’re currently pregnant (congratulations!), you can buy a Cover-More travel insurance policy. However, there are cover restrictions you should be aware of, which are outlined in the PDS.
Plus, if you’ve had complications with this or a previous pregnancy, if you’re having more than one baby (e.g. twins or triplets) or if the baby was conceived medically (e.g. using fertility treatment such as IVF), you’ll need to tell us via our online health assessment. This can be completed during the quote process, and an additional premium may apply for pregnancy insurance cover if cover is approved.
Does Cover-More's pregnancy insurance cover have any restrictions?
Whether or not you have to apply for pregnancy cover, some restrictions apply to claims arising in any way from the pregnancy of a Cover-More customer.
Restrictions pregnant travellers need to be aware of are:
- Cover is only provided for serious, unexpected pregnancy complications that occur up until the 24th week of pregnancy i.e. up to 23 weeks, 6 days. (Gestational age is measured in weeks and days and is calculated from the last known date of your menstrual period or calculated from staging ultrasound.)
- Childbirth is not covered.
- Costs relating to the health or care of a newborn child are not covered, irrespective of the stage of pregnancy when the child is born.
For more information on our cover restrictions for pregnancy and travel, please read the PDS.
If you are planning on flying while pregnant, you may need to consider your chosen airline’s restrictions for pregnancy. For more information, visit our airline restrictions placed on pregnant travellers page.
Will my medical bills be covered by Cover-More's pregnancy insurance cover if I give birth on my trip?
No. Costs that arise from giving birth or caring for a newborn child – regardless of the stage of pregnancy at which the child is born – are not covered by a Cover-More travel insurance policy.
We recommend expectant mothers should consider whether our cover is suitable for their trip, particularly if they’re planning to travel beyond the 20th week of pregnancy. This is because costs associated with giving birth and neonatal care are expensive overseas.
Does Cover-More’s pregnancy insurance cover include IVF pregnancies?
If you know you’re pregnant when you intend to buy a policy from us, and the conception was medically assisted (e.g. by using hormone therapies or IVF), you’ll need to apply for cover of your pregnancy.
This can be done by completing a medical assessment online while generating a quote or by calling us on 1300 72 88 22 during Australian business hours.
If I’m currently undergoing fertility treatment but I’m not yet pregnant, do I need to fill in a medical assessment for Cover-More travel insurance?
Yes. If you’re currently undergoing any fertility treatment (such as hormone therapies or IVF), you will tell us when you fill in the medical assessment online during the quotation process.
If for any reason you have issues with filling out the online medical assessment, please call our team on 1300 72 88 22.
What should I do if I miscarry or suspect that I am about to miscarry while overseas?
If you are pregnant and develop any pain or bleeding while you’re travelling, you should seek prompt medical review from local emergency services at your destination.
You can also call our 24-hour Emergency Assistance team if you need assistance – they can point you in the direction of the most appropriate medical facility for you based on your location. They can also provide emotional support if needed.
Am I covered under Cover-More's pregnancy insurance cover if I suffer a miscarriage overseas?
Firstly, we’re sorry if this has occurred. Please know our 24/7 Emergency Assistance team will be available to assist you as best they can during this hard time.
Secondly, please have your policy number handy when you call our Emergency Assistance team for assistance so we’re best equipped to help you.
The policy provides cover for overseas medical expenses for things including the medical review, investigation, medication, or surgery required because of an unexpected, serious medical complication that happens before the 24th week of pregnancy.
What do I do if I need unexpected, immediate treatment related to my pregnancy while I’m overseas?
For immediate medical treatment overseas, call the local emergency services if you need an ambulance or head to the nearest hospital for help.
As soon as it’s safe to do so, call our 24-hour Emergency Assistance team – or have someone call us on your behalf. We can then assist you with your claim and monitor your medical care to ensure you receive the medical attention you need.
What do I need to provide when making a pregnancy-related travel insurance claim with Cover-More?
To help increase your chances of successfully lodging your claim, we’ll need:
- a medical report from overseas
- information on your pregnancy from your GP (depending on how far along you are)
- information on your medical history from your GP
- itemised bills showing the cost of any treatment you received overseas
If your claim is approved, we may be able to deal directly with the hospital or medical provider caring for you as we can usually make payment directly to them so you can focus on recovering.
Am I covered by Cover-More travel insurance if I need to terminate the pregnancy overseas?
There is no cover under our Cover-More travel insurance policies for any elective procedures, which may include terminating a pregnancy.
Our pregnancy insurance cover only includes cover for unexpected, serious medical complications of pregnancy that occur before the 24th week. Or, if you’re a Comprehensive or Comprehensive+ policyholder with cancellation cover, our Cancellation Extensions can cover you for complications of pregnancy from the start of the 24th week up until the start of the 32nd week (or up to the start of the 28th week for a multiple pregnancy)*.
What happens if I become pregnant after I buy a Cover-More travel insurance policy?
If you’ve already bought your policy and then found out you are pregnant, you may need to ensure you’re adequately covered for your planned trip/s:
- Single Trip policies: you don’t need to apply for extra cover as your pregnancy was not an existing medical condition at the time of purchase.
- Annual Multi-Trip policies: you don’t need to apply for extra cover for any trips already booked prior to finding out you’re pregnant. For any future trips, you’ll need to complete an online medical health assessment if you meet any of the criteria listed in the PDS for when extra cover is required (i.e. complications with this pregnancy or a previous pregnancy; you’re having a multiple pregnancy such as twins or triplets; or your conception was medically assisted such as using IVF) to ensure you’ve got cover for any upcoming trips you’re yet to book.
Feel free to call our team on 1300 72 88 22 during Australian business hours to discuss any policy changes that may be required.
Please also familiarise yourself with the restrictions of pregnancy insurance cover, which can be found in the PDS.
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*Conditions apply if you are aware of the pregnancy at the relevant time. See the PDS for full details.