sub-limits:
Can I get travel insurance while I'm pregnant?
If you answer 'Yes' to all of the below questions, Fast Cover travel insurance will provide you with cover for your pregnancy**.
- You are pregnant with a single child, and you will be less than 24 weeks pregnant on the return date of your trip?; or
- You are pregnant with twins or multiple children, and you will be less than 20 weeks pregnant on the return date of your trip?
- You've had a complication** free pregnancy thus far?
- Your doctor or medical practitioner is comfortable with you travelling?
Yes
If you answer 'No' to any of these questions, we may still be able to help.
Call us on 1300 409 322 and one of our Travel Insurance Specialists can discuss your situation with you.
What type of pregnancy is or isn't covered
There are a number of general exclusions that aren't covered by travel insurance. If these are relevant to you or your pregnancy, explore your travel insurance options carefully and you may need to consider travelling closer to home.
Covered
- 1-23 weeks pregnant (single)
- 1-19 weeks (multiple)
- No complications**
- Fit to travel
- Multiple pregnancy
Not Covered
- 24 weeks or more (single)
- Care for your newborn child
- 20 weeks or more (multiple)
- Experienced complications**
- Medically assisted conception
- Travelling against medical advice
- Childbirth
- Antenatal care & Routine checkups
- Travelling for fertility treatment
- Medical expenses you incur within Australia
We've made buying travel insurance fast and simple for pregnant travellers
Cover for pregnancy is simple with Fast Cover. We are able to provide cover for your complication free pregnancy and don't require you to complete any medical questionnaires.
Testimonial
I have never had to make a travel claim before and was a bit dubious about the process. I was pleasantly surprised
with the prompt service, quick reimbursement and integrity of staff.
Thank you.
Steph, Camberwell
Key travel insurance policy features to look for when you're pregnant
Choose your Plan
Comprehensive |
Standard Saver |
Basics |
|
|---|---|---|---|
Unlimited emergency medical & hospital expenses* |
✔︎ | ✔︎ | ✔︎ |
| Unlimited cover 24/7 for Emergency Medical Assistance* | ✔︎ | ✔︎ | ✔︎ |
| Cover for Personal Liability | ✔︎ | ✔︎ | ✔︎ |
| Cover for cancellation expenses before or during your holiday | ✔︎ | ✔︎ | |
| Cover for your luggage and personal belongings should it be lost, stolen or damaged | ✔︎ | ✔︎ | |
| Travel Delays during your journey | ✔︎ | ||
| Special Event Transport Expenses | ✔︎ | ||
Loss of income should you be unable to work because of an injury during your holiday |
✔︎ |
Buy travel insurance early, particularly when pregnant
As soon as you purchase your travel insurance and are issued with your policy, you'll have instant cancellation cover.
If you or a family member*:
- Become sick
- Are injured
- Have a pregnancy complication
- Can't travel due to a natural disaster
- Or need to cancel your trip for any claimable event
You're covered for cancellation costs of:
- Flights
- Hotels
- Cruises
- Tours
- etc
Claimable cancellation examples
- If you have your regular check-up and have signs of toxemia or pre-eclampsia and have to cancel your trip because you are unable to travel.
- An outbreak such as the Zika Virus occurs at your intended destination after you have booked your trip and it is now no longer safe for pregnant travellers.
- You are involved in an accident such as a car accident~ and because of risk to your unborn baby or yourself, medical practitioners advises you to cancel your trip.
- A natural disaster such as the Bali ash cloud occurs after you have booked your trip and you are unable to get to your holiday destination.
- If you have another child and they fall ill or injure themselves which means your family is unable to travel.
Full policy benefits
The below outlines Fast Covers full policy benefits for Comprehensive, Standard and Domestic plans.
Medical Benefits |
Basics | Domestic Plus | Standard Saver | Comprehensive | Snow Sports Plus | Frequent Traveller Saver |
|---|---|---|---|---|---|---|
|
Overseas 24/7 Emergency Medical Assistance^ |
Unlimited | ––– | Unlimited | Unlimited | Unlimited | Unlimited |
|
Funeral/cremation Overseas and/or bringing your remains home (per person) |
$20,000 | $20,000 | $20,000 | $20,000 | $20,000 | |
|
Overseas Emergency Medical & Hospital Expenses^ |
Unlimited | ––– | Unlimited | Unlimited | Unlimited | Unlimited |
|
Overseas Emergency Dental |
$500 | ––– | $750 | $1,000 | $1,000 | $1,000 |
|
Overseas Emergency Evacuation & Repatriation |
Unlimited | ––– | Unlimited | Unlimited | Unlimited | Unlimited |
|
Overseas Hospital Cash Payment^ sub-limits: |
––– | ––– | ––– | $5,000 | $5,000 | $5,000 |
|
Daily Limit (per person) |
$50 | $50 | $50 | |||
|
Accidental Death Travellers Aged 80 to 89: |
––– | $25,000 $20,000 |
––– | $25,000 $20,000 |
$25,000 $20,000 |
$25,000 $20,000 |
|
Accidental Death for travellers up to age 79 |
$25,000 | $25,000 | $25,000 | $25,000 | ||
|
Accidental Death for travellers aged 80 - 89 |
$20,000 | $20,000 | $20,000 | $20,000 | ||
|
Accidental Death of a Dependant (per Dependant) |
$5,000 | $5,000 | $5,000 | $5,000 | ||
|
Permanent Disability^ Travellers Aged 80 to 89: |
––– | ––– | ––– | $50,000 $20,000 |
$50,000 $20,000 |
$25,000 $20,000 |
|
Permanent Disability for travellers up to age 79 |
$50,000 | $50,000 | $25,000 | |||
|
Permanent Disability for travellers aged 80 - 89 |
$20,000 | $20,000 | $20,000 | |||
|
Permanent Disability of a Dependant (per Dependant) |
$5,000 | $5,000 | $5,000 | |||
|
Loss of Income^ sub-limits: |
––– | ––– | ––– | $10,400 | $10,400 | $10,400 |
|
Weekly Limit (per person) - up to 26 weeks |
$400 | $400 | $400 |
Financial Benefits |
Basics | Domestic Plus | Standard Saver | Comprehensive | Snow Sports Plus | Frequent Traveller Saver |
|---|---|---|---|---|---|---|
|
Trip Cancellation Expenses sub-limits: |
––– | Unlimited | $25,000 | Unlimited | Unlimited | Unlimited |
|
Travel Agents Cancellation Fees |
$1,500 | $1,500 | $1,500 | $1,500 | $1,500 | |
|
Close Relatives that do not meet Close relative conditions |
$2,000 | $2,000 | $2,000 | $2,000 | $2,000 | |
|
Personal Liability |
$1,000,000 | $5,000,000 | $2,500,000 | $5,000,000 | $5,000,000 | $5,000,000 |
|
Trip Disruption Expenses sub-limits: |
––– | $50,000 | $30,000 | $50,000 | $50,000 | $50,000 |
|
Close Relatives with a Pre-existing Medical Condition |
$2,000 | $2,000 | $2,000 | $2,000 | $2,000 | |
|
Trip Resumption Expenses |
––– | $3,000 | $2,000 | $3,000 | $3,000 | $3,000 |
|
Luggage & Personal Effects sub-limits: |
Optional | $7,500 | $5,000 | $15,000 | $15,000 | $15,000 |
|
Personal computers,video recorders or cameras (per item) |
$3,000 | $3,000 | $3,000 | $3,000 | $3,000 | $3,000 |
|
Mobile phones (per item) |
$1,500 | $1,500 | $1,500 | $1,500 | $1,500 | $1,500 |
|
Tablets (per item) |
$1,000 | $1,000 | $1,000 | $1,000 | $1,000 | $1,000 |
|
All other unspecified items (per item) |
$750 | $750 | $750 | $750 | $750 | $750 |
|
Luggage and Personal Effects stolen from a Locked Storage Compartment of an unattended vehicle during daylight hours. We will pay up to $200 for each item and $2,000 in total for all stolen items. |
$2,000 | $2,000 | $2,000 | $2,000 | $2,000 | $2,000 |
|
Passports, Credit Cards & Credit Card Fraud^ |
––– | ––– | $2,000 | $5,000 | $5,000 | $5,000 |
|
Special Event Transport Expenses |
––– | $5,000 | ––– | $5,000 | $5,000 | $5,000 |
|
Rental Vehicle Excess sub-limits: |
––– | $5,000 | Optional | Optional | Optional | Optional |
|
Return of Rental Vehicle |
$500 | $500 | $500 | $500 | $500 | |
|
Travel Delay Expenses sub-limits: |
––– | $2,000 | ––– | $2,000 | $2,000 | $2,000 |
|
Daily Limit (per person) (we will pay up to $200 for each full 24 hours beyond the initial 6 hour delay) |
$200 | $200 | $200 | $200 | ||
|
Delay of Luggage and Personal Effects^ |
––– | ––– | ––– | $750 | $750 | $750 |
|
Theft of Cash^ |
––– | ––– | ––– | $250 | $250 | $250 |
Snow Sports Benefits |
Basics | Domestic Plus | Standard Saver | Comprehensive | Snow Sports Plus | Frequent Traveller Saver |
|---|---|---|---|---|---|---|
|
Snow Sport Equipment |
––– | $1,500 | ––– | ––– | $1,500 | ––– |
|
Snow Equipment Replacement Hire |
––– | $1,500 | ––– | ––– | $1,500 | ––– |
|
Snow Prepaid Expenses |
––– | $750 | ––– | ––– | $750 | ––– |
|
Snow Resort Closure sub-limits: |
––– | $1,000 | ––– | ––– | $1,000 | ––– |
|
Daily Limit (per person) |
$100 | $100 |
COVID-19 Benefits |
Basics | Domestic Plus | Standard Saver | Comprehensive | Snow Sports Plus | Frequent Traveller Saver |
|---|---|---|---|---|---|---|
|
COVID-19 Overseas Emergency Medical, Hospital & Medical Evacuation Expenses |
Unlimited | ––– | Unlimited | Unlimited | Unlimited | Unlimited |
|
Funeral/cremation Overseas and/or bringing your remains home (per person) |
$20,000 | ––– | $20,000 | $20,000 | $20,000 | $20,000 |
|
COVID-19 Trip Cancellation & Disruption |
––– | $3,500 | $3,000 | $5,000 | $5,000 | $5,000 |
Please note: This is only a summary of benefits. Policy terms, conditions, limits, sub limits and exclusions apply to each cover type. Benefit limits shown are for Single and Duo (per person) policies. Pooled Benefits mean that Family policy benefit limits apply for the whole family and are double the corresponding benefit limit under a Single policy, except for certain benefits - please refer to the Product Disclosure Statement for full details. ^Cover under these Benefits are excluded while travelling within Australia.
Our top 10 tips for travelling during pregnancy
Taking a holiday before your baby arrives can be a great way to relax before the sleepless nights attending to the little one start! Here are our top 10 tips for travelling while pregnant:
1. Choose an appropriate destination +
Long travel times whether that be by plane or road can be uncomfortable at the best of times and this can be amplified when pregnant. The further you go also means the further you are from home if you need or want to come home. An isolated quiet oasis has an obvious appeal for the relaxing environment you seek, but with the remoteness of such idyllic destinations often comes less access to quality medical facilities.
2. Consider which trimester you travel in +
You may find travelling in your second trimester is a better option than the first or third because: Nausea has most likely passed Miscarriage risk is lower Airlines and cruise ships have less restriction The chance of early birth is less You should have more option for your choice of travel insurance that provides cover for pregnancy
3. Check your airlines travel restrictions +
Most airlines will let you fly until the end of your second trimester. However, different airlines have different rules, so check you'll be OK to fly both at the beginning and the end of your holiday.
4. Discuss your travel plans with your doctor before you go +
Your doctor is a great resource for tips and advice, as well as specific information about the country you're planning to travel to.
5. Check your vaccinations and what vaccinations are safe to have while pregnant +
If you're going to a region where vaccinations are required, check you're still able to have these during pregnancy. Get advice from your doctor about the destination you have in mind, and be aware that malaria can be very dangerous for your baby.
6. Buy travel insurance with adequate cover +
Ensure you have adequate pregnancy travel insurance that covers your specific pregnancy for your trip. How many weeks' cover, how you conceived, whether you're pregnant with one or two babies or if you've had complications, all affect whether you'll have cover for pregnancy under your travel insurance policy.
7. Get up and move around on the plane +
The risk of deep vein thrombosis (DVT), which are dangerous blood clots in your legs, is increased during pregnancy. So remember to get up and move around the cabin from time to time if you're on a long flight. Consider purchasing some pressure stockings too.
8. Drink lots of water and stick to bottled water +
It's important to stay well hydrated, so be conscious of taking sips of water all day long, especially in a hot climate, purchase bottled water only and avoid ice cubes, vegetables and salads washed in locl water. Look for fruits you can peel such as oranges, bananas and mangoes.
9. Be careful what you eat +
Eat well while you're away, but watch out for foods that should not be consumed during pregnancy. Things like unpasteurized milk, raw or undercooked meat and certain fish like shark may be more available overseas, but may not be the best food choices while pregnant.
10. Avoid strenuous activities+
Aim to spend your time relaxing, reading and walking while you're away. It's important to be active during pregnancy, but you should reconsider the urge for scuba diving, riding rollercoasters or climbing mountains while you've got a baby on board.
Why choose fast cover for your travel insurance when pregnant?
As one of Australia's leading travel insurance industry experts, Fast Cover can provide you with travel insurance to suit your needs, even while you're pregnant. We've made our insurance simple and flexible so you can get the cover that's right for you.
-
Cover is provided up to and including 23 weeks for single pregnancies, and 19 weeks for multiple pregnancies
-
Underwritten by Lloyd's
-
Our travel insurance
specialists are on hand to help you
choose a policy which covers your needs. -
Multi award winning travel insurance
MOZO 2015 Best Value Comprehensive Cover
MOZO 2015 Best Value Seniors Comprehensive Cover -
The earlier you buy travel insurance, the earlier we can provide cancellation cover for money you've spent on hotels, flights or tours in the event of unexpected sickness, injury, family emergencies or natural disasters.
Ready to get a quote?
Important legal stuff you need to know
*See Product Disclosure Statement for full terms and conditions and exclusions and limits that apply. For travellers aged 80 and over, additional terms and conditions, limits and excesses apply.
**Complications means any secondary diagnosis occurring prior to, during the course of, concurrent with or as a result of the pregnancy, which may adversely affect the pregnancy outcome.
Benefit limits shown are for Single and Duo (per person) policies. Family policy benefit limits apply for the whole family and are double the corresponding
benefit limit under a Single Policy, except for certain benefits – please refer to the table of benefits in the
PDS for full details.
~You would only have cover for a car accident if you (or the person who is in control, if
you are the passenger) held a current Australian drivers license or drivers license valid for the country you are in.