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Want to bump up your vacation safety? Check out the plus side of packing our travel insurance while you’re pregnant.

How our travel insurance canhelp you during your pregnancy

Pregnancy can be full of surprises — but your trip shouldn’t be! From lost luggage to medical hiccups, we’re here to help if it’s safe for you to travel and your plans unravel.

If you’re packing for two …

From an extra pillow to prenatal vitamins, we can help with lost belongings, so you have what you need.

See our baggage benefits

If you want medical coverage …

Your health is important — especially in pregnancy. Whether it’s a sprained ankle or the flu, our coverage can help ease unexpected costs.

See our medical benefits

If your scheduled trip goes sideways …

Our trip cancellation coverage can help you recover costs so you can plan a new babymoon.

See trip cancellation benefit

If you want 24/7 support …

It’s included on all our plans — so you have a helping hand you can trust while you’re away from home.

See our assistance benefit

Here's what you get with our comprehensive plans for pregnancy

Want top-tier coverage for you and your bundle of joy? These plans pack our best travel insurance for pregnant women. With a wider range of benefits and up to nine optional upgrades, you can face potential mishaps with more confidence.

Before you buy: Are your older kids tagging along on your trip? You can get kids-included pricing on our Ultimate plan. It’s our best travel insurance for pregnancy with little ones in tow — because traveling for two (or more) deserves extra care.

Expecting parents with travel insurance for pregnancy run down a beach while holding hands with their children and carrying inflatable tubes

Ultimate

For travelers who want maximum protection.

Up to $50,000 trip cancellation
Up to $75,000 trip interruption
Up to $2,000 travel delay
Up to $250,000 emergency medical*
Up to $1,000,000 emergency evacuation and repatriation

Advantage

For travelers who want a step up from basic coverage.

Up to $10,000 trip cancellation
Up to $12,500 trip interruption
Up to $1,000 travel delay
Up to $50,000 emergency medical
Up to $250,000 emergency evacuation and repatriation

Essential

For travelers who want reliable coverage at a lower cost.

Up to $10,000 trip cancellation
Up to $10,000 trip interruption
Up to $600 travel delay
Up to $25,000 emergency medical
Up to $200,000 emergency evacuation and repatriation

Our plan benefits and coverage details	Ultimate	Advantage	Essential
Trip cancellation, interruption, delay, and inconvenience
Protects travel investments and recovers nonrefundable, prepaid costs if your trip is canceled for an eligible reason.	100% of trip cost ($50,000 maximum)	100% of trip cost ($10,000 maximum)	100% of trip cost ($10,000 maximum)
Protects unused, prepaid, and nonrefundable expenses and additional transportation to join the departed trip or return home if your trip is interrupted for an eligible reason.	150% of trip cost ($75,000 maximum)	$125% of trip cost ($12,500 maximum)	100% of trip cost ($10,000 maximum)
Reimbursement for reasonable additional expenses — such as accommodations, local transportation, and meals — if your trip is delayed for an eligible reason.	$2,000 ($250 per day maximum)	$1,000 ($250 per day maximum)	$600 ($200 per day maximum)
Reimbursement for luggage and personal articles if your bags are lost, stolen, or damaged.	$2,000 ($500 per item limit)	$1,000 ($500 per item limit)	$750 ($500 per item limit)
Reimbursement for personal articles — such as reasonable additional clothing and toiletries — if your bags are delayed by a common carrier.	$500	$200	$200
Reimbursement for reasonable additional lodging, meal expenses, and the prepaid, unused, and nonrefundable portion of the trip if you miss a connection for an eligible reason.	$750	$500	$150
Reimbursement for travel inconveniences such as a closed ski resort, golf course, or beach at your destination, or cruise disablement due to an eligible reason. Closed attractions: $200 maximum Closed beach: $200 maximum Cruise disablement: $200 maximum	$600	Not included	Not included
Emergency evacuation and repatriation
Coverage for physician-ordered medical evacuation to a hospital or home if an injury or sickness occurs while traveling. Also includes coverage for repatriation of remains if you pass away while traveling.	$1,000,000	$250,000	$200,000
Emergency medical expense
Coverage for emergency medical treatment if you have a sickness or injury while traveling on an insured trip. Residents of NH have up to $50,000 in emergency medical coverage with the Ultimate plan. Residents of CT, IN, KS, MO, MT, VT, and WA have a $50 deductible.	$250,000 *$50,000 for NH residents	$50,000	$25,000
Coverage for emergency dental treatment if you’re injured while traveling on an insured trip. Residents of CT, IN, KS, MO, MT, VT, and WA have a $50 deductible.	$500	$500	$500
If you meet the plan purchase requirements listed, exclusions for pre-existing conditions are waived. Exclusions do not apply to NH residents.	Included if plan is purchased within 21 days of first trip payment and full trip cost is insured	Not included	Not included
This represents the number of days to “look back” at changes in medical history and determine if a claim is related to a pre-existing medical condition. The days are counted backward from the day preceding the policy purchase date.	90 days Does not apply to NH residents	120 days Does not apply to NH residents	180 days Does not apply to NH residents
If you need to file a claim, your plan benefits will be used first as primary coverage. Our Essential plan provides excess medical coverage unless you’re a CT resident, in which case you’d have primary coverage.	Included	Included	Not included (secondary coverage) Included for CT residents
Accidental death and dismemberment
Coverage if you have an eligible loss, such as your life or a limb, as a result of an eligible injury while on an insured trip. Exclusions may apply. See policy for details.	$25,000	$20,000	$10,000
Coverage if you’re exposed to weather or disappear due to an accident that results in an eligible loss.	$25,000	$20,000	$10,000
Other benefits
If you need help while you’re traveling, our team of assistance experts is available 24/7 to help you with medical emergencies, language interpretation, prescription refills, and much more.	Included	Included	Included
We can provide coverage at no additional cost to one travel companion aged 17 years old or younger per each insured adult traveler. Each insured adult traveler on the Ultimate plan must be aged 18 years or older for the child to be eligible. The child’s individual trip cost must be equal to or lower than the insured adult’s individual trip cost for coverage to apply. If upgrades are selected and included in the policy, each traveler will be charged the applicable premium for the upgrade.	Yes	No	No
The plan you choose will provide coverage for a trip length up to the number of days shown. It’s important to check that the plan’s maximum trip length will insure your entire trip or coverage may not apply.	Up to 180 days	Up to 30 days	Up to 30 days
We offer coverage for most U.S. states and international locations, excluding trips to, through, or from destinations sanctioned by Zurich Group or the U.S. Department of the Treasury’s Office of Foreign Assets Control (OFAC). Please check the OFAC website and our travel alerts page for information on affected countries.	All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.	All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.	All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.
This is the number of days after purchasing your policy during which you may cancel your policy and receive a premium refund, as long as you have not departed or filed a claim. We count the date you purchase your policy as day one of your review period.	21 days	21 days	21 days
We provide coverage for certain sports and activities, including kayaking, horseback riding, and hiking. To include coverage for excluded activities, such as skiing or scuba diving more than 75 feet, consider adding our adventure activities upgrade.	Included, but limited to eligible activities (optional upgrade available for additional activities)	Included, but limited to eligible activities (optional upgrade available for additional activities)	Included, but limited to eligible activities (optional upgrade available for additional activities)
Optional upgrades
If you include this upgrade, you can be reimbursed up to 75% of your prepaid, nonrefundable trip costs (up to $7,500) if you need to cancel your trip. You must cancel at least two days prior to your scheduled departure date. To get cancel for any reason coverage, you must insure all your nonrefundable trip expenses in your plan, your trip cost can’t be more than $10,000, and you must purchase the upgrade 31 days or more before your departure date. You also must purchase the cancel for any reason upgrade with the Ultimate plan within 21 days of your initial payment for your trip. Subsequent arrangements must be insured within 14 days of booking those arrangements. Cancel for any fortuitous reason in NY.	Available (75% of insured trip cost up to $7,500)	Not available	Not available
If you include this upgrade in your policy, you can have coverage up to $50,000 ($100 deductible) for collision, vandalism, windstorm, theft, hail, fire, or flood damage to your rental car while on your trip. This upgrade is not available in all destinations, including Costa Rica, Ireland, Jamaica, and Mexico. Please contact our customer service team at 1-800-228-9792 to check if coverage is available for your trip.	Available ($50,000 with a $100 deductible)	Available ($50,000 with a $100 deductible)	Available ($50,000 with a $100 deductible)
If you include this upgrade in your policy, you can increase your emergency medical expense coverage limit by $250,000. Not available to NH residents.	Available (additional $250,000) Not available to NH residents	Not available	Not available
If you include this upgrade in your policy, you can have protection for the following activities that are excluded from coverage in our base plans: snow skiing, skydiving, parachuting, free falling, cliff diving, B.A.S.E. or base jumping, hang gliding, parasailing, travel on any air supported device other than a regularly scheduled airline or air charter company, mountain climbing, free climbing, scuba diving at a depth greater than 75 feet, and participating in underwater activities if the depth of the water is greater than 75 feet. This upgrade provides up to $10,000 coverage for an organized search & rescue by appropriate authorities, should you or a traveling companion become lost, disoriented, or missing during your trip. It also offers up to $100,000 coverage in case an event on your trip results in imminent physical danger to you and your traveling companions and you require additional accommodations, transportation, or extrication from your destination. This upgrade isn’t available to IL residents. Exclusions on activities listed above don’t apply to IL residents.	Available (waives exclusions on certain activities) Search and rescue: $10,000 Security evacuation: $100,000	Available (waives exclusions on certain activities) Search and rescue: $10,000 Security evacuation: $100,000	Available (waives exclusions on certain activities) Search and rescue: $10,000 Security evacuation: $100,000
If you include this upgrade in your policy, you can have coverage if you suffer from the permanent loss of life from an eligible injury while boarding, as a passenger on, or disembarking from an aircraft of a commercial airline or air charter company licensed to carry passengers for hire during a trip, up to the maximum eligible amount selected. This upgrade isn’t available to NH residents.	Available ($200,000, $500,000, or $1,000,000) Not available to NH residents	Available ($200,000, $500,000, or $1,000,000) Not available to NH residents	Available ($200,000, $500,000, or $1,000,000) Not available to NH residents
If you include this upgrade in your policy, you can have coverage if your trip is delayed for an eligible reason and you have extra pet boarding fees. Plus, if your pet traveling with you has a sickness or injury, you can have coverage for pet veterinarian expenses up to the maximum eligible amount. This upgrade isn’t available to NY and VA residents.	Available Pet care: $250 Pet veterinarian expense: $2,500	Available Pet care: $250 Pet veterinarian expense: $2,500	Available Pet care: $250 Pet veterinarian expense: $2,500
Reimbursement for expenses such as the cost of repairs if you cause accidental damage to your accommodations.	Available ($2,000)	Available ($2,000)	Available ($2,000)
Protect travel investments and recover nonrefundable, prepaid costs up to $10,000 per person. This applies if you need to cancel your trip due to your previously approved time off being revoked or your business being rendered unsuitable for business due to an eligible event and you’re required to work during your insured trip. To get cancel for business reasons coverage, you must purchase the upgrade 31 days or more before your departure date. You must also purchase the cancel for business reasons upgrade with the Ultimate plan within 21 days of your initial payment for your trip.	Available (100% of insured trip cost up to $10,000)	Not available	Not available
Increase your benefit limit for lost or stolen baggage and add coverage for lost or stolen electronics and professional equipment. This also includes benefits for sporting equipment delay or rental if delayed by a common carrier.	Available (additional $3,000) Per item limit: $1,500 Electronic and professional equipment limit: $2,000 Sporting equipment delay limit: $1,500 Sporting equipment rental limit: $2,000	Available (additional $4,000) Per item limit: $1,500 Electronic and professional equipment limit: $2,000 Sporting equipment delay limit: $1,500 Sporting equipment rental limit: $2,000	Available (additional $4,250) Per item limit: $1,500 Electronic and professional equipment limit: $2,000 Sporting equipment delay limit: $1,500 Sporting equipment rental limit: $2,000

Our plan benefits and coverage details
Ultimate	Advantage	Essential
Trip cancellation, interruption, delay, and inconvenience
Protects travel investments and recovers nonrefundable, prepaid costs if your trip is canceled for an eligible reason.
100% of trip cost ($50,000 maximum)	100% of trip cost ($10,000 maximum)	100% of trip cost ($10,000 maximum)
Protects unused, prepaid, and nonrefundable expenses and additional transportation to join the departed trip or return home if your trip is interrupted for an eligible reason.
150% of trip cost ($75,000 maximum)	$125% of trip cost ($12,500 maximum)	100% of trip cost ($10,000 maximum)
Reimbursement for reasonable additional expenses — such as accommodations, local transportation, and meals — if your trip is delayed for an eligible reason.
$2,000 ($250 per day maximum)	$1,000 ($250 per day maximum)	$600 ($200 per day maximum)
Reimbursement for luggage and personal articles if your bags are lost, stolen, or damaged.
$2,000 ($500 per item limit)	$1,000 ($500 per item limit)	$750 ($500 per item limit)
Reimbursement for personal articles — such as reasonable additional clothing and toiletries — if your bags are delayed by a common carrier.
$500	$200	$200
Reimbursement for reasonable additional lodging, meal expenses, and the prepaid, unused, and nonrefundable portion of the trip if you miss a connection for an eligible reason.
$750	$500	$150
Reimbursement for travel inconveniences such as a closed ski resort, golf course, or beach at your destination, or cruise disablement due to an eligible reason. Closed attractions: $200 maximum Closed beach: $200 maximum Cruise disablement: $200 maximum
$600	Not included	Not included
Emergency evacuation and repatriation
Coverage for physician-ordered medical evacuation to a hospital or home if an injury or sickness occurs while traveling. Also includes coverage for repatriation of remains if you pass away while traveling.
$1,000,000	$250,000	$200,000
Emergency medical expense
Coverage for emergency medical treatment if you have a sickness or injury while traveling on an insured trip. Residents of NH have up to $50,000 in emergency medical coverage with the Ultimate plan. Residents of CT, IN, KS, MO, MT, VT, and WA have a $50 deductible.
$250,000 *$50,000 for NH residents	$50,000	$25,000
Coverage for emergency dental treatment if you’re injured while traveling on an insured trip. Residents of CT, IN, KS, MO, MT, VT, and WA have a $50 deductible.
$500	$500	$500
If you meet the plan purchase requirements listed, exclusions for pre-existing conditions are waived. Exclusions do not apply to NH residents.
Included if plan is purchased within 21 days of first trip payment and full trip cost is insured	Not included	Not included
This represents the number of days to “look back” at changes in medical history and determine if a claim is related to a pre-existing medical condition. The days are counted backward from the day preceding the policy purchase date.
90 days Does not apply to NH residents	120 days Does not apply to NH residents	180 days Does not apply to NH residents
If you need to file a claim, your plan benefits will be used first as primary coverage. Our Essential plan provides excess medical coverage unless you’re a CT resident, in which case you’d have primary coverage.
Included	Included	Not included (secondary coverage) Included for CT residents
Accidental death and dismemberment
Coverage if you have an eligible loss, such as your life or a limb, as a result of an eligible injury while on an insured trip. Exclusions may apply. See policy for details.
$25,000	$20,000	$10,000
Coverage if you’re exposed to weather or disappear due to an accident that results in an eligible loss.
$25,000	$20,000	$10,000
Other benefits
If you need help while you’re traveling, our team of assistance experts is available 24/7 to help you with medical emergencies, language interpretation, prescription refills, and much more.
Included	Included	Included
We can provide coverage at no additional cost to one travel companion aged 17 years old or younger per each insured adult traveler. Each insured adult traveler on the Ultimate plan must be aged 18 years or older for the child to be eligible. The child’s individual trip cost must be equal to or lower than the insured adult’s individual trip cost for coverage to apply. If upgrades are selected and included in the policy, each traveler will be charged the applicable premium for the upgrade.
Yes	No	No
The plan you choose will provide coverage for a trip length up to the number of days shown. It’s important to check that the plan’s maximum trip length will insure your entire trip or coverage may not apply.
Up to 180 days	Up to 30 days	Up to 30 days
We offer coverage for most U.S. states and international locations, excluding trips to, through, or from destinations sanctioned by Zurich Group or the U.S. Department of the Treasury’s Office of Foreign Assets Control (OFAC). Please check the OFAC website and our travel alerts page for information on affected countries.
All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.	All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.	All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.
This is the number of days after purchasing your policy during which you may cancel your policy and receive a premium refund, as long as you have not departed or filed a claim. We count the date you purchase your policy as day one of your review period.
21 days	21 days	21 days
We provide coverage for certain sports and activities, including kayaking, horseback riding, and hiking. To include coverage for excluded activities, such as skiing or scuba diving more than 75 feet, consider adding our adventure activities upgrade.
Included, but limited to eligible activities (optional upgrade available for additional activities)	Included, but limited to eligible activities (optional upgrade available for additional activities)	Included, but limited to eligible activities (optional upgrade available for additional activities)
Optional upgrades
If you include this upgrade, you can be reimbursed up to 75% of your prepaid, nonrefundable trip costs (up to $7,500) if you need to cancel your trip. You must cancel at least two days prior to your scheduled departure date. To get cancel for any reason coverage, you must insure all your nonrefundable trip expenses in your plan, your trip cost can’t be more than $10,000, and you must purchase the upgrade 31 days or more before your departure date. You also must purchase the cancel for any reason upgrade with the Ultimate plan within 21 days of your initial payment for your trip. Subsequent arrangements must be insured within 14 days of booking those arrangements. Cancel for any fortuitous reason in NY.
Available (75% of insured trip cost up to $7,500)	Not available	Not available
If you include this upgrade in your policy, you can have coverage up to $50,000 ($100 deductible) for collision, vandalism, windstorm, theft, hail, fire, or flood damage to your rental car while on your trip. This upgrade is not available in all destinations, including Costa Rica, Ireland, Jamaica, and Mexico. Please contact our customer service team at 1-800-228-9792 to check if coverage is available for your trip.
Available ($50,000 with a $100 deductible)	Available ($50,000 with a $100 deductible)	Available ($50,000 with a $100 deductible)
If you include this upgrade in your policy, you can increase your emergency medical expense coverage limit by $250,000. Not available to NH residents.
Available (additional $250,000) Not available to NH residents	Not available	Not available
If you include this upgrade in your policy, you can have protection for the following activities that are excluded from coverage in our base plans: snow skiing, skydiving, parachuting, free falling, cliff diving, B.A.S.E. or base jumping, hang gliding, parasailing, travel on any air supported device other than a regularly scheduled airline or air charter company, mountain climbing, free climbing, scuba diving at a depth greater than 75 feet, and participating in underwater activities if the depth of the water is greater than 75 feet. This upgrade provides up to $10,000 coverage for an organized search & rescue by appropriate authorities, should you or a traveling companion become lost, disoriented, or missing during your trip. It also offers up to $100,000 coverage in case an event on your trip results in imminent physical danger to you and your traveling companions and you require additional accommodations, transportation, or extrication from your destination. This upgrade isn’t available to IL residents. Exclusions on activities listed above don’t apply to IL residents.
Available (waives exclusions on certain activities) Search and rescue: $10,000 Security evacuation: $100,000	Available (waives exclusions on certain activities) Search and rescue: $10,000 Security evacuation: $100,000	Available (waives exclusions on certain activities) Search and rescue: $10,000 Security evacuation: $100,000
If you include this upgrade in your policy, you can have coverage if you suffer from the permanent loss of life from an eligible injury while boarding, as a passenger on, or disembarking from an aircraft of a commercial airline or air charter company licensed to carry passengers for hire during a trip, up to the maximum eligible amount selected. This upgrade isn’t available to NH residents.
Available ($200,000, $500,000, or $1,000,000) Not available to NH residents	Available ($200,000, $500,000, or $1,000,000) Not available to NH residents	Available ($200,000, $500,000, or $1,000,000) Not available to NH residents
If you include this upgrade in your policy, you can have coverage if your trip is delayed for an eligible reason and you have extra pet boarding fees. Plus, if your pet traveling with you has a sickness or injury, you can have coverage for pet veterinarian expenses up to the maximum eligible amount. This upgrade isn’t available to NY and VA residents.
Available Pet care: $250 Pet veterinarian expense: $2,500	Available Pet care: $250 Pet veterinarian expense: $2,500	Available Pet care: $250 Pet veterinarian expense: $2,500
Reimbursement for expenses such as the cost of repairs if you cause accidental damage to your accommodations.
Available ($2,000)	Available ($2,000)	Available ($2,000)
Protect travel investments and recover nonrefundable, prepaid costs up to $10,000 per person. This applies if you need to cancel your trip due to your previously approved time off being revoked or your business being rendered unsuitable for business due to an eligible event and you’re required to work during your insured trip. To get cancel for business reasons coverage, you must purchase the upgrade 31 days or more before your departure date. You must also purchase the cancel for business reasons upgrade with the Ultimate plan within 21 days of your initial payment for your trip.
Available (100% of insured trip cost up to $10,000)	Not available	Not available
Increase your benefit limit for lost or stolen baggage and add coverage for lost or stolen electronics and professional equipment. This also includes benefits for sporting equipment delay or rental if delayed by a common carrier.
Available (additional $3,000) Per item limit: $1,500 Electronic and professional equipment limit: $2,000 Sporting equipment delay limit: $1,500 Sporting equipment rental limit: $2,000	Available (additional $4,000) Per item limit: $1,500 Electronic and professional equipment limit: $2,000 Sporting equipment delay limit: $1,500 Sporting equipment rental limit: $2,000	Available (additional $4,250) Per item limit: $1,500 Electronic and professional equipment limit: $2,000 Sporting equipment delay limit: $1,500 Sporting equipment rental limit: $2,000

Important:

^* This coverage only applies to emergency medical expenses that first arise during your trip. You’ll have a $50 deductible if your primary residence is in Connecticut, Indiana, Kansas, Missouri, Montana, Vermont, or Washington. Residents of New Hampshire are eligible for up to $50,000 emergency medical and dental coverage with the Ultimate plan.

Why vacation with our travel insurance during pregnancy?

You can match your coverage to your trip and move forward with a team that understands the ups, downs, and surprises of travel.

Personalize your policy

With up to nine optional upgrades like cancel for any reason and additional medical, you can add coverage that fits your travel needs in pregnancy.

Unlock our upgrades

25+ years’ experience

We’ve been leaders in travel insurance for pregnant moms like you for decades — and we continue innovating with award-winning technology.

Meet our team

24/7 travel support

Our assistance provider is here for you when you need help — from passport replacement to finding emergency medical care on your babymoon.

See our assistance benefit

Get to know ourcoverage a little bit more

Feel more secure with pregnancy travel insurance that can help support you and your growing family.

a woman wearing a floral dress walks through lavender fields in Provence, insured with travel insurance for pregnancy

Unpack our benefits

You deserve a pre-baby vacay that’s as carefree as a stroller ride through the park. Our wide range of benefits can help smooth out sudden obstacles along the way.

Show me the benefits

an expecting mom with travel insurance for pregnancy holds her daughter's hand as they walk down the beach at sunset

Discover our upgrades

Just like each pregnancy, no two babymoons are the same. You can add up to nine optional upgrades to our comprehensive and on-trip plans to align your benefits with your vacation.

Take me to the upgrades

Pack our Travel On app

Keep your policy in your pocket — and more. Travel safer with our app’s tap-to-call 24/7 assistance, destination information, and real-time safety alerts.

Tips and inspiration forexpecting moms on vacation

Before you take off, read our guides to help you travel smarter and safer while pregnant.

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Is it safe to travel during pregnancy?

Check out our 10 tips for a safer and healthier babymoon, from choosing your destination to packing the essentials.

See pregnancy travel tips

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How much is travel insurance in pregnancy?

Discover seven factors that can impact your policy cost, from your state of residence to including additional travelers.

Understand coverage cost

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Feeling nervous about traveling while pregnant?

Get our tips and tricks for easing travel anxiety so you can focus on enjoying your vacation as a mom-to-be.

Read travel anxiety guide

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Want to know more about our travel insurance for pregnancy?

We’re here to help you understand how travel insurance works for pregnant adventurers.

Yes, you can get travel insurance when you’re pregnant! Travel insurance is designed to help protect you from unexpected events — and being pregnant doesn’t change that.

At Travelex, pregnancy doesn’t disqualify you from purchasing a policy, as long as you meet the general eligibility requirements (like being a resident of the U.S. and traveling at least 100 miles from home).

Important: While you can get coverage while you’re pregnant, we don’t cover pregnancy-related situations. For example, routine prenatal care and planned childbirth aren’t included, but unforeseen and separate complications might be. Also, to be eligible for trip cancellation coverage, your pregnancy must occur after the effective date of your policy. Always check the description of coverage for your chosen plan to understand what’s eligible for coverage and what’s not.

Check with your prenatal care provider before scheduling your trip so you can:

Make sure it’s safe for you to travel.
Get personalized pregnancy travel advice.

You don’t need to choose a certain plan when you’re pregnant — any form of coverage could work for your trip depending on your needs. But because you’re an expecting mom, we do recommend that you choose a plan with robust coverage for medical emergencies and trip cancellations.

Why? Pregnancy can come with unique risks, so it’s smart to pick a policy that has the right support for your vacation as a mom-to-be. Look for plans with:

Emergency medical coverage (for unexpected complications or sudden health concerns not related to pregnancy)
Medical evacuation benefits (in case you need to be transported to a hospital)
Trip cancellation and interruption coverage (if you need to cancel or have a trip setback for an eligible reason)

The best travel insurance for your babymoon depends on you and your vacation plans. As an expecting adventurer, it’s important to have comprehensive coverage for:

Medical emergencies
Trip cancellations
Medical evacuation

At Travelex, our best travel insurance for pregnant women is our Ultimate plan. Here’s why:

It has our highest limits for trip cancellation, medical coverage, medical evacuation, and more.
It’s eligible for all nine of our optional upgrades, including cancel for any reason* — which could be a smart addition to your pregnancy travel insurance.
It has kids-included pricing, which is helpful if your older children are vacationing with you.
Like all our plans, you can call our travel assistance provider 24/7 for emergency support.

_{*Cancel for any fortuitous reason for residents of NY.}

No, you don’t need to tell your travel insurance provider that you’re pregnant. That said, it’s still a good idea to review your policy’s terms and conditions to understand what’s covered.

While you don’t need to notify our Travelex team, you should read through your policy’s description of coverage, so you know about any exclusions related to pregnancy, such as routine care or planned childbirth.

No, pregnancy doesn’t make your travel insurance more expensive.

Your policy cost is based on factors like your:

Age
Trip cost
Length of travel
Included optional upgrades

… not your pregnancy status.

No, we don’t cover routine prenatal care — including check-ups, ultrasounds, and tests. Our plans can support you with unexpected events, so regular medical care doesn’t qualify for coverage.

Here are our top tips to help avoid gaps in pregnancy medical care or extra routine prenatal care costs on vacation:

Traveling internationally? Schedule your routine prenatal appointment before your trip. While you’re there, ask your physician for pregnancy-related travel guidance!
Traveling domestically? Your U.S. health insurance policy may not apply in all states. Check with your provider before you leave if you plan to schedule routine prenatal care away from home.

Have an emergency or pregnancy complication while traveling? Your policy may provide coverage for unexpected medical concerns not directly related to pregnancy, so check the details before you go.

No, we don’t consider pregnancy to be a pre-existing condition. With Travelex plans, a pre-existing condition is a chronic illness or disease you’ve been treated for within 90 days of purchasing your Travelex policy.

Have a pre-existing condition like asthma or diabetes? Our Ultimate plan offers a waiver of our pre-existing condition exclusion*. You can get medical coverage for your chronic illness if you:

Buy our Ultimate plan within 21 days of your first trip expense.
Can physically travel when you buy your policy.
Insure your full trip cost.
Add any additional trip costs to your policy within 21 days of paying for them.

We do offer coverage for certain pregnancy complications, but they must be separate from and worsened or caused by pregnancy.

Our plans can help with unexpected medical costs if you have a condition like:

Acute nephritis
Nephrosis
Cardiac decompensation
Non-elective cesarean section
Other medical and surgical conditions with similar severity

Here are examples of conditions and situations we don’t cover (because they’re directly associated with pregnancy):

False labor
Doctor-ordered bed rest
Morning sickness
Hyperemesis gravidarum
Preeclampsia
Any other condition related to managing a difficult pregnancy

We don’t cover routine labor and delivery, so keep that in mind if you travel later in pregnancy. Plus, if you travel outside of the country, your U.S. health insurance likely can’t help with medical costs.

What if you have an eligible pregnancy complication and have an emergency delivery? Our coverage can help support you if you have:
A non-elective cesarean section
A terminated ectopic pregnancy
Spontaneous termination of pregnancy at a gestational period when viable birth isn’t possible

Tip: Check with your prenatal care doctor before booking your trip to ensure it’s safe for you to travel in pregnancy.

No, you can’t add a newborn to your Travelex policy after your trip starts. If you want coverage for a household member, they must be born and included in your policy when you buy your plan.

Bringing your newborn on vacation? You can include them under your policy for less with our Ultimate plan. It offers kids-included pricing for one child aged 17 and younger per each insured adult, as long as you meet all coverage requirements.

Whether our medical benefits apply to your high-risk pregnancy depends on the specific reason for your high-risk status.

Our coverage applies if you’re high-risk because of a complication that’s distinct from but affected by pregnancy, such as:

Acute nephritis
Nephrosis
Cardiac decompensation
Non-elective cesarean section
Other severe medical or surgical conditions

If you’re considered high risk because you’re carrying multiples or have a pregnancy-related condition like preeclampsia, our medical coverage won’t apply.

Remember: Speak with your prenatal care doctor to understand if it’s a good idea to travel while you’re pregnant — whether you have a high-risk pregnancy or not.

If you choose not to travel for an ineligible reason, you can only have our coverage if you get our Ultimate plan’s cancel for any reason* upgrade. It lets you call off your trip for any reason not included in the base plan and get back up to 75% of your insured trip cost (up to $7,500). It can be a helpful addition to your policy if you’re pregnant and unsure about traveling!

To get coverage under our cancel for any reason upgrade, you need to:

Buy our Ultimate plan within 21 days of paying any part of your trip.
Buy your policy at least 31 days before your departure date.
Be well enough to travel when you buy your policy.
Include the full cost of your trip in your policy and add any extra expenses within 14 days of making those payments.
Have a trip cost under $10,000.
Cancel your trip two days or more before your scheduled departure.

_{*Cancel for any fortuitous reason for residents of NY.}

Under our standard trip cancellation benefit, you can’t cancel and get money back if you feel unsafe or uncomfortable. If you get our Ultimate, Advantage, or Essential plan, you can have trip cancellation coverage under the base plan only if something unexpected happens that:

Is outside of your control
Prevents you from traveling
Occurs after you’ve purchased your policy

Here are some examples of events our trip cancellation benefit can help with:

You have an unexpected illness or injury before traveling and a doctor writes a note stating you’re unable to travel
Your cruise line cancels your trip because of severe weather
You’re in a car accident on your way to the airport

For maximum flexibility as a pregnant traveler, our cancel for any reason upgrade is worth considering. Otherwise, check out our trip cancellation benefit. For the full list of eligible cancellation reasons, check the description of coverage for our Ultimate, Advantage, or Essential plan.

Yes, you can have trip cancellation coverage if you first discover you’re unexpectedly pregnant after getting a Travelex policy. We know that could shake up your travel plans, so we can help if you have our Ultimate plan and meet a few requirements.

To get coverage, you need to have:

A doctor’s verification: A note confirming the pregnancy was first discovered after your Travelex policy’s effective date.
Specific timing: The pregnancy must overlap with your planned trip dates.
No complications: The pregnancy must be free from any medical complications.

The best time to get travel insurance during pregnancy is as soon as you book any part of your vacation!

At Travelex, we have early purchase benefits based on the plan you choose. With our Ultimate, Advantage, or Essential plan, you’re eligible for the trip cancellation benefit the day after you purchase your policy. The sooner you buy, the longer you have cancellation coverage for unforeseen reasons like illness or injury.

Our Ultimate plan also has these early purchase benefits:

Waiver of the pre-existing condition exclusion: applies if you buy our Ultimate plan within 21 days of your first trip payment, insure your total trip cost, and are medically able to travel. Check out more details on our pre-existing medical condition page.
Cancel for any reason* upgrade: can apply if you buy the upgrade with your Ultimate plan at least 31 days before you depart and within 21 days of your first trip expense. Get more information on our cancel for any reason upgrade page.
Cancel for business reasons upgrade: applies if you buy the upgrade at least 31 days before your trip and within 21 days of your initial trip payment. Find out more on our business travel insurance page.

_{* Cancel for any fortuitous reason for residents of NY.}

See our FAQ hub

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