If you’re pregnant and planning a trip abroad, pregnancy travel insurance will no doubt be at the top of your checklist. But before you’ve even booked your holiday, many women will be concerned about whether they can fly, so let’s start there.
Can I fly while pregnant?
Flying while pregnant is a decision for mum and doctor; if your doctor or obstetrician gives you the green light to fly then you can.
According to the Royal College of Obstetricians and Gynaecologists, the safest time for pregnant women to fly is before 37 weeks if carrying one baby, or 32 weeks if carrying twins.
After this stage, there’s a chance you could go into labour, so it’s best to avoid going too far from home.
If you’re still hoping to travel, it's important to speak to your doctor or midwife and check it’s safe. They may advise against it if you have had any complications with your pregnancy.
If you’re over 28 weeks pregnant, the airline may ask to see a letter from your midwife or doctor. Some airlines have their own restrictions in place so it’s best to check their websites before you book.
What does Pregnancy Travel Insurance cover?
An Admiral Pregnancy Travel Insurance policy covers up to £20million in emergency medical treatment costs and repatriation as standard, and this includes treatment needed due to complications resulting from a pregnancy such as an emergency caesarean up until 40 weeks.
There's no cover for the costs of natural labour and childbirth after 32 weeks, or 24 weeks in the case of twins or multiples.
Three levels of Pregnancy Travel Insurance
Read the full list of benefits in the policy summary booklet.
Not all insurers will cover pregnancy after a certain stage when it’s more likely you could have a normal birth, which isn’t considered a medical emergency.
What stage this is, and the medical care that’s covered, varies from insurer to insurer so check this thoroughly before taking out your travel insurance.
Is pregnancy a medical condition for travel insurance?
Whether you need to declare your pregnancy depends on your insurer’s guidelines, you don’t need to tell the Admiral travel team before you fly as pregnancy isn’t considered a pre-existing medical condition.
You should tell us if you have any medical conditions associated with your pregnancy to make sure you’re properly covered, things like:
- Gestational diabetes
- High blood pressure
What happens if I go into labour abroad?
At the early signs of labour, you should try to stay calm and go to the nearest hospital as soon as possible. If it’s a medical emergency, please call us immediately so we can help - +44 (0)292 010 7777.
If you’re planning to have your baby abroad, you’ll need to speak to your doctor in the UK first. You’ll also need to apply for a Maternity S2 to cover the costs of your care because most policies don’t cover planned overseas births.
Be aware lots of airlines won’t allow new-borns on flights until they’re two-weeks-old, or even longer for premature babies. Have a plan in place if you need to stay away longer than expected and ask the airline when you’ll be able to fly home.
Things to check before travelling while pregnant
Ask your doctor if it’s safe to travel before you book your holiday and again as close to the day you’re travelling as possible
Ask your doctor if you need any anti-malarial medication or vaccinations for your destination.
Advised against destinations
The NHS strongly advises pregnant women to avoid visiting any countries with Zika virus. The government website lists has A-Z of countries affected by Zika.
You many want to investigate what the hospitals and healthcare facilities are like in your chosen resort.
If you’re travelling in Europe it’s always worth carrying a European Health Insurance Card (EHIC), but it’s important to remember it’s not a replacement for travel insurance as some countries in the EU don’t accept the EHIC. For more information see our European Travel Insurance page.
If you booked your trip through an agency or you’re going on an organised cruise, check with the company that you’re able to travel while pregnant. They often have tighter restrictions in place than airlines. If you’re going on a cruise, you’ll need to add Admiral Cruise Insurance upgrade to your policy to be fully covered while you’re on board
Your questions answered
Do you need special travel insurance when pregnant?
Admiral single trip and annual travel insurances cover pregnancy and you won’t pay more for your cover as it’s not considered a pre-existing medical condition. You’ll get the standard cover for things like:
- Lost luggage
- Cancelled flights
- Lost or stolen belongings
But we’ll also cover the costs of any emergency medical treatment you receive as the result of complications during your pregnancy
Do I have to declare I’m pregnant on travel insurance?
Pregnancy is not considered a pre-existing medical condition so you don’t need to let us know before you fly. You should let us know about any conditions relating to your pregnancy to make sure you’re properly covered.
Can I fly after 32 weeks?
This is up to you and your doctor to decide – if it’s safe for you to do so and your doctor says it’s OK then you can fly. In terms of insurance, with Admiral you’re covered up to 40 weeks, but we strongly advise you get medical permission to fly in later stages of pregnancy. There's no cover for the costs of natural labour and childbirth after 32 weeks, or 24 weeks in the case of twins or multiples
I’ve just found out I’m pregnant and I don’t wish to travel. Am I covered?
No, you'll only be able to claim for cancellation due to pregnancy if your doctor advises against travel due to specific medical complications.
Take a look at our Travel Insurance and Pregnancy page for more information.
Does being pregnant affect my insurance?
No, you don’t need to let us know if you’re travelling while pregnant. Our policies will cover you if any unexpected complications occur because of your pregnancy or childbirth. You aren't covered for routine medical care such as check-ups, pre-natal care, normal childbirth and post-natal care.
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