Important information about your cover and Coronavirus (Covid - 19)
There's information for new and existing customers and answers to frequently asked questions on our Coronavirus page.
Our Travel Insurance policy doesn't cover most claims relating to Covid-19, SARSCoV-2 or any future mutation or variation. This includes but isn't limited to cancelling or cutting short your trip, changes in FCDO advice after booking or any costs associated with being placed under quarantine in the UK or abroad. However, providing you're travelling to an area where no FCDO advice against travel exists we'll provide cover relating to medical emergencies and repatriation for Covid-19.
There's no cover under any section of our travel policies if you travel against FCDO advice.
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?
Admiral Pregnancy Travel Insurance covers emergency medical treatment costs and repatriation as standard, up to £20million depending on the level of cover chosen.
We’ll only cover complications of pregnancy and childbirth abroad (as described in the ‘Definitions’ section of our policy wording). 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 routine medical care such as check-ups, pre-natal care, the costs of natural labour and childbirth after 32 weeks (or 24 weeks in the case of twins or multiples) or post-natal care. There’s also no cover if the carrier denies you boarding.
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. For Admiral Travel Insurance, pregnancy isn’t considered a pre-existing medical condition, so there's no need to tell us before you travel.
However, make sure you tell us about any medical conditions you have because of your pregnancy, such as:
- Gestational diabetes
- High blood pressure
If you don't tell us, you might not be covered should you need medical assistance.
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.
What if I have a pre-existing medical condition?
A pre-existing medical condition is a short or long term illness or injury you have or have had before you buy travel insurance. This includes having symptoms, tests, diagnosis or medical treatment for a condition.
You can declare your pre-existing medical conditions during the quote process to see if we can offer cover. If you’re unsure what needs to be declared or if you're unable to find your condition on the medical conditions list, please contact us on 0333 234 9913.
Your pre-existing medical conditions won’t be covered unless you’ve:
- Declared them all on your policy
- Received written confirmation that we’ll cover your medical condition
- Paid any additional premium in full
Policy terms and conditions apply. Please note, if you’ve had a positive diagnosis of Covid-19 in the last two years and sought medical attention, this needs to be declared on your policy.
If you don’t tell us about your pre-existing medical conditions or give us incorrect information, your policy may be invalid, and we may refuse all or part of any claim you submit.
For a quote with us, click the green button above.
The Money Advice Service Medical Directory
If you have or have had a more serious pre-existing medical condition and are struggling to find travel insurance, the Money Advice Service medical directory may be able to help. This directory has a panel of travel insurance providers who specialise in covering serious medical conditions.
Alternatively, you can call them on 0800 138 7777. (Monday to Friday 8:00-18:00, closed on Saturday, Sunday and bank holidays.)
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
- Travel disruption
- 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?
Pregnancy isn’t considered a pre-existing medical condition, so there’s no need to tell us before you travel.
However, make sure you tell us about any medical conditions you have because of your pregnancy, such as gestational diabetes or high blood pressure. If you don’t, you might not be covered should you need medical assistance.
We will only cover complications of pregnancy and childbirth abroad (as described in the ‘Definitions’ section of our policy wording) so you aren't covered for routine medical care such as check-ups, pre-natal care, normal childbirth and post-natal care. There is also no cover if the carrier denies you boarding.
Getting the most out of your trip
Going anywhere nice?
Off to one of the destinations below? Take a look at our guides for some hints and tips on what you need to remember.
Travel insurance that suits you
Whether you're travelling solo, with your family, or with a little one on the way, read our guides to make sure our cover is right for you.