Travel Insurance Options during Pregnancy

Travelling while pregnant?

Finding out you're expecting doesn't mean you have to cancel your travel plans. Whether it's a babymoon in Fiji, a family wedding in Australia, or one last big overseas adventure before bub arrives, most women can travel safely during pregnancy - as long as you plan ahead.

This guide covers everything you need to know about travelling while pregnant and how Allianz Travel Insurance and pregnancy cover works.

You can also compare our travel insurance plans to see what's covered and find cover to suit your holiday¹.

Why choose Allianz Travel Insurance?

Pregnancy is automatically covered¹

We'll provide you with automatic cover for your pregnancy prior to 24 weeks, provided it's an uncomplicated pregnancy and you're not expecting more than one child¹.

24/7 Overseas Emergency Assistance

Access emergency assistance overseas 24 hours a day, 365 days a year. If the unexpected happens overseas we're here to help with medical and hospital expenses^1,2.

Cover for Trip Cancellations

Our Comprehensive, Multi-trip and Domestic plans let you choose the level of cancellation cover you need. This covers unexpected trip cancellation, rescheduling or shortening³.

It's important to note that coverage and benefits limits can vary depending on the policy you choose. Therefore, it's important for you to consider the Policy Wording before making any decisions about your travel insurance.   

Conditions apply

Terms, conditions, limits, sub-limits and exclusions apply, and these are set out in the Policy Wording.
You don't have cover for Overseas Emergency Assistance or Overseas Medical & Hospital Expenses while travelling in New Zealand.
Cancellation cover is only available on Comprehensive, Domestic and Multi-Trip Plans. Refer to Cancellation and General Exclusions sections of the Policy Wording for full details.

Pregnancy and Travel Insurance: what you need to know

Protecting yourself while travelling is incredibly important, especially when you're pregnant.

Allianz Travel Insurance makes it easy to obtain pregnancy cover for expectant mothers who wish to travel.

We'll cover you automatically for pregnancy-related claims arising from an unforseen event, provided your pregnancy is a single, uncomplicated pregnancy and the event occurs before 24 weeks.

There's no need to discuss your pregnancy with us when you buy your travel insurance. Automatic cover also applies if you fall pregnant or discover you're pregnant after you've purchased your travel insurance policy.

The only time you'll need to tell us - is if you've had pregnancy complications with your current pregnancy or a previous one, or you're expecting more than one baby (e.g. twins or triplets). In these cases, you'll need to apply for pregnancy cover by completing our pre-existing medical assessment tool online when you purchase, or by calling 0800 553 550.

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Your situation	What may apply
Pregnant, no complications, single baby	Automatic cover for unforeseen events before week 24 - no need to tell us at the time you buy your policy
Pregnant with complications (this or a previous pregnancy)	Must complete our medical assessment at the time of purchase to apply for cover
Expecting twins or multiples	Must complete our medical assessment at the time of purchase to apply for cover
24 weeks pregnant or beyond	No pregnancy-related cover
Routine antenatal visits, birth or care for a newborn	Never covered, under any circumstances

The most important thing to understand about pregnancy and travel insurance

Our pregnancy cover is only for unexpected events - not for pregnancy or birth in general. Even where cover applies, we will never pay for:

Anything related to your pregnancy once you're 24 weeks pregnant or more
Routine antenatal care (your regular check-ups and appointments)
Giving birth, or costs relating to caring for your newborn - at any stage of pregnancy

Note: The only exception to the above is if an accident happens before you're 24 weeks pregnant, and that accident either:

causes you to give birth prematurely, or
puts you in hospital, and you're still there when you pass the 24-week mark and give birth during that hospital stay

Terms, conditions, exclusions, limits and applicable sub-limits may apply. It's important for you to consider the Policy Wording, in particular the sections 'General Exclusions' and 'Travel during pregnancy' before making any decisions about your travel insurance. 

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Tips for travelling while pregnant

happy pregnant couple holding hand on the beach

When is the best time to travel during pregnancy?

Most midwives and obstetricians agree that the second trimester is the sweet spot for travel.

By this stage, early pregnancy symptoms like morning sickness and fatigue have usually settled, energy levels are higher, and the risk of miscarriage - which is highest in the first 12 weeks - has dropped significantly.

First trimester (0–13 weeks): Often accompanied by nausea, tiredness, and a higher miscarriage risk, regardless of travel. Many women prefer to wait until this stage passes before booking a trip.
Second trimester (14–27 weeks): Generally considered the most comfortable and lowest-risk time to travel.
Third trimester (28+ weeks): Still possible for most women with an uncomplicated pregnancy, but travel becomes more tiring, and airlines start applying restrictions.

Always check with your GP, midwife or obstetrician - before booking, especially if you're planning to travel after 24 weeks or have any pregnancy complications.

Travel vaccinations and health precautions while pregnant

Vaccines: Talk to your GP or midwife about which travel vaccinations you may need and whether they’re safe to take while pregnant.
Malaria tablets: Not all anti-malarial medications are safe in pregnancy - get specific advice from your doctor if you're heading somewhere malaria is present.
Zika virus: Pregnant women are advised to avoid travel to regions with active Zika transmission, including parts of South and Central America, the Caribbean, the Pacific Islands, Africa and Asia. Check SafeTravel for the latest country-specific advice before booking.
Food and water safety: Stomach bugs and traveller's diarrhoea can hit harder in pregnancy, and some over-the-counter treatments aren't suitable. Stick to bottled water where tap water isn't safe and maintain good hydration if you're unwell.
Carry your medical records: Take your maternity notes and records with you so any doctor overseas has your full history on hand.

Packing tips for pregnant travellers

Comfortable, breathable clothing and supportive shoes.
Compression socks for long-haul flights.
A pregnancy pillow or neck cushion for added comfort.
Healthy snacks to manage nausea or blood sugar dips.
Pack copies of your maternity notes and your doctor’s contact details in your carry-on.
Any regular prenatal vitamins or medications (in carry-on, in original packaging).
Your travel insurance policy details and emergency assistance number saved to your phone.

Tips for flying while pregnant

Choose an aisle seat so you can get up and move easily.
Drink plenty of water and avoid excess caffeine.
Get up and walk the cabin, or do ankle and calf exercises, every 30 minutes or so to reduce the risk of deep vein thrombosis (DVT) - pregnancy already increases clotting risk, and long flights add to it.
Consider compression stockings on flights over 4 hours.
Wear your seatbelt low, under your bump, not across it.
Look into extra legroom or lie-flat options (like Economy Stretch or Skycouch) for long-haul comfort.

Other useful tips

It’s a good idea to make sure your doctor and/or midwife are aware of your travel plans.
Be aware that due to health and safety requirements, many airlines and ferry/cruise companies have their own restrictions regarding travel during pregnancy. Please note that their requirements may be different to the terms and conditions in your travel insurance policy.
Consider whether our travel insurance is appropriate for your needs if you're planning to travel beyond 24 weeks’ gestation.

Planning a trip while expecting?

Travelling while pregnant can be a wonderful way to relax before your baby arrives - but it pays to plan carefully. Check airline policies and understand exactly what your travel insurance does and doesn't cover before you go.

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Frequently Asked Questions About Travelling while Pregnant

Does travel insurance cover pregnancy in New Zealand?

It can, but only in specific circumstances. If you're pregnant with no complications and expecting a single baby, you're automatically covered for pregnancy-related claims arising from unforeseen events, as long as they occur before 24 weeks. If you've had complications or are expecting multiple babies, you'll need to complete a medical assessment to apply for cover.

We also do not cover medical or hospital expenses while you're travelling in New Zealand.

Is pregnancy a pre-existing condition for travel insurance?

Not necessarily. A medical assessment is only required if you've had pregnancy complications (with this or a previous pregnancy) or you're expecting multiple babies. Otherwise, automatic cover applies for unforeseen events prior to 24 weeks.

Will travel insurance cover me if I go into labour overseas?

No. Childbirth at any stage of pregnancy is excluded, with the exception of:

an accident before 24 weeks causes premature labour, or
hospitalisation that continues past the 24-week mark, resulting in birth during that same admission.

Does travel insurance cover routine antenatal checks while I'm away?

No - routine or regular antenatal care is excluded entirely, regardless of how far along you are.

What happens if I'm over 24 weeks pregnant and something goes wrong overseas?

Pregnancy-related claims are not covered once you reach 24 weeks gestation or beyond, so it's essential to plan your travel and understand the limits of your cover, well before this stage.

AAA	Extremely Strong	BB	Marginal	R	Under Regulatory Supervision
AA	Very Strong	B	Weak	SD	Selective Default
A	Strong	CCC	Very Weak	D	Default
BBB	Good	CC	Extremely Weak	NR	Not Rated

Travelling while pregnant?