Travel Insurance and Pregnancy
Planning a babymoon or visiting family before baby arrives? With the right preparation (and the right cover) most women can travel safely well into pregnancy.
Flying is usually fine if your pregnancy is uncomplicated. If you've had any complications, check with your midwife or GP first – especially for conditions like high blood pressure or a risk of deep vein thrombosis.
Holiday Extras travel insurance includes emergency medical cover as standard, plus 24/7 assistance if you need help while you're away. Pregnancy/childbirth claims aren't covered if your due date is within 12 weeks of your trip ending (16 weeks if you're expecting twins or more). Find out what's typically included and what's not with a travel insurance policy.
Will travel insurance cover pregnancy?
Travel insurance can cover you while you're pregnant, as long as you're travelling within the policy terms. Pregnancy isn't an illness, so your insurance is there for unforeseen medical emergencies, not routine antenatal care or a planned birth abroad.
What's typically covered: Emergency treatment and medically necessary repatriation if something unexpected happens.
What's not: Routine check-ups, planned delivery overseas, travelling against medical advice, or costs if your airline refuses to carry you. Always check your airline's fit-to-fly rules and keep your maternity notes with you.
It is important to note that our policies exclude claims arising from pregnancy or childbirth when your due date falls within 12 weeks of the scheduled end of the trip (16 weeks if you're expecting twins or more).
With Holiday Extras, emergency medical cover and 24/7 assistance come as standard, so you can travel with confidence. Compare our travel insurance cover levels below.
Do you have to declare pregnancy for travel insurance?
Usually, no, you don't need to declare a healthy, uncomplicated pregnancy. If you've had any complications (now or in the past), add them in the medical screening. Include other conditions too, such as high blood pressure, gestational diabetes or past DVT.
If you're unsure whether something counts as a complication, add it to your screening or get in touch. Declaring everything up front means we can assess it properly and confirm the cover you need.
Why choose Holiday Extras cover?
Our travel insurance is simple, with emergency medical cover, 24/7 support, and AnywhereGP for non-urgent advice. Get a quick online quote and easy screening if you've had pregnancy complications.
Over 40 years experience in travel services.
Voted Best Insurance Provider 16 years running – since 2009.
Tailored policies to suit your personal requirements.
£13.8 million paid in claims last year, providing reliable support when it matters most.
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Is it safe to travel while pregnant?
Yes, if you take sensible precautions. Get suitable travel insurance, check local healthcare, and carry your maternity notes. The NHS suggests thinking about timings too. Many people find mid-pregnancy (around 4–6 months) the most comfortable window to travel.
Flying while pregnant: what to know
- Airline rules vary. Many won't fly you after 37 weeks (or 32 weeks with twins). Always check your airline before you book.
- After 28 weeks, you may be asked for a fit-to-fly letter from your midwife or GP.
- On longer flights (4+ hours): Move regularly, consider compression stockings, and stay well-hydrated.
Beyond flying: ferries, cars & cruises
- Ferries/cruises: Operators set their own limits (often tighter e.g. around 32 weeks standard crossings, 28 weeks high-speed). Always check before booking.
- Car travel: It's recommended that you wear your seatbelt with the lap strap under your bump and to stop to stretch on long drives.
Setting sail on a cruise holiday?
Simply get a quote, select 'yes' when asked if youre going on a cruise, and you'll see our specialist cruise cover options.
Our cruise policies, offer extra cover for things that aren't included in a standard policy. This includes things like missed port insurance, unused excursions and cabin confinement.
Vaccinations, medication & destinations during pregnancy
Some vaccinations and medicines aren't recommended during pregnancy. Always ask your midwife or GP for personalised advice before you travel.
If there's a Zika risk, it's safest to avoid travelling to affected areas while pregnant. You can check the latest country-by-country updates on Travel Health Pro website.
Wherever you go, take extra care with food and water hygiene, and check medicines are safe to use in pregnancy before you pack them.
Compare travel insurance cover levels
Choose from three different levels of cover, each with its own cover limits. Ranging from a simpler 'Bronze' plan to a higher level 'Gold' plan, you can tailor your policy to suit your needs. Browse the key benefits below, or see the full breakdown in our cover-level table and Policy Documents.
Bronze
| £15,000,000 | Emergency medical and repatriation expenses |
| £1,000 | Cancellation & Cutting your trip short |
| £2,000 | Personal belongings |
| £500 | Personal money |
| £500 | Gadget Cover |
Silver
| £20,000,000 | Emergency medical and repatriation expenses |
| £2,500 | Cancellation & Cutting your trip short |
| £3,000 | Personal belongings |
| £750 | Personal money |
| £500 | Gadget Cover |
Gold
| Unlimited | Emergency medical and repatriation expenses |
| £5,000* | Cancellation & Cutting your trip short |
| £5,000 | Personal belongings |
| £1,000 | Personal money |
| £750 | Gadget Cover |
*Or as specified on your schedule
AnywhereGP: 24/7 Medical Help
Powered by Air Doctor
We're thrilled to introduce AnywhereGP, powered by Air Doctor – your on-the-go medical solution abroad!
Included FREE with every Holiday Extras travel insurance policy, it provides fast, reliable medical support for everything from minor illnesses to urgent concerns, keeping you supported along the way.
Let us answer your questions
Is pregnancy classed as a medical condition for travel insurance?
Most of the time, pregnancy isn't treated as a pre-existing medical condition. A healthy, uncomplicated pregnancy usually doesn't need to be declared.
If you have any pregnancy complications, now or in the past, you must declare them when getting your quote.
If you have a pre-existing condition that raises pregnancy risks, declare it and do the medical screening when you get your quote.
Can I cancel a holiday if I'm pregnant?
Being pregnant isn't typically a reason to claim for cancellation. If a medical professional tells you not to travel due to a pregnancy complication, cancellation cover may apply, subject to your policy terms. Routine appointments, a planned birth abroad, or being refused travel by an airline usually aren't covered. Always check your airline's fit-to-fly rules and read your policy for the full list of what's covered.
Do I need special travel insurance if I'm pregnant?
No, you don't usually need a separate "pregnancy policy". With Holiday Extras, you'll get emergency medical and repatriation cover, round-the-clock emergency medical assistance, AnywhereGP for non-urgent advice, and straightforward online medical screening if you've had complications.
What should I look for in travel insurance when pregnant?
Prioritise high medical and repatriation limits, 24/7 assistance, clear cancellation terms, and easy medical screening. If you're cruising, add cruise specific cover.
At Holiday Extras, we tick all those boxes: three different levels of cover, each with its own cover limits, emergency medical support 24/7, virtual GP support via AnywhereGP and flexible options for single trips or annual cover.
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Holiday Extras Travel Insurance is sold and administered by Holiday Extras Cover Limited, registered office address: Ashford Road, Newingreen, Hythe, Kent CT21 4JF.
Holiday Extras Cover Limited is an insurance intermediary authorised and regulated by the Financial Conduct Authority, registration number 828848. You can check this on the Financial Services Register by visiting: http://register.fca.org.uk
Holiday Extras™ is a Trading Name of Holiday Extras Cover Limited. The insurance is underwritten by Great Lakes Insurance UK Limited. Great Lakes Insurance UK Limited is a company incorporated in England and Wales with company number 13436330 and whose registered office address is 1 Fen Court, London, United Kingdom, EC3M 5BN.
Great Lakes Insurance UK Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number 955859. You can check this on the Financial Services Register by visiting: http://register.fca.org.uk