We’ve recently had some questions from readers who want to know whether travel insurance cover giving birth under the medical coverage portion of their policy.
A pregnant traveler who is in an advanced stage of pregnancy is not likely to have travel insurance coverage for a normal birth because the birth is an expected event. Travel insurance only covers unexpected events, and so childbirth is not covered unless it’s an unusual medical situation.
To be specific, pregnancy is excluded from all travel insurance coverage with exclusionary language like the following:
“pregnancy, childbirth, or elective abortion, other than complications of pregnancy;”
It’s important to understand that travel insurance coverage for pregnancy depends on the circumstances. First, the pregnancy must occur after the travel insurance policy’s effective date, or it’s considered a pre-existing medical condition.
Next, premature labor is considered a complication of pregnancy, which is typically covered under a travel insurance plan’s medical coverage and therefore medical treatment is covered up to the plan limits. Here are the best rules to apply to getting travel insurance to cover giving birth:
To summarize, you can get travel insurance coverage for emergency medical care due to complications of your pregnancy, but a normal pregnancy that’s proceeding smoothly along is not covered – including giving birth.
Related: See Tips for a Safe Trip when She’s Pregnant
Damian Tysdal is the founder of CoverTrip, and is a licensed agent for travel insurance (MA 1883287). He believes travel insurance should be easier to understand, and started the first travel insurance blog in 2006.