{"id":98949,"date":"2026-08-22T21:18:15","date_gmt":"2026-08-22T11:48:15","guid":{"rendered":"https:\/\/thechampagnemile.com.au\/deals\/?page_id=98949"},"modified":"2026-10-29T00:27:44","modified_gmt":"2026-10-28T13:57:44","slug":"best-travel-insurance-for-pregnant-travellers","status":"publish","type":"page","link":"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-pregnant-travellers\/","title":{"rendered":"Best Travel Insurance for Pregnant Travellers"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Travelling while pregnant is completely normal, and for most of the pregnancy it doesn&#8217;t need to change much about how you book or where you go. Where it does matter is your travel insurance, because pregnancy is one of the few areas where the fine print genuinely differs from one provider to the next &#8211; not just in price, but in how far into the pregnancy you&#8217;re actually covered and what happens if something goes wrong along the way.<\/p>\n\n\n\n<p class=\"has-small-font-size wp-block-paragraph\"><em><strong>Affiliate Disclosure: <\/strong>The Champagne Mile may earn a commission via links on this page. You should assess your own financial situation and needs and read all relevant Product Disclosure Statements and Terms and Conditions on the website of each Vendor before making a decision to purchase any service or product we display.<\/em><\/p>\n\n\n\n<!-- TCM Quick Answer card (tcm-qa-), replaces key takeaways -->\n<style>.tcm-qa{border:1px solid #e4e7f0;border-radius:14px;overflow:hidden;background:#fff;margin:0 0 28px;box-shadow:0 2px 10px rgba(10,31,92,.06)}.tcm-qa__head{background:#0a1f5c;color:#fff;padding:12px 20px;display:flex;align-items:center;gap:8px;font-size:13px;font-weight:700;letter-spacing:.08em;text-transform:uppercase}.tcm-qa__head i{color:#b8992e;font-size:18px}.tcm-qa__pick{padding:20px;border-left:4px solid #b8992e;border-bottom:1px solid #eef0f6;display:flex;gap:16px;align-items:center;justify-content:space-between;flex-wrap:wrap}.tcm-qa__body{flex:1 1 280px}.tcm-qa__label{font-size:12px;font-weight:700;color:#b8992e;text-transform:uppercase;letter-spacing:.06em;margin:0 0 4px}.tcm-qa__name{font-size:20px;font-weight:800;color:#0a1f5c;margin:0 0 4px;line-height:1.25}.tcm-qa__why{font-size:15px;color:#3a4256;margin:0;line-height:1.5}.tcm-qa__alts{display:grid;grid-template-columns:1fr 1fr}.tcm-qa__alt{padding:16px 20px;display:flex;flex-direction:column;gap:12px;justify-content:space-between}.tcm-qa__alt+.tcm-qa__alt{border-left:1px solid #eef0f6}.tcm-qa__alt .tcm-qa__name{font-size:16px}.tcm-qa__alt .tcm-qa__why{font-size:14px}.tcm-qa a.tcm-qa__btn{display:inline-block;align-self:flex-start;background:#0a1f5c!important;color:#fff!important;-webkit-text-fill-color:#fff!important;text-decoration:none!important;font-weight:700;font-size:14px;line-height:1.2;padding:11px 18px;border-radius:8px;white-space:nowrap}.tcm-qa a.tcm-qa__btn:hover{background:#b8992e!important}.tcm-qa a.tcm-qa__btn--alt{background:#fff!important;color:#0a1f5c!important;-webkit-text-fill-color:#0a1f5c!important;border:1.5px solid #0a1f5c}.tcm-qa a.tcm-qa__btn--alt:hover{background:#0a1f5c!important;color:#fff!important;-webkit-text-fill-color:#fff!important}@media(max-width:640px){.tcm-qa__alts{grid-template-columns:1fr}.tcm-qa__alt+.tcm-qa__alt{border-left:0;border-top:1px solid #eef0f6}.tcm-qa a.tcm-qa__btn{display:block;width:100%;text-align:center;box-sizing:border-box}}<\/style><div class=\"tcm-qa\"><div class=\"tcm-qa__head\"><i class=\"ti ti-bolt\" aria-hidden=\"true\"><\/i>Quick answer<\/div><div class=\"tcm-qa__pick\"><div class=\"tcm-qa__body\"><p class=\"tcm-qa__label\">Our pick for pregnant travellers<\/p><p class=\"tcm-qa__name\">AllClear<\/p><p class=\"tcm-qa__why\">One of the longest pregnancy cover periods we compared: cover can extend to 36 weeks for a single pregnancy.<\/p><\/div><a class=\"tcm-qa__btn\" href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/allclear\" target=\"_blank\" rel=\"nofollow sponsored\">Get an AllClear quote<\/a><\/div><div class=\"tcm-qa__alts\"><div class=\"tcm-qa__alt\"><div><p class=\"tcm-qa__label\">Also worth a quote<\/p><p class=\"tcm-qa__name\">Tick Travel Insurance<\/p><p class=\"tcm-qa__why\">Cover can extend to 30 weeks for a single pregnancy, without choosing the most expensive option.<\/p><\/div><a class=\"tcm-qa__btn tcm-qa__btn--alt\" href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/ticktravelinsurance\" target=\"_blank\" rel=\"nofollow sponsored\">Get a quote<\/a><\/div><div class=\"tcm-qa__alt\"><div><p class=\"tcm-qa__label\">Also worth a quote<\/p><p class=\"tcm-qa__name\">Fast Cover<\/p><p class=\"tcm-qa__why\">Cover to 23 weeks for a single pregnancy, with possible cover if a birth results from a covered complication.<\/p><\/div><a class=\"tcm-qa__btn tcm-qa__btn--alt\" href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/fastcover\" target=\"_blank\" rel=\"nofollow sponsored\">Get a quote<\/a><\/div><\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">We went through the public policy information for the providers we cover to see how each one handles pregnancy cover, so you&#8217;re not left comparing PDS documents line by line before you book.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Travel Insurance That Covers Pregnancy<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Travel insurance that covers pregnancy usually has limits. Many policies cover complications of pregnancy only up to a stated number of weeks, and routine childbirth and care of a newborn are commonly excluded. Some policies treat a pregnancy conceived through IVF or other assisted conception differently.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Buy cover as soon as you book, declare your pregnancy when asked, and read the PDS to see the gestational limit and what counts as a covered complication.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How many weeks pregnant can you travel with travel insurance?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The maximum stage of pregnancy covered by travel insurance varies significantly between insurers. Some policies provide cover well into the third trimester, while others stop much earlier. The table below compares the pregnancy limits currently offered by the insurers we cover, including different limits for single and multiple pregnancies.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Insurer<\/th><th>Single pregnancy<\/th><th>Twins \/ multiples<\/th><th>Best for<\/th><th>Quote<\/th><\/tr><\/thead><tbody><tr><td><strong><a href=\"https:\/\/thechampagnemile.com.au\/deals\/allclear-travel-insurance-promo-code\/\">AllClear<\/a><\/strong><\/td><td><strong>36 weeks<\/strong><\/td><td><strong>32 weeks<\/strong><\/td><td>Travelling later<\/td><td><a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/allclear\" target=\"_blank\" rel=\"nofollow sponsored\"><strong>Get a quote<\/strong><\/a><\/td><\/tr><tr><td><strong><a href=\"https:\/\/thechampagnemile.com.au\/deals\/tick-travel-insurance-promo-code\/\">Tick<\/a><\/strong><\/td><td><strong>30 weeks<\/strong><\/td><td><strong>20 weeks<\/strong><\/td><td>Longer pregnancy window<\/td><td><a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/ticktravelinsurance\" target=\"_blank\" rel=\"nofollow sponsored\"><strong>Get a quote<\/strong><\/a><\/td><\/tr><tr><td><strong><a href=\"https:\/\/thechampagnemile.com.au\/deals\/zoom-travel-insurance-discount-code\/\">Zoom<\/a><\/strong><\/td><td><strong>24w 6d<\/strong><\/td><td><strong>19w 6d<\/strong><\/td><td>Earlier pregnancy<\/td><td><a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/zoom\" target=\"_blank\" rel=\"nofollow sponsored\"><strong>Get a quote<\/strong><\/a><\/td><\/tr><tr><td><strong><a href=\"https:\/\/thechampagnemile.com.au\/deals\/covermore-promo-code\/\">Cover-More<\/a> \/ <a href=\"https:\/\/thechampagnemile.com.au\/deals\/freely-discount-code\/\">Freely<\/a><\/strong><\/td><td><strong>23w 6d<\/strong><\/td><td>Check PDS<\/td><td>Earlier pregnancy<\/td><td><a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/covermore\" target=\"_blank\" rel=\"nofollow sponsored\"><strong>Cover-More quote<\/strong><\/a><br><a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/freely\" target=\"_blank\" rel=\"nofollow sponsored\"><strong>Freely quote<\/strong><\/a><\/td><\/tr><tr><td><strong><a href=\"https:\/\/thechampagnemile.com.au\/deals\/fast-cover-promo-code\/\">Fast Cover<\/a><\/strong><\/td><td><strong>23 weeks<\/strong><\/td><td><strong>19 weeks<\/strong><\/td><td>Earlier pregnancy<\/td><td><a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/fastcover\" target=\"_blank\" rel=\"nofollow sponsored\"><strong>Get a quote<\/strong><\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-small-font-size wp-block-paragraph\"><em><strong>Important:<\/strong> Gestation limits can depend on the specific policy, circumstances and PDS. Always confirm your eligibility and pregnancy cover directly with the insurer before booking.<\/em><\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>The key takeaway:<\/strong> Pregnancy cover varies dramatically between insurers. AllClear currently has the longest single-pregnancy window in this comparison at 36 weeks, while several providers stop around 23\u201326 weeks. If you&#8217;re travelling later in pregnancy, check the exact policy wording before relying on the headline maximum, particularly for complications, multiple pregnancies and medical expenses.<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">The important thing is that the <strong>limit applies to your pregnancy during the trip, not simply when you buy the policy<\/strong>. Your return date matters too, so don&#8217;t assume you&#8217;re covered just because you were within the insurer&#8217;s limit when you booked.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you&#8217;re planning to travel later in your pregnancy, AllClear and Tick are the first two insurers we&#8217;d check, while the other providers are generally more realistic if your trip finishes comfortably before their pregnancy cut-off.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Remember that pregnancy cover is generally designed for unexpected complications rather than routine pregnancy care or childbirth. Always check the insurer&#8217;s current policy wording and confirm that your individual circumstances are covered before booking your trip.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Our Top Travel Insurance Picks for Pregnant Travellers<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">AllClear: Best for Travelling Later in Pregnancy<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/allclear-travel-insurance-promo-code\/\">AllClear <\/a>stands out for pregnant travellers because it offers one of the longest pregnancy cover periods among the insurers we compared. Cover can extend to <strong>36 weeks for a single pregnancy<\/strong>, making it particularly useful if you need to travel later in your pregnancy. It also offers cover for some pregnancy-related complications, subject to the policy terms and eligibility requirements. If you&#8217;re travelling during the later stages of pregnancy, AllClear is worth considering, but always confirm your specific circumstances and gestation limit before purchasing.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Tick: Best Alternative for Pregnancy Cover<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/tick-travel-insurance-promo-code\/\">Tick<\/a> is a strong alternative for pregnant travellers who want a relatively generous pregnancy cover period without choosing the most expensive option. Cover can extend to <strong>30 weeks for a single pregnancy<\/strong>, making it particularly useful for travellers who need to travel beyond the earlier stages of pregnancy. Tick can also provide cover for certain pregnancy-related complications, subject to the policy conditions. Check the applicable policy wording carefully, particularly the gestation limit, complications covered and requirements for assisted pregnancies.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Fast Cover: Best for Early-Pregnancy Trips<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Fast Cover is worth considering for pregnant travellers whose trip finishes well before the third trimester. Its policies can cover certain unexpected pregnancy complications that arise during a trip, subject to the policy conditions and eligibility requirements. Cover extends to 23 weeks for a single pregnancy and 19 weeks for twins or multiples. It also stands out on childbirth. Fast Cover generally excludes it, but where a birth results from a complication already covered under your policy, you may still be covered. That makes Fast Cover a solid option for travellers who want pregnancy-related protection alongside broader comprehensive cover from an Australian-owned insurer.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Zoom: A credible alternative<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/zoom-travel-insurance-discount-code\/\">Zoom <\/a>stands out as one of the more relaxed insurers when it comes to declaring pregnancy. If your pregnancy was conceived naturally and there are no complications, Zoom doesn&#8217;t require you to declare it at all, treating you the same as any other traveller. That changes if conception was assisted, in which case declaration is required regardless of how straightforward the pregnancy has otherwise been. Cover extends to 24 weeks and 6 days for a single pregnancy, or 19 weeks and 6 days for twins, so it suits earlier-stage travel rather than later in pregnancy.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Current offers from these insurers<\/h3>\n\n\n\n<div class=\"wp-block-rehub-deal-coupon-list rhpb-deal-coupon-grid rhpb-5b3720d6-9a5f-4b27-ba0e-cc6f2a091973\">\t\t<div class=\"woo_offer_list \" data-filterargs='{\"post_type\":\"post\",\"posts_per_page\":12,\"order\":\"desc\",\"tag__in\":[\"949\"],\"orderby\":\"date\",\"no_found_rows\":1,\"ignore_sticky_posts\":1}' data-template=\"postlistpart\" id=\"rh_filterid_947122898\" data-innerargs='{\"aff_link\":\"1\"}'>\r\n\t\t\r\n\t\t\t\r\n\t\t\t<div class=\"rh_offer_list  defdealtype\"> \r\n             \r\n    <div class=\"rh_grid_image_3_col\">\r\n        <div class=\"rh_gr_img_first offer_thumb\"> \r\n            <div class=\"border-grey deal_img_wrap position-relative text-center width-100\"> \r\n            <div class=\"favorrightside wishonimage\"><\/div>      \r\n            <a title=\"10% Off When You Sign Up with Zoom Travel Insurance\" href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/zoom\"  rel=\"nofollow sponsored\" target=\"_blank\"  class=\"re_track_btn\">\r\n                          \r\n                <img decoding=\"async\" class=\"nolazyftheme\" src=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/thumbs_dir\/zoom-travel-insurance-promo-code-logo-4-rp855ikn121saf3qp4k0yh0o7iv6qulblhhm9q26vs.png\" height=\"92\" alt=\"10% Off When You Sign Up with Zoom Travel Insurance\" \/>                        <\/a>\r\n            <div class=\" defdealtype_deal_string deal_string border-top font70 lineheight25 text-center upper-text-trans\">Deal<\/div>\r\n            <\/div>\r\n\r\n        <\/div>\r\n        <div class=\"rh_gr_top_middle\"> \r\n            <div class=\"woo_list_desc\">\r\n                <div class=\"woolist_meta mb10\">\r\n                                            <span class=\"date_ago mr5\">\r\n                            <i class=\"rhicon rhi-clock\"><\/i> \r\n                                                            1 week ago                                                    <\/span>\r\n                    \r\n                       \r\n                                          \r\n                <\/div>                        \r\n                <h3 class=\"font110 mb10 mt0 moblineheight20 \"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/zoom\"  rel=\"nofollow sponsored\" target=\"_blank\"  class=\"re_track_btn\">10% Off When You Sign Up with Zoom Travel Insurance<\/a><\/h2>\r\n                \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t \n\t\t\t\t    \t\t\t\n\t                 \r\n                                                 \r\n                <div class=\"clearfix\"><\/div>                                                                                         \r\n            <\/div>               \r\n        <\/div>\r\n        <div class=\"rh_gr_middle_desc font80 lineheight15\">\r\n            \nThat&#8217;s right. 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Works on Comprehensive, Standard, and Basic plans.\u00a0\n        <\/div>  \r\n        \n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\"><\/div>\n        <div class=\"rh_gr_btn_block\">\r\n            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t \n\t\t\t\t\t        <div class=\"priced_block clearfix  mobile_block_btnclock mb0\">\n\t              \t        \t\n\t            \t    \t\t\t    \t\t\t<span class=\"rh_button_wrapper\">\n\t\t            \t<a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/zoom\" class=\"btn_offer_block re_track_btn\" target=\"_blank\" rel=\"nofollow sponsored\">\n\t\t\t            \t\t\t            \tget discount\t\t\t            \t\t\t            \t\t            <\/a>\n\t\t        \t<\/span>\n\t            \t\n\t\t    \t\t\t\t\t\t\t\t    \t\t\n\t\t        \t            \t        \n\t        <\/div>\n            \t    \t\t    \t\t\t\n\t        <\/div>        \r\n    <\/div>\r\n        \r\n<\/div>\t\t\t\r\n\t\t\t<div class=\"rh_offer_list  defdealtype\"> \r\n             \r\n    <div class=\"rh_grid_image_3_col\">\r\n        <div class=\"rh_gr_img_first offer_thumb\"> \r\n            <div class=\"border-grey deal_img_wrap position-relative text-center width-100\"> \r\n            <div class=\"favorrightside wishonimage\"><\/div>      \r\n            <a title=\"Any condition, age or destination\u2026. no problem! AllClear.\" href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/allclear\"  rel=\"nofollow sponsored\" target=\"_blank\"  class=\"re_track_btn\">\r\n                          \r\n                <img decoding=\"async\" class=\"nolazyftheme\" src=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/thumbs_dir\/allclear-travel-insurance-promo-code-logo-4-rp855b1xidrhpjenx1b0eiwzgfw919rgwg9qfidc9k.png\" height=\"92\" alt=\"Any condition, age or destination\u2026. no problem! AllClear.\" \/>                        <\/a>\r\n            <div class=\" defdealtype_deal_string deal_string border-top font70 lineheight25 text-center upper-text-trans\">Deal<\/div>\r\n            <\/div>\r\n\r\n        <\/div>\r\n        <div class=\"rh_gr_top_middle\"> \r\n            <div class=\"woo_list_desc\">\r\n                <div class=\"woolist_meta mb10\">\r\n                                            <span class=\"date_ago mr5\">\r\n                            <i class=\"rhicon rhi-clock\"><\/i> \r\n                                                            1 week ago                                                    <\/span>\r\n                    \r\n                       \r\n                                          \r\n                <\/div>                        \r\n                <h3 class=\"font110 mb10 mt0 moblineheight20 \"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/allclear\"  rel=\"nofollow sponsored\" target=\"_blank\"  class=\"re_track_btn\">Any condition, age or destination\u2026. no problem! AllClear.<\/a><\/h2>\r\n                \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t \n\t\t\t\t    \t\t\t\n\t                 \r\n                                                 \r\n                <div class=\"clearfix\"><\/div>                                                                                         \r\n            <\/div>               \r\n        <\/div>\r\n        <div class=\"rh_gr_middle_desc font80 lineheight15\">\r\n            \nAllClear positions itself as the insurance specialist for customers of any age with pre-existing medical conditions. Don&#8217;t deny yourself travel insurance.\n        <\/div>  \r\n        \n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\"><\/div>\n        <div class=\"rh_gr_btn_block\">\r\n            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t \n\t\t\t\t\t        <div class=\"priced_block clearfix  mobile_block_btnclock mb0\">\n\t              \t        \t\n\t            \t    \t\t\t    \t\t\t<span class=\"rh_button_wrapper\">\n\t\t            \t<a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/allclear\" class=\"btn_offer_block re_track_btn\" target=\"_blank\" rel=\"nofollow sponsored\">\n\t\t\t            \t\t\t            \tget quote\t\t\t            \t\t\t            \t\t            <\/a>\n\t\t        \t<\/span>\n\t            \t\n\t\t    \t\t\t\t\t\t\t\t    \t\t\n\t\t        \t            \t        \n\t        <\/div>\n            \t    \t\t    \t\t\t\n\t        <\/div>        \r\n    <\/div>\r\n        \r\n<\/div>\t\t\t\r\n\t\t\t<div class=\"rh_offer_list  defdealtype pt0 pb0 pl0 pr0 w_disclaimer\"> \r\n             \r\n    <div class=\"rh_grid_image_3_col\">\r\n        <div class=\"rh_gr_img_first offer_thumb\"> \r\n            <div class=\"border-grey deal_img_wrap position-relative text-center width-100\"> \r\n            <div class=\"favorrightside wishonimage\"><\/div>      \r\n            <a title=\"Tick for straightforward, affordable cover\" href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/ticktravelinsurance\"  rel=\"nofollow sponsored\" target=\"_blank\"  class=\"re_track_btn\">\r\n                          \r\n                <img decoding=\"async\" class=\"nolazyftheme\" src=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/thumbs_dir\/tick-travel-insurance-promo-code-logo-4-rp859idy2pinmraudcpy1yq73h6cgjg959awp24yfs.png\" height=\"92\" alt=\"Tick for straightforward, affordable cover\" \/>                        <\/a>\r\n            <div class=\" defdealtype_deal_string deal_string border-top font70 lineheight25 text-center upper-text-trans\">Deal<\/div>\r\n            <\/div>\r\n\r\n        <\/div>\r\n        <div class=\"rh_gr_top_middle\"> \r\n            <div class=\"woo_list_desc\">\r\n                <div class=\"woolist_meta mb10\">\r\n                                            <span class=\"date_ago mr5\">\r\n                            <i class=\"rhicon rhi-clock\"><\/i> \r\n                                                            1 week ago                                                    <\/span>\r\n                    \r\n                       \r\n                                          \r\n                <\/div>                        \r\n                <h3 class=\"font110 mb10 mt0 moblineheight20 \"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/ticktravelinsurance\"  rel=\"nofollow sponsored\" target=\"_blank\"  class=\"re_track_btn\">Tick for straightforward, affordable cover<\/a><\/h2>\r\n                \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t \n\t\t\t\t    \t\t\t\n\t                 \r\n                                                 \r\n                <div class=\"clearfix\"><\/div>                                                                                         \r\n            <\/div>               \r\n        <\/div>\r\n        <div class=\"rh_gr_middle_desc font80 lineheight15\">\r\n            \nChoose cover from four no-nonsense tiers &#8211; so you get exactly what you need without paying for what you don&#8217;t.\n        <\/div>  \r\n        \n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\"><\/div>\n        <div class=\"rh_gr_btn_block\">\r\n            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t \n\t\t\t\t\t        <div class=\"priced_block clearfix  mobile_block_btnclock mb0\">\n\t              \t        \t\n\t            \t    \t\t\t    \t\t\t<span class=\"rh_button_wrapper\">\n\t\t            \t<a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/ticktravelinsurance\" class=\"btn_offer_block re_track_btn\" target=\"_blank\" rel=\"nofollow sponsored\">\n\t\t\t            \t\t\t            \tget quote\t\t\t            \t\t\t            \t\t            <\/a>\n\t\t        \t<\/span>\n\t            \t\n\t\t    \t\t\t\t\t\t\t\t    \t\t\n\t\t        \t            \t        \n\t        <\/div>\n            \t    \t\t    \t\t\t\n\t        <\/div>        \r\n    <\/div>\r\n            <div class=\"rev_disclaimer lightgreybg font60 greycolor lineheight15 pt5 pb5 pl15 pr15\">Tick Travel Insurance Disclaimer: \r\n\r\nThis insurance is underwritten by the insurer Europ Assistance Australia Pty Ltd, ACN 140 219 594, AFSL 552106, trading as Tick Travel Insurance and other brands. Sub-limits, terms, conditions, and exclusions may apply. Please refer to the PDS for full details.\u202f (https:\/\/www.tickinsurance.com.au\/policy-wordings\/)\r\n\r\n \r\n\r\nIf you take out a Travel Insurance policy with Tick Travel Insurance as a result of the services provided by us, Europ Assistance Australia Pty Ltd (Trading as Tick Travel Insurance) may pay us a referral fee.<\/div>\r\n        \r\n<\/div>\t\t\r\n\t\t\r\n\t<\/div>\r\n\t<div class=\"clearfix\"><\/div>\r\n\r\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">What Does Travel Insurance Cover During Pregnancy?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The short version: unexpected complications are generally covered, routine antenatal care never is. Everything else in this guide comes down to where each insurer draws that line, and a handful of specifics &#8211; cancellation, childbirth, premature labour &#8211; worth checking before you buy.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Unexpected Pregnancy Complications<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Almost every provider draws the same basic line here. Things like pre-eclampsia, gestational diabetes, severe morning sickness or unexpected early labour typically fall under the umbrella of &#8220;covered,&#8221; because these are treated as genuine medical complications rather than a normal, expected part of pregnancy.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Routine Pregnancy Care<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Scheduled check-ups, scans, vitamins and standard antenatal appointments sit on the other side of that line, and no insurer covers them, regardless of which policy you&#8217;re on. This is the part worth being upfront about with yourself before you buy: travel insurance protects you if something goes wrong with the pregnancy, it isn&#8217;t a substitute for the maternity care you&#8217;d already be paying for at home.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Pregnancy-Related Cancellation<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Cancellation cover and medical cover aren&#8217;t the same thing, and it&#8217;s worth checking both rather than assuming one implies the other. Some insurers specifically call out severe morning sickness and gestational diabetes as examples of complications that can also trigger cancellation cover, not just medical expenses, which matters if you end up needing to cut a trip short rather than seeking treatment while away.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Emergency Medical Treatment<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If a genuine complication does arise overseas, this is where an unlimited medical benefit earns its keep. Emergency treatment for something like pre-eclampsia or severe gestational diabetes can involve hospital admission, monitoring and specialist care, and the cost of that overseas can climb quickly, particularly in the US. Confirm your policy&#8217;s medical limit applies in full to pregnancy-related emergencies rather than being quietly capped somewhere in the PDS.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Premature Labour<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Premature labour deserves its own mention because it sits at the intersection of two things insurers treat differently: whether the labour itself counts as a covered complication, and whether the birth that follows is covered at all. The complication side is usually the easier part &#8211; premature labour is generally treated the same as any other unexpected pregnancy complication, covered under your standard medical benefit. What happens once the baby arrives is a separate question entirely, and that&#8217;s where insurers genuinely diverge &#8211; covered in detail below.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Does Travel Insurance Cover Childbirth Overseas?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">It&#8217;s easy to assume that if your pregnancy is covered, the birth itself must be covered too. Most policies don&#8217;t actually work that way. Pregnancy cover and childbirth cover are treated as two different things, so having one doesn&#8217;t automatically mean you&#8217;ve got the other.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Most insurers rule out childbirth completely. Cover-More, Freely and Zoom all say plainly that childbirth isn&#8217;t covered, no matter what stage of the pregnancy it happens at or what caused it.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Newborn care usually isn&#8217;t covered either. Even if a policy does stretch to an emergency delivery, the costs that come after (things like extended hospital stays, neonatal care, or getting your baby home) are usually not included. It&#8217;s worth checking this specifically rather than assuming it&#8217;s part of the package.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Fast Cover leaves a bit of room. It generally excludes childbirth, but not always completely. If the birth happens because of a complication that\u2019s already covered under your policy, you may still be covered. It\u2019s conditional rather than guaranteed, so it\u2019s worth reading the actual wording rather than assuming a yes.<br><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">AllClear is the standout here. It&#8217;s one of the few insurers we&#8217;ve compared that actually covers emergency childbirth, along with unlimited cancellation expenses. That&#8217;s a big part of why it&#8217;s our top pick if you&#8217;re travelling later in pregnancy, when the chances of an early delivery are higher.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The main thing to remember: don&#8217;t assume pregnancy cover automatically includes childbirth. Check the childbirth and newborn sections of the PDS specifically, separately from the general pregnancy complications section.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Does Travel Insurance Cover IVF Pregnancy?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If your pregnancy came about through IVF or another form of assisted reproductive treatment, it&#8217;s worth checking this specifically rather than assuming standard pregnancy cover applies the same way. Zoom doesn&#8217;t require you to declare a pregnancy at all if it was conceived naturally with no complications, but does require declaration if conception was assisted. Tick is one of the few insurers that specifically extends cover to pregnancies resulting from assisted reproductive treatment, including twins conceived this way &#8211; a genuinely useful detail if this applies to you, since a lot of providers are quieter on this point or exclude it altogether.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Do I Need to Tell My Travel Insurer I&#8217;m Pregnant?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Zoom stands out as one of the more relaxed insurers when it comes to declaring pregnancy. If your pregnancy was conceived naturally and there are no complications, Zoom doesn&#8217;t require you to declare it at all, treating you the same as any other traveller. That changes if conception was assisted, in which case declaration is required regardless of how straightforward the pregnancy has otherwise been. Cover extends to 24 weeks and 6 days for a single pregnancy, or 19 weeks and 6 days for twins, so it suits earlier-stage travel rather than later in pregnancy.<\/p>\n\n\n\t\t<div data-elementor-type=\"section\" data-elementor-id=\"102897\" class=\"elementor elementor-102897\" data-elementor-post-type=\"elementor_library\">\n\t\t\t<div class=\"elementor-element elementor-element-4641dbe3 e-flex e-con-boxed e-con e-parent\" data-id=\"4641dbe3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7b39baca elementor-widget elementor-widget-html\" data-id=\"7b39baca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<!-- TCM Pregnancy Declaration Decision Tree: standalone block, forced styles, namespace tcm-pregdecl- -->\n<h2 class=\"wp-block-heading\">Pregnancy Declaration 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var(--tcm-gold)!important;border-radius:12px!important;box-shadow:0 2px 14px rgba(10,31,92,0.07)!important;overflow:hidden!important;font-family:inherit!important;color:var(--tcm-ink)!important}\n.tcm-pregdecl.tcm-pregdecl::before,.tcm-pregdecl.tcm-pregdecl::after{display:none!important;content:none!important}\n.tcm-pregdecl.tcm-pregdecl .tcm-pregdecl-list{list-style:none!important;margin:0!important;padding:14px 18px 10px!important;display:flex!important;flex-direction:column!important;gap:6px!important}\n.tcm-pregdecl.tcm-pregdecl .tcm-pregdecl-item{list-style:none!important;margin:0!important;padding:0!important;background:none!important;border:0!important;box-shadow:none!important}\n.tcm-pregdecl.tcm-pregdecl .tcm-pregdecl-item::before,.tcm-pregdecl.tcm-pregdecl .tcm-pregdecl-item::marker{display:none!important;content:none!important}\n.tcm-pregdecl.tcm-pregdecl button.tcm-pregdecl-q{width:100%!important;min-height:42px!important;display:flex!important;align-items:center!important;justify-content:space-between!important;gap:9px!important;text-align:left!important;font:inherit!important;font-size:13.5px!important;font-weight:600!important;line-height:1.35!important;color:var(--tcm-ink)!important;background:var(--tcm-tint)!important;border:1.5px solid var(--tcm-line)!important;border-radius:10px!important;padding:7px 9px 7px 12px!important;cursor:pointer!important;box-shadow:none!important;text-transform:none!important;letter-spacing:normal!important;margin:0!important}\n.tcm-pregdecl.tcm-pregdecl button.tcm-pregdecl-q:hover{border-color:var(--tcm-gold)!important;background:#fdfaf0!important;color:var(--tcm-ink)!important}\n.tcm-pregdecl.tcm-pregdecl .tcm-pregdecl-item.open button.tcm-pregdecl-q{border-color:var(--tcm-navy)!important;background:#fff!important;box-shadow:0 0 0 1px var(--tcm-navy)!important}\n.tcm-pregdecl.tcm-pregdecl .tcm-pregdecl-qtext{color:var(--tcm-ink)!important;font-size:13.5px!important;font-weight:600!important}\n.tcm-pregdecl.tcm-pregdecl .tcm-pregdecl-icon{flex:0 0 28px!important;width:28px!important;height:28px!important;min-width:28px!important;border-radius:8px!important;background:#fff!important;border:1px solid var(--tcm-line)!important;display:inline-flex!important;align-items:center!important;justify-content:center!important;color:var(--tcm-navy)!important;font-size:17px!important;font-weight:600!important;line-height:1!important;margin:0!important;padding:0!important}\n.tcm-pregdecl.tcm-pregdecl .tcm-pregdecl-item.open .tcm-pregdecl-icon{background:var(--tcm-navy)!important;border-color:var(--tcm-navy)!important;color:#fff!important}\n.tcm-pregdecl.tcm-pregdecl .tcm-pregdecl-answer-inner{display:flex!important;gap:8px!important;align-items:flex-start!important;margin:6px 0 2px!important;padding:8px 10px!important;background:var(--tcm-tint)!important;border:0!important;border-left:3px solid var(--tcm-gold)!important;border-radius:0 8px 8px 0!important}\n.tcm-pregdecl.tcm-pregdecl .tcm-pregdecl-arrow{color:var(--tcm-gold)!important;font-weight:700!important;line-height:1.5!important}\n.tcm-pregdecl.tcm-pregdecl .tcm-pregdecl-answer-text{color:var(--tcm-ink)!important;font-size:13px!important;line-height:1.5!important}\n.tcm-pregdecl.tcm-pregdecl .tcm-pregdecl-note{color:#7a829d!important;font-size:11.5px!important;line-height:1.5!important;text-align:center!important;margin:0!important;padding:0 18px 14px!important;background:none!important;border:0!important}\n.tcm-pregdecl.tcm-pregdecl .tcm-pregdecl-intro{background:var(--tcm-tint)!important;color:var(--tcm-muted)!important;font-size:12.5px!important;line-height:1.45!important;text-align:center!important;margin:0!important;padding:10px 18px!important;border-bottom:1px solid var(--tcm-line)!important}\n<\/style>\n<div class=\"tcm-pregdecl\">\n  <p class=\"tcm-pregdecl-intro\">Tap the situation that matches yours to see whether you need to declare your pregnancy when you buy cover.<\/p>\n  <ul class=\"tcm-pregdecl-list\">\n    <li class=\"tcm-pregdecl-item\">\n      <button class=\"tcm-pregdecl-q\" type=\"button\" aria-expanded=\"false\" aria-controls=\"tcm-pregdecl-a1\"><span class=\"tcm-pregdecl-qtext\">Uncomplicated, natural pregnancy?<\/span><span class=\"tcm-pregdecl-icon\" aria-hidden=\"true\">+<\/span><\/button>\n      <div class=\"tcm-pregdecl-answer\" id=\"tcm-pregdecl-a1\" role=\"region\"><div class=\"tcm-pregdecl-answer-inner\"><span class=\"tcm-pregdecl-arrow\" aria-hidden=\"true\">&rarr;<\/span><span class=\"tcm-pregdecl-answer-text\">Generally no separate declaration needed. Most insurers treat this the same as any other traveller.<\/span><\/div><\/div>\n    <\/li>\n    <li class=\"tcm-pregdecl-item\">\n      <button class=\"tcm-pregdecl-q\" type=\"button\" aria-expanded=\"false\" aria-controls=\"tcm-pregdecl-a2\"><span class=\"tcm-pregdecl-qtext\">Had complications with this pregnancy?<\/span><span class=\"tcm-pregdecl-icon\" aria-hidden=\"true\">+<\/span><\/button>\n      <div class=\"tcm-pregdecl-answer\" id=\"tcm-pregdecl-a2\" role=\"region\"><div class=\"tcm-pregdecl-answer-inner\"><span class=\"tcm-pregdecl-arrow\" aria-hidden=\"true\">&rarr;<\/span><span class=\"tcm-pregdecl-answer-text\">A medical assessment will likely be required as part of buying the policy.<\/span><\/div><\/div>\n    <\/li>\n    <li class=\"tcm-pregdecl-item\">\n      <button class=\"tcm-pregdecl-q\" type=\"button\" aria-expanded=\"false\" aria-controls=\"tcm-pregdecl-a3\"><span class=\"tcm-pregdecl-qtext\">Expecting twins or multiples?<\/span><span class=\"tcm-pregdecl-icon\" aria-hidden=\"true\">+<\/span><\/button>\n      <div class=\"tcm-pregdecl-answer\" id=\"tcm-pregdecl-a3\" role=\"region\"><div class=\"tcm-pregdecl-answer-inner\"><span class=\"tcm-pregdecl-arrow\" aria-hidden=\"true\">&rarr;<\/span><span class=\"tcm-pregdecl-answer-text\">Check the specific requirements. Gestation limits and declaration rules often differ for multiple pregnancies.<\/span><\/div><\/div>\n    <\/li>\n    <li class=\"tcm-pregdecl-item\">\n      <button class=\"tcm-pregdecl-q\" type=\"button\" aria-expanded=\"false\" aria-controls=\"tcm-pregdecl-a4\"><span class=\"tcm-pregdecl-qtext\">Conceived through IVF or assisted reproductive treatment?<\/span><span class=\"tcm-pregdecl-icon\" aria-hidden=\"true\">+<\/span><\/button>\n      <div class=\"tcm-pregdecl-answer\" id=\"tcm-pregdecl-a4\" role=\"region\"><div class=\"tcm-pregdecl-answer-inner\"><span class=\"tcm-pregdecl-arrow\" aria-hidden=\"true\">&rarr;<\/span><span class=\"tcm-pregdecl-answer-text\">Check with the insurer directly. Some, like Zoom, require declaration for assisted conception even without complications; others are quieter on this point.<\/span><\/div><\/div>\n    <\/li>\n    <li class=\"tcm-pregdecl-item\">\n      <button class=\"tcm-pregdecl-q\" type=\"button\" aria-expanded=\"false\" aria-controls=\"tcm-pregdecl-a5\"><span class=\"tcm-pregdecl-qtext\">Had complications with a previous pregnancy?<\/span><span class=\"tcm-pregdecl-icon\" aria-hidden=\"true\">+<\/span><\/button>\n      <div class=\"tcm-pregdecl-answer\" id=\"tcm-pregdecl-a5\" role=\"region\"><div class=\"tcm-pregdecl-answer-inner\"><span class=\"tcm-pregdecl-arrow\" aria-hidden=\"true\">&rarr;<\/span><span class=\"tcm-pregdecl-answer-text\">Declare it and check your eligibility. This can affect assessment even if the current pregnancy is straightforward.<\/span><\/div><\/div>\n    <\/li>\n  <\/ul>\n\n  <div class=\"tcm-pregdecl-note\">\n    <b>Worth knowing:<\/b> if any of the last four apply to you, expect an online medical assessment and possibly a higher premium if cover is approved. Tick also applies a 12-month waiting period on pre-existing pregnancy-related conditions, longer than most providers use elsewhere, so it&#8217;s worth factoring in if you&#8217;re buying close to your due date rather than early on.\n  <\/div>\n<\/div>\n\n<script>\n(function () {\n  var wrap = document.currentScript ? document.currentScript.previousElementSibling : null;\n  if (!wrap || !wrap.classList || !wrap.classList.contains('tcm-pregdecl')) wrap = document.querySelector('.tcm-pregdecl');\n  if (!wrap || wrap.getAttribute('data-ready')) return;\n  wrap.setAttribute('data-ready', '1');\n  var items = wrap.querySelectorAll('.tcm-pregdecl-item');\n  items.forEach(function (item) {\n    var btn = item.querySelector('.tcm-pregdecl-q');\n    btn.addEventListener('click', function () {\n      var isOpen = item.classList.contains('open');\n      items.forEach(function (i) { i.classList.remove('open'); i.querySelector('.tcm-pregdecl-q').setAttribute('aria-expanded', 'false'); });\n      if (!isOpen) { item.classList.add('open'); btn.setAttribute('aria-expanded', 'true'); }\n    });\n  });\n})();\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n\n\n\n<h2 class=\"wp-block-heading\">Travelling With the Rest of the Family<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you&#8217;re pregnant and travelling with other children in tow, it&#8217;s worth reading this guide alongside our&nbsp;<a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-families\/\">travel insurance for families guide<\/a>, since the two sit on top of each other rather than replacing one another &#8211; your pregnancy cover applies to you specifically, while family cover determines how the rest of your group, including any kids already born, is protected on the same trip.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Before you book:<\/strong>&nbsp;get written confirmation from your doctor that you&#8217;re fit to fly, especially if you&#8217;re travelling later in pregnancy or have had any complications &#8211; most insurers will ask for this if you ever need to make a claim, and airlines often require it too as you get closer to your due date.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If something does go wrong and you need to make a claim, the process for pregnancy-related claims is the same as any other medical claim &#8211; our&nbsp;<a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/travel-insurance-claim-guide\/\">guide to making a successful claim<\/a>&nbsp;covers what to document and when to report it, which matters just as much here as it does for any other unexpected medical event overseas.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Bringing It All Together<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The gap between insurers on this topic is bigger than almost anywhere else in travel insurance &#8211; a five-week difference in gestation limit, or whether childbirth itself is covered at all, is the kind of thing that can genuinely decide which provider makes sense for your trip. If you&#8217;re travelling early in pregnancy with no complications, the difference between providers matters less, since most of them cover the basics in a similar way. The closer you get to your due date, or the more complicated your pregnancy has been, the more it pays to start with AllClear and Tick specifically, since they&#8217;re the two providers offering meaningfully more room than the rest of the market.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Whatever stage you&#8217;re at, the same rule applies as with any other travel insurance decision: read the pregnancy section of the PDS before you buy, not after you need to claim. It&#8217;s a five-minute check that can be the difference between a straightforward claim and a declined one.<\/p>\n\n\n\t\t<div data-elementor-type=\"section\" data-elementor-id=\"103389\" class=\"elementor elementor-103389\" data-elementor-post-type=\"elementor_library\">\n\t\t\t<div class=\"elementor-element elementor-element-7a6007a e-flex e-con-boxed e-con e-parent\" data-id=\"7a6007a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element- elementor-widget elementor-widget-html\" data-id=\"\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\r\nhtml body .tcm-mtig { display:block !important; width:100% !important; margin:0 !important; padding:0 !important; font-family:inherit !important; box-sizing:border-box !important; }\r\nhtml body .tcm-mtig *, html body .tcm-mtig *::before, html body .tcm-mtig *::after { box-sizing:border-box !important; }\r\nhtml body .tcm-mtig .tcm-pricematch-grid { display:grid !important; grid-template-columns:repeat(auto-fill, minmax(220px, 1fr)) !important; gap:8px !important; margin:0.85rem 0 0 0 !important; padding:0 !important; }\r\nhtml body .tcm-mtig a.tcm-country-link { display:flex !important; align-items:center !important; justify-content:space-between !important; gap:6px !important; font-family:inherit !important; background:#f8f9fc !important; border:1px solid rgba(10,31,92,0.08) !important; border-radius:7px !important; padding:0.55rem 0.75rem !important; margin:0 !important; font-size:12.5px !important; font-weight:600 !important; line-height:1.4 !important; color:inherit !important; text-decoration:none !important; box-shadow:none !important; transition:border-color 0.15s ease, background 0.15s ease !important; }\r\nhtml body .tcm-mtig a.tcm-country-link:hover { border-color:#b8992e !important; background:#ffffff !important; color:inherit !important; text-decoration:none !important; }\r\nhtml body .tcm-mtig a.tcm-country-link:focus-visible { outline:2px solid #b8992e !important; outline-offset:2px !important; }\r\nhtml body .tcm-mtig .tcm-country-link-label { display:inline-flex !important; align-items:center !important; gap:7px !important; color:inherit !important; }\r\nhtml body .tcm-mtig .tcm-country-link-icon { font-size:13px !important; color:#b8992e !important; flex-shrink:0 !important; }\r\n@media (max-width: 600px) {\r\n  html body .tcm-mtig .tcm-pricematch-grid { grid-template-columns:minmax(0, 1fr) !important; }\r\n}\r\n<\/style>\r\n\r\n<h2 class=\"wp-block-heading\">More Travel Insurance Guides<\/h2>\r\n\r\n<div class=\"tcm-mtig\">\r\n  <p class=\"wp-block-paragraph\">Every trip, traveller and risk changes what you need from a policy. These guides go deeper on each situation, and it&#8217;s worth comparing <a href=\"https:\/\/thechampagnemile.com.au\/deals\/travel-insurance-promo-codes\/\">providers<\/a> before you buy. <a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/#travel-insurance-guides\">Browse all travel insurance guides<\/a>.<\/p>\r\n  <div class=\"tcm-pricematch-grid\"><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-families\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-users-group tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Best Travel Insurance for Families<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-backpackers\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-backpack tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Best Travel Insurance for Backpackers<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-students\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-school tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Best Travel Insurance for Students<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-pregnant-travellers\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-baby-carriage tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Best Travel Insurance for Pregnant Travellers<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-seniors-in-australia\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-heart-handshake tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Best Travel Insurance for Seniors<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-cruises\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-anchor tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Best Travel Insurance for Cruises<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/annual-vs-single-trip-travel-insurance\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-calendar-repeat tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Annual vs Single Trip Travel Insurance<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/domestic-travel-insurance\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-map-pin tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Domestic Travel Insurance<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/travel-insurance-pre-existing-medical-conditions\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-heartbeat tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Pre-Existing Medical Conditions<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/travel-insurance-for-adventure-sports\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-mountain tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Travel Insurance for Adventure Sports<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/credit-card-travel-insurance\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-credit-card tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Credit Card Travel Insurance<\/span><\/a><\/div>\r\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n\n\n\n<h2 class=\"wp-block-heading\">Other Useful Links<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Got a complaint about a travel insurer? Lodge it with the <a href=\"https:\/\/www.afca.org.au\/make-a-complaint\/insurance\">Australian Financial Complaints Authority (AFCA)<\/a> \u2013 give the insurer a chance to resolve it internally first, usually within 45 days.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For current government travel advisories, check <a href=\"https:\/\/www.smartraveller.gov.au\/\">Smartraveller<\/a> \u2013 Australia&#8217;s official travel advisory service.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Frequently Asked Questions<\/h2>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">Which travel insurer covers pregnancy the furthest into gestation?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">Of the providers we compare, AllClear offers the longest window, covering pregnancy up to 36 weeks for a single pregnancy and 32 weeks for twins.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">Do I need to declare my pregnancy when buying travel insurance?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">Not usually, if it&#8217;s a straightforward pregnancy conceived naturally with no complications. You&#8217;ll generally need to complete a medical assessment if you&#8217;ve had complications, are expecting twins or multiples, or conceived through assisted reproductive treatment.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">Does travel insurance cover childbirth if I go into labour overseas?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">Usually not. Most insurers exclude childbirth and newborn care entirely, regardless of the circumstances. A small number, including AllClear, do cover emergency childbirth as part of their policy.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">Does travel insurance cover pregnancy?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">Yes, most comprehensive policies cover unexpected pregnancy complications up to a set number of weeks, which varies significantly by provider &#8211; anywhere from 23 weeks to 36 weeks for a single pregnancy.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">Can I buy travel insurance when pregnant?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">Yes, many insurers will cover a pregnant traveller, usually up to a gestational limit and for complications rather than routine care. Limits and exclusions differ between providers, so compare the PDS before you buy.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">Does travel insurance cover childbirth?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">Routine childbirth is commonly excluded, and cover for complications is usually limited by how far along the pregnancy is. Check the PDS for the exact wording and the weeks of pregnancy that apply.<\/p>\n<\/div><\/div>\n\n\n\t\t<div data-elementor-type=\"container\" data-elementor-id=\"102958\" class=\"elementor elementor-102958\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cc77e70 e-con-full e-flex e-con e-parent\" data-id=\"cc77e70\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-733ec7f elementor-widget elementor-widget-html\" data-id=\"733ec7f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\nsection.tcm-eeat{margin:0 0 24px;font-family:inherit;color:#1c1f2a}\nsection.tcm-eeat ul.tcm-eeat-items{list-style:none !important;margin:0 !important;padding:0 !important;display:grid !important;grid-template-columns:1fr 1fr;gap:10px}\nsection.tcm-eeat ul.tcm-eeat-items li.tcm-eeat-item{list-style:none !important;display:flex !important;gap:12px;align-items:flex-start;background:#f5f6fb;border:1px solid #e6e9f3;border-radius:10px;padding:12px 14px !important;margin:0 !important}\nsection.tcm-eeat li.tcm-eeat-item::before,section.tcm-eeat li.tcm-eeat-item::marker{display:none !important;content:none !important}\nsection.tcm-eeat li.tcm-eeat-item > i{flex:0 0 auto;display:block;font-size:20px;color:#b8992e;margin-top:2px}\nsection.tcm-eeat.tcm-eeat ul.tcm-eeat-items li.tcm-eeat-item h3{margin:0 0 3px !important;padding:0 !important;font-size:15px !important;line-height:1.35 !important;font-weight:700;color:#0a1f5c}\nsection.tcm-eeat .tcm-eeat-item p{margin:0 !important;padding:0 !important;font-size:14px;line-height:1.55;color:#454a5a}\n.tcm-eeat a{color:#0a1f5c;text-decoration:underline;text-decoration-color:#b8992e;text-underline-offset:2px}\n.tcm-eeat a:hover{color:#b8992e}\n@media (max-width:640px){section.tcm-eeat ul.tcm-eeat-items{grid-template-columns:1fr}}\n<\/style>\n<section class=\"tcm-eeat\" aria-label=\"Why trust us\">\n  <h2 class=\"wp-block-heading\">Why Trust Us<\/h2>\n  <ul class=\"tcm-eeat-items\">\n    <li class=\"tcm-eeat-item\">\n      <i class=\"ti ti-map-pin-check\" aria-hidden=\"true\"><\/i>\n      <div>\n        <h3>Independent and Australian<\/h3>\n        <p>We focus on deals Australians can actually use. Commercial partnerships never decide which brands we cover or how we rank them.<\/p>\n      <\/div>\n    <\/li>\n    <li class=\"tcm-eeat-item\">\n      <i class=\"ti ti-shield-check\" aria-hidden=\"true\"><\/i>\n      <div>\n        <h3>Sourced and checked<\/h3>\n        <p>Codes come from the brands themselves and our official affiliate partners, not scraped from other coupon sites. We note terms like minimum spend, eligible products and new customer rules.<\/p>\n      <\/div>\n    <\/li>\n    <li class=\"tcm-eeat-item\">\n      <i class=\"ti ti-refresh\" aria-hidden=\"true\"><\/i>\n      <div>\n        <h3>Kept up to date<\/h3>\n        <p>Offers can change at short notice, so we review our pages regularly. The last updated date is shown on this page.<\/p>\n      <\/div>\n    <\/li>\n    <li class=\"tcm-eeat-item\">\n      <i class=\"ti ti-message-report\" aria-hidden=\"true\"><\/i>\n      <div>\n        <h3>Corrections welcome<\/h3>\n        <p>Spotted something out of date? <a href=\"https:\/\/thechampagnemile.com.au\/deals\/contact\/\">Let us know<\/a> and we will look into it and update the page. See our <a href=\"https:\/\/thechampagnemile.com.au\/editorial-policy\/\">editorial policy<\/a>.<\/p>\n      <\/div>\n    <\/li>\n  <\/ul>\n<\/section>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n\n\n<div id=\"rh-postel-610635446\" class=\"rh-flex-center-align rh-flex-justify-\">\n\t\t<style>\n\t\t\t#rh-postel-610635446 .heart_thumb_wrap .heartplus{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-610635446 .price_count{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-610635446 a.admin{\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-610635446 .admin-name{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-610635446 a.admin img{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-610635446 nav.top_menu > ul > li{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-610635446 .admin_meta_el{\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-610635446 .priced_block .btn_offer_block{\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-610635446 .wpsm-button.medium{\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-610635446 .menu-cart-btn{\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-610635446 .price_count .rh_regular_price{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-610635446 .price_count del{\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-610635446 .rh-header-icon{\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-610635446 nav.top_menu > ul > li > a{\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-610635446 .dl-menuwrapper button svg line{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-610635446 .dl-menuwrapper button{\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-610635446 nav.top_menu ul.sub-menu > li > a{\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-610635446 .heads_icon_label{\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-610635446 .rh_woocartmenu-amount{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-610635446 .row_social_inpost span.share-link-image{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-610635446 .favour_btn_red .heart_thumb_wrap{\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-610635446 .favour_in_row{\n\t\t\t\t\n\t\t\t}\n\t\t<\/style>                    <div class=\"author_detail_box clearfix\"><img alt='Michael Coates' src='https:\/\/secure.gravatar.com\/avatar\/256e32f2f5867573891f17366c8dd5f6358af8dff92dc7f5a4b2b53df73e2e5a?s=69&#038;d=mm&#038;r=g' srcset='https:\/\/secure.gravatar.com\/avatar\/256e32f2f5867573891f17366c8dd5f6358af8dff92dc7f5a4b2b53df73e2e5a?s=138&#038;d=mm&#038;r=g 2x' class='avatar avatar-69 photo' height='69' width='69' \/>                <style>\r\n                    .author_detail_box { background-color: #fff; border: 1px solid #ededed; padding: 20px 0px; margin: 5px auto 40px auto; position: relative; min-height: 90px;width: 100%}\r\n                    .author_detail_box a{text-decoration: none;}\r\n                    .archive .author_detail_box { margin: 0 0 10px 0 }\r\n                    .author_detail_box .avatar {width: 71px; position: absolute; left: 20px; top: 15px; }\r\n                    .author_detail_box > div { width: 100%;    padding: 0 20px 0 110px }\r\n                    .author_detail_box div .social_icon { border-bottom: 1px solid #eee; padding-bottom: 15px; margin-bottom: 15px; }\r\n                    .author_detail_box div h4 {margin: 0 0 8px 0;}\r\n                    .author_detail_box div p { font-size: 14px;line-height: 16px; color: #111111; margin: 0 0 10px 0 }\r\n                    .author_detail_box .rh_mycred-users-badges{display: inline-block; margin-right: 5px }\r\n                    .rtl .author_detail_box .avatar { left: inherit; right: 20px }\r\n                    .rtl .author_detail_box > div { padding: 0 110px 0 20px }\r\n                <\/style>\r\n                <div class=\"clearfix\">\r\n                                    \r\n                    <strong class=\"mb10\">\r\n                        <a href=\"https:\/\/thechampagnemile.com.au\/deals\/author\/michael\/\">Michael Coates<\/a>\r\n                                                \r\n                    <\/strong class=\"mb10\">\r\n                    <div class=\"social_icon small_i\">\r\n                        <div class=\"comm_meta_cred\">\r\n                                                                                <\/div>                     \r\n                        <a href=\"https:\/\/thechampagnemile.com.au\/deals\/\" class=\"author-social hm\" rel=\"nofollow\"><i class=\"rhicon rhi-home\"><\/i><\/a>                                                                                                                                                                                                                     <\/div>\r\n                    <p>Michael has been publishing deals and travel content for Australians for more than 10 years and runs the deals section of The Champagne Mile. With a Bachelor of Commerce and a background in commercial law, he reads the fine print so you don&#8217;t have to, from insurance PDSs to promo code terms. Every deal on the site is checked before it goes live and updated when offers change. When he&#8217;s not testing codes, he&#8217;s planning his next overseas trip or out on his dirt bike.<\/p>                    <p>\r\n                <\/div>\r\n            <\/div>\r\n        <\/div>","protected":false},"excerpt":{"rendered":"<p>Travelling while pregnant is completely normal, and for most of the pregnancy it doesn&#8217;t need to change much about how you book or where you go. Where it does matter is your travel insurance, because pregnancy is one of the few areas where the fine print genuinely differs from one provider to the next &#8211; [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":98953,"parent":96339,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[],"tags":[],"class_list":["post-98949","page","type-page","status-publish","has-post-thumbnail","hentry"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 5.0.5 - aioseo.com -->\n\t<meta name=\"description\" content=\"Travelling while pregnant? 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