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Travel insurance for pregnancy

Travel insurance for pregnancy

Travelling while pregnant?

Travelling while pregnant?

See why over a million chose us

Multi award-winning cover†

Recognised for value

Finder Awards 2025 Highly Commended – Comprehensive Travel Insurance; Canstar 2025 Outstanding Value – Seniors Travel Insurance; WeMoney 2025 Winner – Domestic Travel Insurance of the Year

Rated by thousands†

on Product Review

4.7 Rated

Aussie owned & operated

Feel local support

Fast Cover Australian Based Team

See why over a million chose us

Multi award-winning cover†

Recognised for value

Finder Awards 2025 Highly Commended – Comprehensive Travel Insurance; Canstar 2025 Outstanding Value – Seniors Travel Insurance; WeMoney 2025 Winner – Domestic Travel Insurance of the Year
Rated by thousands†

on Product Review

4.7 Rated
Aussie owned & operated

Feel local support

Fast Cover Australian Based Team

What customers are saying‡

Amazing! A very quick and smooth process and the coverage is easy to understand.

Annie

May, 2025

It was great, efficient, clear and easy

Gabrielle

May, 2025

We were recommended to Fastcover by a friend and wouldn't hesitate to recommend to others.

Mark

July 2026

Fast cover were very informative of what each package included.

Maddie

May, 2025

Getting a quote and purchasing my policy was quick & easy, taking just minutes.

Adem

May, 2025

What customers are saying‡

Amazing! A very quick and smooth process and the coverage is easy to understand.

Annie

May, 2025

It was great, efficient, clear and easy

Gabrielle

May, 2025

We were recommended to Fastcover by a friend and wouldn't hesitate to recommend to others.

Mark

July 2026

Fast cover were very informative of what each package included.

Maddie

May, 2025

Getting a quote and purchasing my policy was quick & easy, taking just minutes.

Adem

May, 2025

Top 3 things to know

What it covers

Optional extras

Compare benefits

Top 3 things to know

What it covers

Optional extras

Compare benefits

Learn more travel insurance for pregnancy for your next trip

Updated on

15 July 2026

Learn more travel insurance for pregnancy for your next trip

Updated on

15 July 2026

Tatjana Growth Manager at Fast Cover

Written by

Fact checked

Tatjana Growth Manager at Fast Cover

Written by

Fact checked

No h2 headings found in #content

Fast Cover’s travel insurance policies are available to provide pregnancy cover for your unexpected serious complications of pregnancy and childbirth that occur:

  • Up to the end of the 23rd week of pregnancy if you are pregnant with a single child;

  • Up to the end of the 19th week of pregnancy if you are pregnant with twins or multiple children.

Complications of pregnancy and childbirth means any condition you have been diagnosed with or treated for in the past or any secondary diagnosis, occurring prior to, during the course of, concurrent with, or as a result of the pregnancy, which may adversely affect the pregnancy outcome including but not limited to the following:

  • Toxemia (toxins in the blood)

  • Gestational diabetes (diabetes arising because of pregnancy)

  • Gestational hypertension (high blood pressure arising because of pregnancy)

  • Pre-eclampsia (where you develop high blood pressure, carry abnormal fluid and have protein in your urine during the second half of pregnancy)

  • Ectopic pregnancy (a pregnancy that develops outside of the uterus)

  • Molar pregnancy or hydatidiform mole (a pregnancy in which a tumour develops from the placental tissue)

  • Post-partum haemorrhage (excessive bleeding following childbirth)

  • Retained placenta membrane (part or all the placenta is left behind in the uterus after delivery)

  • Placental abruption (part or all the placenta separates from the wall of the uterus)

  • Hyperemesis gravidarum (excessive vomiting because of pregnancy)

  • Placenta previa (when the placenta is in the lower part of the uterus and covers part or all of the cervix)

  • Stillbirth

  • Miscarriage

  • Emergency caesarean section

  • A termination needed for medical reasons

Cover is subject to the conditions and exclusions listed in our PDS and all other applicable terms and conditions, exclusions and limitations of the policy.

Planning a trip while pregnant often means booking flights, accommodation or tours well in advance. If you need to cancel your trip due to a covered pregnancy-related complication or another event covered under your policy, Fast Cover’s Trip Cancellation Expenses benefit may reimburse some non-refundable, pre-paid trip bookings such as flights, accommodation or tours.*

Fast Cover allows you to purchase travel insurance up to 12 months before departure, which can help cover eligible pre-paid expenses if a covered event occurs after your policy is issued.*

Please note Trip Cancellation Expenses benefit is not available with our Basics policy.

When travelling while pregnant, knowing where to turn to in emergency matters. With Fast Cover’s travel insurance for pregnancy, you have access to our Australian-based Emergency Assistance team, available 24/7.*

Depending on your situation, our Emergency Assistance team may be able to help by:

  • Assisting with locating appropriate overseas medical treatment or hospital admission

  • Coordinating approved medical evacuation or repatriation where medically necessary

  • Providing guidance on accessing local medical support services

All emergency medical assistance arranged by our Emergency Assistance team must be approved by Fast Cover before being undertaken.*

If you experience an unexpected medical emergency including a serious complication of pregnancy or childbirth overseas that is covered under your policy, Fast Cover may be able to help with eligible overseas emergency medical and hospital expenses.*

Cover for pregnancy and childbirth related complications is listed in the PDS and only applies up to the permitted week of gestation applicable to your type of pregnancy. Please note, routine or otherwise antenatal care including medications and vitamins, childbirth outside the defined circumstances, and costs relating to the health or care of a newborn are not covered whatever the cause of the claim is (if you deliver overseas for any reason, including premature birth, there is no cover for costs related to caring for the child or children).*

In serious pregnancy or medical emergencies, you may need to be transferred to another medical facility or returned to Australia for treatment. Fast Cover travel insurance may provide cover for your reasonable additional accommodation and travel expenses, medical transfer, evacuation or repatriation if you must be transported to the nearest hospital for emergency medical treatment or be brought back to Australia with appropriate medical supervision.

The medical transfer, evacuation or repatriation must first be approved by Fast Cover.*

Lost luggage, damaged or stolen personal items can add stress, discomfort, and unexpected expenses to a trip, particularly for pregnant travellers. Fast Cover’s travel insurance may include cover for your luggage and personal items such as laptops, cameras, and phones if they are lost, stolen or accidentally damaged in situations covered under your policy.*

Benefit limits and sub-limits apply to how much can be claimed for each item, and certain conditions set out when and how cover applies. For full details, it’s important to read the PDS to understand your entitlements and any exclusions that may apply.*

When you’re travelling, unexpected delays can mean additional costs for meals or accommodation while you wait for your journey to continue. If your pre-booked transport is cancelled and rescheduled, or delayed due to an event covered under your policy, Fast Cover’s Travel Delay Expenses benefit may reimburse the reasonable cost of additional meals and accommodation you need to purchase because of the delay.*

This benefit may provide reimbursement of reasonable additional meal and accommodation expenses, up to $200 per adult traveller if your carrier is delayed for at least 6 hours from the scheduled departure time. For each subsequent full 24-hour period beyond the initial 6-hour delay from the time your carrier was scheduled to depart until your rescheduled departure time, this benefit allows for another $200.*

Fast Cover’s travel insurance policies are available to provide pregnancy cover for your unexpected serious complications of pregnancy and childbirth that occur:

  • Up to the end of the 23rd week of pregnancy if you are pregnant with a single child;

  • Up to the end of the 19th week of pregnancy if you are pregnant with twins or multiple children.

Complications of pregnancy and childbirth means any condition you have been diagnosed with or treated for in the past or any secondary diagnosis, occurring prior to, during the course of, concurrent with, or as a result of the pregnancy, which may adversely affect the pregnancy outcome including but not limited to the following:

  • Toxemia (toxins in the blood)

  • Gestational diabetes (diabetes arising because of pregnancy)

  • Gestational hypertension (high blood pressure arising because of pregnancy)

  • Pre-eclampsia (where you develop high blood pressure, carry abnormal fluid and have protein in your urine during the second half of pregnancy)

  • Ectopic pregnancy (a pregnancy that develops outside of the uterus)

  • Molar pregnancy or hydatidiform mole (a pregnancy in which a tumour develops from the placental tissue)

  • Post-partum haemorrhage (excessive bleeding following childbirth)

  • Retained placenta membrane (part or all the placenta is left behind in the uterus after delivery)

  • Placental abruption (part or all the placenta separates from the wall of the uterus)

  • Hyperemesis gravidarum (excessive vomiting because of pregnancy)

  • Placenta previa (when the placenta is in the lower part of the uterus and covers part or all of the cervix)

  • Stillbirth

  • Miscarriage

  • Emergency caesarean section

  • A termination needed for medical reasons

Cover is subject to the conditions and exclusions listed in our PDS and all other applicable terms and conditions, exclusions and limitations of the policy.

Planning a trip while pregnant often means booking flights, accommodation or tours well in advance. If you need to cancel your trip due to a covered pregnancy-related complication or another event covered under your policy, Fast Cover’s Trip Cancellation Expenses benefit may reimburse some non-refundable, pre-paid trip bookings such as flights, accommodation or tours.*

Fast Cover allows you to purchase travel insurance up to 12 months before departure, which can help cover eligible pre-paid expenses if a covered event occurs after your policy is issued.*

Please note Trip Cancellation Expenses benefit is not available with our Basics policy.

When travelling while pregnant, knowing where to turn to in emergency matters. With Fast Cover’s travel insurance for pregnancy, you have access to our Australian-based Emergency Assistance team, available 24/7.*

Depending on your situation, our Emergency Assistance team may be able to help by:

  • Assisting with locating appropriate overseas medical treatment or hospital admission

  • Coordinating approved medical evacuation or repatriation where medically necessary

  • Providing guidance on accessing local medical support services

All emergency medical assistance arranged by our Emergency Assistance team must be approved by Fast Cover before being undertaken.*

If you experience an unexpected medical emergency including a serious complication of pregnancy or childbirth overseas that is covered under your policy, Fast Cover may be able to help with eligible overseas emergency medical and hospital expenses.*

Cover for pregnancy and childbirth related complications is listed in the PDS and only applies up to the permitted week of gestation applicable to your type of pregnancy. Please note, routine or otherwise antenatal care including medications and vitamins, childbirth outside the defined circumstances, and costs relating to the health or care of a newborn are not covered whatever the cause of the claim is (if you deliver overseas for any reason, including premature birth, there is no cover for costs related to caring for the child or children).*

In serious pregnancy or medical emergencies, you may need to be transferred to another medical facility or returned to Australia for treatment. Fast Cover travel insurance may provide cover for your reasonable additional accommodation and travel expenses, medical transfer, evacuation or repatriation if you must be transported to the nearest hospital for emergency medical treatment or be brought back to Australia with appropriate medical supervision.

The medical transfer, evacuation or repatriation must first be approved by Fast Cover.*

Lost luggage, damaged or stolen personal items can add stress, discomfort, and unexpected expenses to a trip, particularly for pregnant travellers. Fast Cover’s travel insurance may include cover for your luggage and personal items such as laptops, cameras, and phones if they are lost, stolen or accidentally damaged in situations covered under your policy.*

Benefit limits and sub-limits apply to how much can be claimed for each item, and certain conditions set out when and how cover applies. For full details, it’s important to read the PDS to understand your entitlements and any exclusions that may apply.*

When you’re travelling, unexpected delays can mean additional costs for meals or accommodation while you wait for your journey to continue. If your pre-booked transport is cancelled and rescheduled, or delayed due to an event covered under your policy, Fast Cover’s Travel Delay Expenses benefit may reimburse the reasonable cost of additional meals and accommodation you need to purchase because of the delay.*

This benefit may provide reimbursement of reasonable additional meal and accommodation expenses, up to $200 per adult traveller if your carrier is delayed for at least 6 hours from the scheduled departure time. For each subsequent full 24-hour period beyond the initial 6-hour delay from the time your carrier was scheduled to depart until your rescheduled departure time, this benefit allows for another $200.*

Cruises are a popular choice for travellers planning a pregnancy-friendly holiday or a babymoon. If your travel plans include cruising, you can choose to add cruise cover to your travel insurance policy for additional cover in case of unexpected emergencies on board the ship or during onshore excursions where the cruise operator may not provide support.*

If you are travelling on a cruise ship and wish to be covered for it, you must specify cruise cover at the time of purchase based on your destination and length of your cruise trip:

  • If you are travelling within Australian waters, the New Zealand or the South Pacific region for 1 night or more

  • If you are travelling on a cruise within Asia, Europe or Worldwide regions for 4 nights or more

By adding this option, your existing international travel insurance benefits will extend to when you’re on a cruise. This may provide cover for unexpected emergencies on-board the cruise ship where no support or reimbursement is provided by the cruise company.*

For more details, visit our page on travel insurance for cruises and read our PDS for terms and conditions of cover for travelling on cruise ships.

Many travellers who are pregnant may prefer the flexibility and comfort of hiring a car while travelling. Renting a vehicle allows you to travel at your own pace and reduce reliance on public transport.

If your rental vehicle is in an accident, damaged or stolen during your trip overseas, Fast Cover can, depending on the policy chosen, and on payment of additional premium provide reasonable additional cover of up to $8,000 for the rental vehicle excess component of your rental vehicle insurance with your car hire company overseas.*

Rental Vehicle Excess Benefit is an optional add-on for international policies. It is already included in Domestic Plus policy with a limit of up to $5000.

The rental vehicle excess benefit applies to a:

  • Sedan, hatchback, or station wagon

  • Four-wheel drive or minibus/people mover

  • Campervan or motorhome (up to 4.5 tonnes)

rented from a licensed motor vehicle rental company (including vehicles rented from peer-to-peer carsharing platforms).*

For more details visit our page on rental vehicle excess cover and read our PDS for terms and conditions of cover for rental vehicle excess.

Are you travelling with high value items and worried they will get lost, stolen or damaged? If you would like to cover your valuable items for more than what they’re covered for under the included luggage and personal effects item limits, terms and conditions, you can choose to specify them as a specified high value item for an additional premium.*

Below are some examples of items you may be able to specify as high value items, they will be specifically listed on your certificate of insurance to confirm cover.

  • Phone

  • Laptop

  • Camera

For more details visit our page on travel insurance for luggage and personal effects and read our PDS on terms and conditions of cover for luggage and personal effects.

Planning on visiting the snow? Unexpected events at the snow can snowball into costly expenses. If you or your travel companion/s listed on the Certificate of Insurance are planning to ski or snowboard overseas, answer yes to ‘Will you be doing any snowsports?’ during your quote application. This gives you the option to purchase a “Snow Sports Plus” policy which can provide cover for costs associated with ski and snow sports.*

Below are some examples of things that may be covered in your snow sports benefits:

  • loss or theft of, or accidental damage to snow sports equipment

  • for hiring replacement snow sports equipment that is necessary to continue with your original itinerary if snow sports equipment owned by you has been misdirected or delayed for a period of more than 24-hours, or has been accidentally damaged, lost or stolen during your trip

  • if you are injured or become sick during your trip and are unable to utilise the full duration of your pre-booked and pre-paid lift passes, snow sports equipment hire, or lessons, we will reimburse you the percentage amount of the unused portion for each insured person

  • the cost of transport and lift passes at an alternate ski resort

in conditions and circumstances covered under your policy and as per limits and sub limits set out in our PDS.*

The Snow Sports Plus policy is available at an additional premium for Aussie travellers aged 69 and under at the date of policy issue, when they purchase an international travel insurance policy.*

For more details visit our page on travel insurance for skiing and snowboarding and read our PDS for terms and conditions of cover for Snow Sports.

Some pregnant travellers and their travel companions listed on the Certificate of Insurance may choose to participate in adventure activities while travelling. We encourage pregnant travellers to seek medical advice from their doctor before participating in any adventure activities. If your trip includes adventure activities, Fast Cover’s Adventure Pack gives you the option to include cover for a wider range of activities, provided they are undertaken in accordance with policy conditions.*

Examples of some activities that require the Adventure Pack include:

  • Abseiling

  • Outdoor rock climbing

  • Quad biking

  • Tandem parachuting and tandem skydiving

  • Sailing from 10 -15 nautical miles off any land mass

  • Scuba diving up to a depth of 30 m

  • Water skiing, jet skiing, and speedboating

Conditions apply for activities under our Adventure Pack so make sure to read the PDS for full T&Cs.

The Adventure Pack is available at an additional premium as an optional cover for Aussie travellers aged 74 and under (at the date of policy issue) when they purchase a Comprehensive, Standard Saver, Snow Sports Plus, Domestic Plus or Frequent Traveller Saver policy.*

For more details, visit our page on travel insurance for adventure activities.

In some destinations, travelling by scooter or motorcycle is a common way to get around, particularly for short distances. Some pregnant travellers and their travel companions listed on the Certificate of Insurance may choose to be the rider or a passenger on a motorcycle, moped or scooter overseas. Fast Cover’s Motorcycle Pack is an optional extra that you can add to your travel insurance policy that may provide cover to you for being the rider or passenger on a:

  • Motorcycle

  • Moped

  • Scooter.*

The Motorcycle Pack is available at an additional premium for Aussie travellers aged 74 years and under at the date of policy issue when they purchase an international travel insurance policy.*

For more details visit our page on travel insurance for riding a motorcycle overseas and read our PDS for terms and conditions of cover for the Motorcycle Pack.

Cruises are a popular choice for travellers planning a pregnancy-friendly holiday or a babymoon. If your travel plans include cruising, you can choose to add cruise cover to your travel insurance policy for additional cover in case of unexpected emergencies on board the ship or during onshore excursions where the cruise operator may not provide support.*

If you are travelling on a cruise ship and wish to be covered for it, you must specify cruise cover at the time of purchase based on your destination and length of your cruise trip:

  • If you are travelling within Australian waters, the New Zealand or the South Pacific region for 1 night or more

  • If you are travelling on a cruise within Asia, Europe or Worldwide regions for 4 nights or more

By adding this option, your existing international travel insurance benefits will extend to when you’re on a cruise. This may provide cover for unexpected emergencies on-board the cruise ship where no support or reimbursement is provided by the cruise company.*

For more details, visit our page on travel insurance for cruises and read our PDS for terms and conditions of cover for travelling on cruise ships.

Many travellers who are pregnant may prefer the flexibility and comfort of hiring a car while travelling. Renting a vehicle allows you to travel at your own pace and reduce reliance on public transport.

If your rental vehicle is in an accident, damaged or stolen during your trip overseas, Fast Cover can, depending on the policy chosen, and on payment of additional premium provide reasonable additional cover of up to $8,000 for the rental vehicle excess component of your rental vehicle insurance with your car hire company overseas.*

Rental Vehicle Excess Benefit is an optional add-on for international policies. It is already included in Domestic Plus policy with a limit of up to $5000.

The rental vehicle excess benefit applies to a:

  • Sedan, hatchback, or station wagon

  • Four-wheel drive or minibus/people mover

  • Campervan or motorhome (up to 4.5 tonnes)

rented from a licensed motor vehicle rental company (including vehicles rented from peer-to-peer carsharing platforms).*

For more details visit our page on rental vehicle excess cover and read our PDS for terms and conditions of cover for rental vehicle excess.

Are you travelling with high value items and worried they will get lost, stolen or damaged? If you would like to cover your valuable items for more than what they’re covered for under the included luggage and personal effects item limits, terms and conditions, you can choose to specify them as a specified high value item for an additional premium.*

Below are some examples of items you may be able to specify as high value items, they will be specifically listed on your certificate of insurance to confirm cover.

  • Phone

  • Laptop

  • Camera

For more details visit our page on travel insurance for luggage and personal effects and read our PDS on terms and conditions of cover for luggage and personal effects.

Planning on visiting the snow? Unexpected events at the snow can snowball into costly expenses. If you or your travel companion/s listed on the Certificate of Insurance are planning to ski or snowboard overseas, answer yes to ‘Will you be doing any snowsports?’ during your quote application. This gives you the option to purchase a “Snow Sports Plus” policy which can provide cover for costs associated with ski and snow sports.*

Below are some examples of things that may be covered in your snow sports benefits:

  • loss or theft of, or accidental damage to snow sports equipment

  • for hiring replacement snow sports equipment that is necessary to continue with your original itinerary if snow sports equipment owned by you has been misdirected or delayed for a period of more than 24-hours, or has been accidentally damaged, lost or stolen during your trip

  • if you are injured or become sick during your trip and are unable to utilise the full duration of your pre-booked and pre-paid lift passes, snow sports equipment hire, or lessons, we will reimburse you the percentage amount of the unused portion for each insured person

  • the cost of transport and lift passes at an alternate ski resort

in conditions and circumstances covered under your policy and as per limits and sub limits set out in our PDS.*

The Snow Sports Plus policy is available at an additional premium for Aussie travellers aged 69 and under at the date of policy issue, when they purchase an international travel insurance policy.*

For more details visit our page on travel insurance for skiing and snowboarding and read our PDS for terms and conditions of cover for Snow Sports.

Some pregnant travellers and their travel companions listed on the Certificate of Insurance may choose to participate in adventure activities while travelling. We encourage pregnant travellers to seek medical advice from their doctor before participating in any adventure activities. If your trip includes adventure activities, Fast Cover’s Adventure Pack gives you the option to include cover for a wider range of activities, provided they are undertaken in accordance with policy conditions.*

Examples of some activities that require the Adventure Pack include:

  • Abseiling

  • Outdoor rock climbing

  • Quad biking

  • Tandem parachuting and tandem skydiving

  • Sailing from 10 -15 nautical miles off any land mass

  • Scuba diving up to a depth of 30 m

  • Water skiing, jet skiing, and speedboating

Conditions apply for activities under our Adventure Pack so make sure to read the PDS for full T&Cs.

The Adventure Pack is available at an additional premium as an optional cover for Aussie travellers aged 74 and under (at the date of policy issue) when they purchase a Comprehensive, Standard Saver, Snow Sports Plus, Domestic Plus or Frequent Traveller Saver policy.*

For more details, visit our page on travel insurance for adventure activities.

In some destinations, travelling by scooter or motorcycle is a common way to get around, particularly for short distances. Some pregnant travellers and their travel companions listed on the Certificate of Insurance may choose to be the rider or a passenger on a motorcycle, moped or scooter overseas. Fast Cover’s Motorcycle Pack is an optional extra that you can add to your travel insurance policy that may provide cover to you for being the rider or passenger on a:

  • Motorcycle

  • Moped

  • Scooter.*

The Motorcycle Pack is available at an additional premium for Aussie travellers aged 74 years and under at the date of policy issue when they purchase an international travel insurance policy.*

For more details visit our page on travel insurance for riding a motorcycle overseas and read our PDS for terms and conditions of cover for the Motorcycle Pack.

A pregnancy condition means you are pregnant and any of the following circumstances apply to you:

  • You are experiencing complications with the pregnancy that fall within the definition of complications of pregnancy and childbirth listed in our PDS

  • You experienced complications with any previous pregnancy that fall within the definition of complications of pregnancy and childbirth in our PDS

  • You are having multiple children (e.g. twins, triplets or more)

  • Your conception was medically assisted (e.g. hormone therapy or IVF).

It’s important that you declare all relevant medical or pregnancy conditions when you apply for a quote. If your condition is approved through the medical screening process, it will be listed on your Certificate of Insurance and will then be included under your cover.

Please keep in mind that some existing medical conditions may require you to pay an additional cost for them to be included under your cover. You have the choice to either pay for this additional cost or not. If you choose to pay, the condition will be added to your policy and shown on your Certificate of Insurance. If you choose not to pay, that condition will not be covered and will still show on your Certificate of Insurance as not covered.

Any relevant medical or pregnancy condition that is not declared or not listed on your Certificate of Insurance will not be covered.

If your health changes after purchasing your policy but before you travel, you will need to contact Fast Cover for a medical re-screening. This process may adjust your premium and will determine whether your condition can continue to be covered.

A pregnancy condition means you are pregnant and any of the following circumstances apply to you:

  • You are experiencing complications with the pregnancy that fall within the definition of complications of pregnancy and childbirth listed in our PDS

  • You experienced complications with any previous pregnancy that fall within the definition of complications of pregnancy and childbirth in our PDS

  • You are having multiple children (e.g. twins, triplets or more)

  • Your conception was medically assisted (e.g. hormone therapy or IVF).

It’s important that you declare all relevant medical or pregnancy conditions when you apply for a quote. If your condition is approved through the medical screening process, it will be listed on your Certificate of Insurance and will then be included under your cover.

Please keep in mind that some existing medical conditions may require you to pay an additional cost for them to be included under your cover. You have the choice to either pay for this additional cost or not. If you choose to pay, the condition will be added to your policy and shown on your Certificate of Insurance. If you choose not to pay, that condition will not be covered and will still show on your Certificate of Insurance as not covered.

Any relevant medical or pregnancy condition that is not declared or not listed on your Certificate of Insurance will not be covered.

If your health changes after purchasing your policy but before you travel, you will need to contact Fast Cover for a medical re-screening. This process may adjust your premium and will determine whether your condition can continue to be covered.

Cover for existing medical conditions

If you have any existing medical conditions, you may be able to apply to include cover for them. Our simple medical screening process can be completed online or over the phone to help you find out if your condition can be covered.

Select who needs cover

Once you've added all travellers, to your policy, you can select those who wish to add cover for any existing medical conditions.

Take a medical screening

Answer a few questions online or over the phone about your health history. This helps us determine if your condition can be covered.

Choose to add cover

We'll let you know if we can provide cover for any existing medical conditions. You can then choose to add it to your policy.

Insurance cover options

At Fast Cover, we have a range of coverage options available for your overseas trip. The options below are a summary of some of the benefits available under the various policies, please see the PDS for full details.

Insurance cover options

At Fast Cover, we have a range of coverage options available for your overseas trip. The options below are a summary of some of the benefits available under the various policies, please see the PDS for full details.

Comprehensive

Standard Saver

Basics (medical only)

Frequent Traveller Saver

Pregnancy often means booking travel well in advance, whether it’s a babymoon, a family visit, or a planned holiday before your due date. Pregnancy can be unpredictable, and your doctor may advise against travel closer to your departure date due to an unexpected pregnancy condition or medical condition.

Flights, accommodation and tours are often paid for upfront and may be non-refundable. If you need to cancel your trip due to a covered pregnancy-related complication or another event covered under your policy, travel insurance may help reimburse your non-refundable, pre-paid trip bookings such as flights, accommodation or tours.

Many Australian travellers wonder how pregnancy is treated under travel insurance and whether pregnancy-related conditions will be covered while travelling overseas. Not having clarity around this can be stressful, especially when planning a trip during pregnancy.

With Fast Cover, you can check whether pregnancy or pregnancy-related conditions may be covered under your policy. Depending on your circumstances, a medical screening may be required so we can assess your situation and confirm whether cover applies. This cover is subject to any conditions or exclusions that may apply.

In some cases, an additional premium may be required if cover is offered following a medical screening. This process helps ensure you understand what pregnancy-related cover may apply, including any limits or exclusions, before you travel.

While many pregnancies progress without issue, complications can arise unexpectedly. If you experience an unexpected pregnancy-related complication while travelling that is covered under your policy which occurs within the covered weeks of gestation, Fast Cover’s international travel insurance policies may include access to:

  • Overseas emergency medical and hospital expenses

  • Overseas 24/7 emergency medical assistance

  • Emergency medical evacuation or repatriation when pre-approved

Please note, our policies do not cover routine antenatal care or childbirth outside the circumstances set out in the PDS, so understanding these limits is important.

Travel delays caused by severe weather, strike or other unexpected events can be more challenging when you’re pregnant. Delays may mean additional accommodation, meals or transport costs.

Travel insurance may include benefits for travel delays or disruptions caused by events covered under your policy, helping with reasonable additional expenses while you wait for your journey to continue.

When travelling during pregnancy, losing luggage or personal items can cause added inconvenience. Consider if your travel insurance includes cover for luggage and personal effects if they’re lost, stolen or accidentally damaged during your trip and any applicable benefit limits, exclusions and conditions that may apply. This can be particularly helpful if you’re travelling with pregnancy related items such as maternity clothing, or a pregnancy support pillow or a TENS machine.

This is a summary only and does not cover all situations. Any advice is general only and does not consider your personal circumstances. Read the PDS and TMD to determine whether travel insurance is right for you before buying.

Pregnancy often means booking travel well in advance, whether it’s a babymoon, a family visit, or a planned holiday before your due date. Pregnancy can be unpredictable, and your doctor may advise against travel closer to your departure date due to an unexpected pregnancy condition or medical condition.

Flights, accommodation and tours are often paid for upfront and may be non-refundable. If you need to cancel your trip due to a covered pregnancy-related complication or another event covered under your policy, travel insurance may help reimburse your non-refundable, pre-paid trip bookings such as flights, accommodation or tours.

Many Australian travellers wonder how pregnancy is treated under travel insurance and whether pregnancy-related conditions will be covered while travelling overseas. Not having clarity around this can be stressful, especially when planning a trip during pregnancy.

With Fast Cover, you can check whether pregnancy or pregnancy-related conditions may be covered under your policy. Depending on your circumstances, a medical screening may be required so we can assess your situation and confirm whether cover applies. This cover is subject to any conditions or exclusions that may apply.

In some cases, an additional premium may be required if cover is offered following a medical screening. This process helps ensure you understand what pregnancy-related cover may apply, including any limits or exclusions, before you travel.

While many pregnancies progress without issue, complications can arise unexpectedly. If you experience an unexpected pregnancy-related complication while travelling that is covered under your policy which occurs within the covered weeks of gestation, Fast Cover’s international travel insurance policies may include access to:

  • Overseas emergency medical and hospital expenses

  • Overseas 24/7 emergency medical assistance

  • Emergency medical evacuation or repatriation when pre-approved

Please note, our policies do not cover routine antenatal care or childbirth outside the circumstances set out in the PDS, so understanding these limits is important.

Travel delays caused by severe weather, strike or other unexpected events can be more challenging when you’re pregnant. Delays may mean additional accommodation, meals or transport costs.

Travel insurance may include benefits for travel delays or disruptions caused by events covered under your policy, helping with reasonable additional expenses while you wait for your journey to continue.

When travelling during pregnancy, losing luggage or personal items can cause added inconvenience. Consider if your travel insurance includes cover for luggage and personal effects if they’re lost, stolen or accidentally damaged during your trip and any applicable benefit limits, exclusions and conditions that may apply. This can be particularly helpful if you’re travelling with pregnancy related items such as maternity clothing, or a pregnancy support pillow or a TENS machine.

This is a summary only and does not cover all situations. Any advice is general only and does not consider your personal circumstances. Read the PDS and TMD to determine whether travel insurance is right for you before buying.

When comparing pregnancy travel insurance options, consider the level of cover available and the benefit limits provided under each policy. Always check what pregnancy-related conditions and complications may be covered, what exclusions apply, and how cover applies to your week of gestation and type of pregnancy.

Fast Cover offers several levels of cover so you can choose a policy that suits your trip, from an overseas medical-only Basics policy to Comprehensive cover with a wider range of benefits covering more unexpected situations while travelling.

Travel insurance for pregnancy typically provides cover for a list of complications of pregnancy and childbirth up to the end of a specified week of pregnancy with single child and twins or multiple children.

When comparing policies, check how pregnancy week limits are defined and consider how close your travel dates are to those limits. Understanding this upfront can help you decide whether a policy is suitable for your travel plans.

Under Fast Cover’s PDS, cover for unexpected serious complications of pregnancy and childbirth apply:

  • Up to the end of the 23rd week of pregnancy if You are pregnant with a single child;

  • Up to the end of the 19th week of pregnancy if You are pregnant with twins or multiple children.

Pregnancy and certain pregnancy-related circumstances may be treated as a pregnancy condition under travel insurance. This can include multiple pregnancies or pregnancies resulting from medically assisted conception.

When comparing pregnancy travel insurance policies, consider whether the insurer allows you to declare pregnancy conditions and apply for cover by doing a medical screening. With Fast Cover, you can complete a medical screening during your quote application to tell us about any pregnancy conditions or other existing medical conditions that may affect your cover.

Many pregnant travellers prioritise access to medical support when travelling, especially overseas. An unexpected medical issue can be stressful in an unfamiliar healthcare system where costs may be high or where payment is required upfront.

When comparing travel insurance for pregnancy, consider whether the policy includes 24/7 emergency medical assistance. Having access to an Australian-based emergency assistance team can help coordinate medical care, hospital admission or approved evacuation if needed.

With Fast Cover, travellers have access to our Aussie-based 24/7 Emergency Assistance team if an unexpected medical emergency occurs while overseas.

While many pregnant travellers choose to avoid more physically demanding or adventurous activities, it’s important to consider whether your travel companions will be participating in any activities that may require adding an optional extra to your policy to ensure everyone on the Certificate of Insurance has cover for activities that may require an additional premium.

For example, if you’re travelling with a friend on a Duo policy or with your partner and children on a Family policy who will be participating in an adventure activity, consider adding our Adventure Pack to ensure everyone has cover.

When comparing travel insurance for pregnancy, consider whether your policy automatically covers the activities you plan to do or whether optional add-ons are required. Some activities may require an additional premium and must not be undertaken against medical advice.

This is a summary only and does not cover all considerations. Any advice is general only and does not consider your personal circumstances. Read the PDS and TMD before buying.

When comparing pregnancy travel insurance options, consider the level of cover available and the benefit limits provided under each policy. Always check what pregnancy-related conditions and complications may be covered, what exclusions apply, and how cover applies to your week of gestation and type of pregnancy.

Fast Cover offers several levels of cover so you can choose a policy that suits your trip, from an overseas medical-only Basics policy to Comprehensive cover with a wider range of benefits covering more unexpected situations while travelling.

Travel insurance for pregnancy typically provides cover for a list of complications of pregnancy and childbirth up to the end of a specified week of pregnancy with single child and twins or multiple children.

When comparing policies, check how pregnancy week limits are defined and consider how close your travel dates are to those limits. Understanding this upfront can help you decide whether a policy is suitable for your travel plans.

Under Fast Cover’s PDS, cover for unexpected serious complications of pregnancy and childbirth apply:

  • Up to the end of the 23rd week of pregnancy if You are pregnant with a single child;

  • Up to the end of the 19th week of pregnancy if You are pregnant with twins or multiple children.

Pregnancy and certain pregnancy-related circumstances may be treated as a pregnancy condition under travel insurance. This can include multiple pregnancies or pregnancies resulting from medically assisted conception.

When comparing pregnancy travel insurance policies, consider whether the insurer allows you to declare pregnancy conditions and apply for cover by doing a medical screening. With Fast Cover, you can complete a medical screening during your quote application to tell us about any pregnancy conditions or other existing medical conditions that may affect your cover.

Many pregnant travellers prioritise access to medical support when travelling, especially overseas. An unexpected medical issue can be stressful in an unfamiliar healthcare system where costs may be high or where payment is required upfront.

When comparing travel insurance for pregnancy, consider whether the policy includes 24/7 emergency medical assistance. Having access to an Australian-based emergency assistance team can help coordinate medical care, hospital admission or approved evacuation if needed.

With Fast Cover, travellers have access to our Aussie-based 24/7 Emergency Assistance team if an unexpected medical emergency occurs while overseas.

While many pregnant travellers choose to avoid more physically demanding or adventurous activities, it’s important to consider whether your travel companions will be participating in any activities that may require adding an optional extra to your policy to ensure everyone on the Certificate of Insurance has cover for activities that may require an additional premium.

For example, if you’re travelling with a friend on a Duo policy or with your partner and children on a Family policy who will be participating in an adventure activity, consider adding our Adventure Pack to ensure everyone has cover.

When comparing travel insurance for pregnancy, consider whether your policy automatically covers the activities you plan to do or whether optional add-ons are required. Some activities may require an additional premium and must not be undertaken against medical advice.

This is a summary only and does not cover all considerations. Any advice is general only and does not consider your personal circumstances. Read the PDS and TMD before buying.

Fast Cover only provides cover for unexpected serious complications of pregnancy and childbirth up to specific gestation limits.

Cover is not available if pregnancy-related complications occur:

  • After the end of the 23rd week of gestation for a single pregnancy

  • After the end of the 19th week of gestation for multiple pregnancies, such as twins or triplets.

Any pregnancy-related claims arising after these gestation limits are not covered under the policy.

If you travel against the advice of a qualified medical practitioner, any claims arising from that decision are not covered. This includes situations where you have been advised not to travel due to pregnancy-related risks or complications.

Pregnancy-related conditions that were known, diagnosed or symptomatic before you purchased your policy or before travel may not be covered unless disclosed and accepted through medical screening.

This can include previous pregnancy complications or conditions that increase pregnancy risk, depending on your individual circumstances and screening outcome.

If you become injured while breaking the law, there are various conditions and exclusions that may apply which means you may not be covered. For example, this may include riding a motorcycle without the required helmet, or while under the influence of drugs or alcohol.

Remember that possession of certain drugs is illegal and different countries will have different laws. Using drugs or selling them can land you in trouble with the law overseas.

If you’re injured in an accident while, for example, riding a motorcycle, and you didn’t add the Motorcycle Pack to your international travel insurance policy, you may be responsible for paying your medical and hospital expenses because you did not choose to include cover for that under your policy.

It is important to think about what activities you will be participating in so that you have the right cover for the activities you plan to do overseas.

If your belongings are stolen while unattended or unsupervised, you may not be able to claim for the stolen item. For example: If you leave your bag with your wallet and passport inside it on the beach while you go for a swim, this may be considered leaving your belongings unattended, in which case you may not be covered.

Make sure you keep your belongings with you at all times or keep them in a secure location or take reasonable measures to secure them at all times and at all places.

There are exclusions that may apply for regular or routine check-ups or filling regular prescriptions as they are not considered medical emergencies. If you require regular medication, bring enough of what you’ll need for your holiday overseas before you leave Australia.

Should the Australian Government release a warning on official government Smartraveller website that certain areas overseas are no longer safe to travel to and you still choose to travel there anyway, there may be exclusions that will apply such as if you do not follow advice in the mass media where a travel advisory risk rating of Do Not Travel was issued after policy purchase.

Note: We are unable to offer travel insurance to international destinations that have a Do Not Travel warning on official government Smartraveller website. To check which countries we may cover, enter your destination country in the quote box on our website.

Known events are serious situations, from natural disasters like earthquakes and volcanic eruptions, to disease outbreaks, which can affect your holiday plans and also the cover on your overseas travel insurance policy. If you buy your international travel insurance after an event is deemed a known event, the cover on your policy may be affected.

You should check for any Travel Alerts that may have been issued for your overseas travel destination as well as information on the official government Smartraveller website so you know where you stand with regards to the cover that you will have on your international travel insurance policy.

Perhaps the weather was bad, the tourist attractions were too crowded, or your babymoon accommodation didn’t live up to the pictures online. Whatever the reason you’re unhappy with how your trip has shaped up, your international travel insurance policy is not intended to compensate you because you didn’t enjoy your time there.

Fast Cover only provides cover for unexpected serious complications of pregnancy and childbirth up to specific gestation limits.

Cover is not available if pregnancy-related complications occur:

  • After the end of the 23rd week of gestation for a single pregnancy

  • After the end of the 19th week of gestation for multiple pregnancies, such as twins or triplets.

Any pregnancy-related claims arising after these gestation limits are not covered under the policy.

If you travel against the advice of a qualified medical practitioner, any claims arising from that decision are not covered. This includes situations where you have been advised not to travel due to pregnancy-related risks or complications.

Pregnancy-related conditions that were known, diagnosed or symptomatic before you purchased your policy or before travel may not be covered unless disclosed and accepted through medical screening.

This can include previous pregnancy complications or conditions that increase pregnancy risk, depending on your individual circumstances and screening outcome.

If you become injured while breaking the law, there are various conditions and exclusions that may apply which means you may not be covered. For example, this may include riding a motorcycle without the required helmet, or while under the influence of drugs or alcohol.

Remember that possession of certain drugs is illegal and different countries will have different laws. Using drugs or selling them can land you in trouble with the law overseas.

If you’re injured in an accident while, for example, riding a motorcycle, and you didn’t add the Motorcycle Pack to your international travel insurance policy, you may be responsible for paying your medical and hospital expenses because you did not choose to include cover for that under your policy.

It is important to think about what activities you will be participating in so that you have the right cover for the activities you plan to do overseas.

If your belongings are stolen while unattended or unsupervised, you may not be able to claim for the stolen item. For example: If you leave your bag with your wallet and passport inside it on the beach while you go for a swim, this may be considered leaving your belongings unattended, in which case you may not be covered.

Make sure you keep your belongings with you at all times or keep them in a secure location or take reasonable measures to secure them at all times and at all places.

There are exclusions that may apply for regular or routine check-ups or filling regular prescriptions as they are not considered medical emergencies. If you require regular medication, bring enough of what you’ll need for your holiday overseas before you leave Australia.

Should the Australian Government release a warning on official government Smartraveller website that certain areas overseas are no longer safe to travel to and you still choose to travel there anyway, there may be exclusions that will apply such as if you do not follow advice in the mass media where a travel advisory risk rating of Do Not Travel was issued after policy purchase.

Note: We are unable to offer travel insurance to international destinations that have a Do Not Travel warning on official government Smartraveller website. To check which countries we may cover, enter your destination country in the quote box on our website.

Known events are serious situations, from natural disasters like earthquakes and volcanic eruptions, to disease outbreaks, which can affect your holiday plans and also the cover on your overseas travel insurance policy. If you buy your international travel insurance after an event is deemed a known event, the cover on your policy may be affected.

You should check for any Travel Alerts that may have been issued for your overseas travel destination as well as information on the official government Smartraveller website so you know where you stand with regards to the cover that you will have on your international travel insurance policy.

Perhaps the weather was bad, the tourist attractions were too crowded, or your babymoon accommodation didn’t live up to the pictures online. Whatever the reason you’re unhappy with how your trip has shaped up, your international travel insurance policy is not intended to compensate you because you didn’t enjoy your time there.

Compare travel insurance benefits

Depending on the level of cover you choose, Fast Cover travel insurance may include cover for pregnancy and can provide different benefits to suit your trip, helping you to better prepare for and deal with unexpected medical and financial circumstances on your trip. Compare our travel insurance policies and benefits below.

Benefits
Basics
Standard Saver
Comprehensive
Important information

The table below is only a summary of benefits.

Each level of cover is subject to full policy terms, conditions, limits, sub-limits, and exclusions as per our PDS available on our website.

Benefit limits shown apply per person for both Singles and Duo policies.

1 Cover under these benefits are excluded while travelling within Australia.

2 These benefit limits are shared between travellers under a Family policy. This means the benefit amount is for the whole family to be used together, not for each person separately.

3 These benefit limits are shared between Duo policy holders.

If you hold a Frequent Traveller Saver policy, the benefit limits apply to the combined total of all claims made by all covered travellers (including an accompanying spouse/partner and dependants) listed on the Certificate of Insurance.

Medical benefits
4 benefits
4 benefits
8 benefits
Overseas 24/7 Emergency Medical Assistance1Sub limits apply
Unlimited
Unlimited
Unlimited
Overseas Emergency Medical & Hospital Expenses1
Unlimited
Unlimited
Unlimited
Overseas Emergency Dental1
$500
$750
$1,000
Overseas Emergency Evacuation & Repatriation1Sub limits apply
Unlimited
Unlimited
Unlimited
Overseas Hospital Cash Payment1Sub limits apply
$5,000
Accidental DeathSub limits apply
$25,000
Permanent Disability1Sub limits apply
$50,000
Loss of Income1Sub limits apply
$10,400
Financial benefits
2 benefits
7 benefits
11 benefits
Snow sports benefits
No cover
No cover
No cover
COVID-19 benefits
1 benefits
2 benefits
2 benefits

Compare travel insurance benefits

Depending on the level of cover you choose, Fast Cover travel insurance may include cover for pregnancy and can provide different benefits to suit your trip, helping you to better prepare for and deal with unexpected medical and financial circumstances on your trip. Compare our travel insurance policies and benefits below.

Basics
Standard Saver
Important information

The table below is only a summary of benefits.

Each level of cover is subject to full policy terms, conditions, limits, sub-limits, and exclusions as per our PDS available on our website.

Benefit limits shown apply per person for both Singles and Duo policies.

1 Cover under these benefits are excluded while travelling within Australia.

2 These benefit limits are shared between travellers under a Family policy. This means the benefit amount is for the whole family to be used together, not for each person separately.

3 These benefit limits are shared between Duo policy holders.

If you hold a Frequent Traveller Saver policy, the benefit limits apply to the combined total of all claims made by all covered travellers (including an accompanying spouse/partner and dependants) listed on the Certificate of Insurance.

Medical benefits
Overseas 24/7 Emergency Medical Assistance1Sub limits apply
Unlimited
Unlimited
Overseas Emergency Medical & Hospital Expenses1
Unlimited
Unlimited
Overseas Emergency Dental1
$500
$750
Overseas Emergency Evacuation & Repatriation1Sub limits apply
Unlimited
Unlimited
Overseas Hospital Cash Payment1Sub limits apply
Accidental DeathSub limits apply
Permanent Disability1Sub limits apply
Loss of Income1Sub limits apply
Financial benefits
Snow sports benefits
COVID-19 benefits

Travelling while pregnant?

Travelling while pregnant?

Where is your next trip?

From a relaxing cruise in the South Pacific to an island babymoon in Bali, discover travel insurance for your next travel destination.

Where is your next trip?

From a relaxing cruise in the South Pacific to an island babymoon in Bali, discover travel insurance for your next travel destination.

Got a question?

Does travel insurance cover pregnancy?

Does travel insurance cover miscarriage while overseas?

Does travel insurance cover childbirth overseas?

Does travel insurance cover the care of a newborn overseas?

Do I need to do a medical screening for pregnancy when buying travel insurance?

Got a question?

Does travel insurance cover pregnancy?

Does travel insurance cover miscarriage while overseas?

Does travel insurance cover childbirth overseas?

Does travel insurance cover the care of a newborn overseas?

Do I need to do a medical screening for pregnancy when buying travel insurance?

Things you need to know
Things you need to know
Things you need to know

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save more

Sign up for subscriber only discounts, early access & more

By submitting, you accept our Privacy Policy. Phone number may be used to contact you by telephone call, SMS and WhatsApp.

Coverholder at

Fast Cover Pty Ltd ABN 98 143 196 098, AFSL 538708 (Fast Cover) arranges travel insurance as Coverholder under the binder issued by Certain Underwriters at Lloyd's, led by Canopius Managing Agents Limited (Syndicate 4444). Any advice is general only and does not consider your personal circumstances. Coverage is subject to eligibility criteria, terms, conditions, limits and exclusions. Fast Cover receives a portion of the insurer's premium as remuneration, included in the price you pay. Read the Combined FSG/PDS and TMD at fastcover.com.au before deciding to buy.

Coverholder at

Fast Cover Pty Ltd ABN 98 143 196 098, AFSL 538708 (Fast Cover) arranges travel insurance as Coverholder under the binder issued by Certain Underwriters at Lloyd's, led by Canopius Managing Agents Limited (Syndicate 4444). Any advice is general only and does not consider your personal circumstances. Coverage is subject to eligibility criteria, terms, conditions, limits and exclusions. Fast Cover receives a portion of the insurer's premium as remuneration, included in the price you pay. Read the Combined FSG/PDS and TMD at fastcover.com.au before deciding to buy.

Coverholder at

Fast Cover Pty Ltd ABN 98 143 196 098, AFSL 538708 (Fast Cover) arranges travel insurance as Coverholder under the binder issued by Certain Underwriters at Lloyd's, led by Canopius Managing Agents Limited (Syndicate 4444). Any advice is general only and does not consider your personal circumstances. Coverage is subject to eligibility criteria, terms, conditions, limits and exclusions. Fast Cover receives a portion of the insurer's premium as remuneration, included in the price you pay. Read the Combined FSG/PDS and TMD at fastcover.com.au before deciding to buy.