Pregnancy travel insurance
Pregnant? No Problem
We provide travel insurance that covers pregnancy when you want to holiday abroad.
- 24-hour emergency medical support
- Covid-19 cover included
Written by: Sarah Findlay Travel Insurance Expert
Last updated: 29 April, 2026
Read time: 7 minutes
Awards & Accreditations
Total Travel Protection is brought to you by Ancile Insurance Group Limited who have been specialising in travel insurance cover for medical conditions and older travellers since 2010.
What they say About us
Does travel insurance cover when pregnant?
Being pregnant is not an illness, and it certainly doesn’t prevent you from travelling abroad for a holiday, but you should make sure you are properly covered by your travel insurance. For general health advice on travelling during pregnancy, you can also refer to guidance from the NHS.
Suffering pregnancy complications abroad, which result in emergency medical treatment, could work out costly if you are not covered by insurance.
There is no extra charge for travel insurance if you are pregnant, and you don’t need to declare your pregnancy when you buy your policy.
All travel insurance policies from Total Travel Protection will provide our standard levels of cover for you to travel when pregnant, up to 28 weeks for a single pregnancy or 24 weeks for a multiple pregnancy, so long as your airline or transport provider is happy to carry you and you are not travelling against your doctor’s advice. You can also review clinical guidance from the Royal College of Obstetricians and Gynaecologists when planning travel during pregnancy.
From 29 weeks (25 weeks for a multiple pregnancy), there are some restrictions to cover; please see the details below.
Travel insurance cover and benefits
- Emergency medical & repatriation up to £10 million (Platinum Cover)
- 24-hour emergency medical assistance
- Cancellation cover up to £6,000 (Platinum Cover)
- Cover for mobility aids and prescription medication
- Baggage up to £3,000 (Platinum Cover)
- Personal liability up to £2 million (Platinum Cover)
- Legal expenses up to £25,000
All travel insurance policies from Total Travel Protection provide the following cover if you are pregnant:
You will be covered to travel up to week 28 of a single pregnancy, or week 24 of a multiple pregnancy, as long as your airline or other transport provider is happy to carry you and you are not travelling against a doctor's advice.
We will provide emergency medical expenses and cancellation cover for pregnancy and childbirth up to week 28 for a single pregnancy and for a multiple pregnancy up to week 24.
From week 29 – 40 (or week 25 - 40 for a multiple pregnancy), cover for medical expenses and cancellation cover is only provided if complications occur.
Pregnancy travel insurance – the details
Our policies are designed to include cover under the Cancellation section, Curtailment section and Medical and Repatriation Expenses section for Pregnancy and Childbirth from week 0 to week 28 inclusive for a single pregnancy, or week 0 to week 24 inclusive for a multiple pregnancy, whilst you are away.
From the start of week 29 and up until week 40 for a single pregnancy, or the start of week 25 and up until week 40 for a multiple pregnancy, cover is only provided under the Cancellation section, Curtailment section and Medical and Repatriations Expenses section if any of the following complications arise: Toxaemia, Gestational hypertension, Ectopic pregnancy, Post-partum haemorrhage, Pre-eclampsia, Molar pregnancy or hydatidiform mole, Retained placenta membrane, Placental abruption, Hyperemesis gravidarum, Placenta praevia, Stillbirth, Miscarriage, medically necessary Emergency Caesarean, A termination needed for medical reasons, Premature birth more than 12 weeks (or 16 weeks if you know you are having more than one baby) before the expected delivery date.
The policy will not cover any claims relating to normal pregnancy or normal childbirth.
Please note we will not cover denial of boarding by your carrier, so you should check that you will be able to travel with the carrier/airline in advance.
Things to check before travelling while pregnant
It is essential, if at the time of booking your trip you are aware that you are pregnant, that you ensure that you are able to have the required vaccinations for that trip; no cover will be provided for cancellation in the event that, after booking you discover travel is advised against, or you are unable to receive the appropriate and required vaccinations for that country.
Please make sure your Medical Practitioner and Midwife are aware of your travel plans, and that there are no known complications, such as high blood pressure, and you are fit to undertake the planned trip.
Buy online
Our travel insurance to cover your pregnancy online, 24 hours a day, 7 days a week.
Travel cover by phone
If you’d like to speak to someone about your travel insurance requirements, our fully trained team will be happy to take your call.
You can call us on 0330 053 3747
We are open during the following times:
Monday to Friday 9am - 7pm. Saturday, Sunday and Bank Holidays 9am - 5.30pm.
What does travel insurance cover?
Total Travel Protection offers several levels of travel insurance to match different needs and budgets. Our cover options include Silver, Gold and Platinum plans, each offering varying levels of protection.
Swipe the table left/right to compare cover levels
Silver
| Gold
| Platinum
| |
|---|---|---|---|
|
Emergency medical and repatriation expenses
(not private medical insurance) | £5 million | £7.5 million | £10 million |
| Cancellation and curtailment | £3,000 | £6,000 | |
|
Personal possessions
(not gadgets) | £2,000 | £3,000 | |
| Missed departure | £500 | £1,000 | |
| Loss of medication | £300 | £300 | £300 |
| Mobility aids | £2,500 | £2,500 | £2,500 |
| Personal liability | £2 million | £2 million | |
| Legal expenses | £25,000 | £25,000 | |
|
Excess
(the amount you will have to pay towards the cost of a claim) |
£100 |
£75 |
Additional cover options
Additional cover including gadget, natural catastrophe and waiting list cover can be selected during the quote process.
Natural catastrophe provides extra travel insurance cover for cancellation and unexpected additional expenses caused by catastrophic natural events such as hurricanes, fire, flood and volcanic eruptons. Read More
This optional cover extends your travel insurance to include cover for loss, theft and damage to your gadgets, such as phones, tablets and smartwatches whilst you are away on your holiday. Read More.
Our travel insurance policies provide cover for a number of sports and activities as standard, including trekking up to 2000 metres, sailing within 12 nautical miles of shore and glass bottomed boat trips. Additional cover for more adventurous activities can be added. Read More
Ideal for cruise, coach or rail holidays that start from an overseas location, our Missed Connection option extends your travel insurance to include cover for additional expenses if you miss a connecting flight, ferry, cruise ship, train, or motor vehicle as a result of a delay to your initial international outbound transport.
Our terrorism cover extension provides additional travel insurance cover to enable you to cancel or cut short your trip if a terrorist act occurs within a 40-mile radius of your pre-booked accommodation.
Additional cancellation and curtailment cover if you are on a waiting list for treatment or investigation for a diagnosed condition.
Tips for Travelling While Pregnant
Planning a trip while expecting requires a little extra preparation to ensure both you and your baby stay comfortable and safe.
- Check airline policies: Most airlines have restrictions on flying after 28 or 36 weeks; ensure you have a "fit to fly" letter from your midwife or GP.
- Stay hydrated: Drink plenty of water throughout your journey to maintain energy levels and reduce swelling.
- Prioritise legroom: Book an aisle seat so you can easily get up to stretch and walk around, reducing the risk of DVT.
- Wear compression socks: These help improve circulation during long periods of sitting.
- Pack your notes: Always carry your maternity medical records (handheld notes) and any contact details for your GP or obstetrician.
- Research local care: Identify the nearest hospital with maternity facilities at your destination before you depart.
Pregnancy Travel Insurance FAQ
When travelling abroad during pregnancy, you should avoid destinations where:
- Required vaccinations are not suitable for pregnant travellers
- Medical facilities are limited or difficult to access
- Government or medical advice recommends against travel
It’s important to check vaccination requirements before booking your trip. Travel insurance will not cover cancellation if you later discover you cannot receive the necessary vaccinations or are advised not to travel.
In most cases, you won’t need a doctor’s note to fly in early pregnancy. However:
- Many airlines require a fit-to-fly certificate after 28 weeks
- Requirements vary between airlines and transport providers
- You should always speak to your doctor or midwife before travelling
To be covered by your pregnancy travel insurance, you must not travel against medical advice.
The number of months you can safely fly depends on both your airline and your travel insurance policy.
With Total Travel Protection:
- Cover is provided up to 28 weeks (7 months) for a single pregnancy
- Cover is provided up to 24 weeks (6 months) for a multiple pregnancy
From week 29 onwards (or week 25 for multiple pregnancies), most travel insurance policies will only cover pregnancy complications, not routine care or childbirth.
Always check your airline’s policy, as some may have stricter limits.
Yes, it’s recommended that you inform your airline if you are pregnant, especially in the later stages.
Before travelling:
- Check your airline’s pregnancy policy
- Confirm whether documentation is required
- Ensure you meet their travel criteria
Travel insurance does not cover denied boarding, so confirming this in advance is essential.
However, you will be covered for:
Emergency medical treatment, Hospital care and medical expenses due to pregnancy complications
Emergency repatriation back to the UK if medically necessary
From week 29 (or week 25 for multiple pregnancies), cover is only valid if complications occur, such as:
- Pre-eclampsia
- Placenta praevia or placental abruption
- Premature birth
- Medically necessary emergency Caesarean
This means if you go into labour early due to a complication, your insurance may be able to provide vital financial and medical support.
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