Planning a babymoon or traveling while pregnant? Travel insurance protects your trip investment when pregnancy complications force cancellations and covers medical expenses while traveling. Pregnancy coverage terms vary widely amongst travel insurance companies and we've done the research for you.
See our list of best travel insurance for pregnancy coverage below.
Updated: September 12, 2025
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AXA Travel Insurance has the best pregnancy coverage with plans marketed specifically to pregnant travelers. BHTP LuxuryCare and Travel Guard are also worth strongly considering with more coverage flexibility for those who are pregnant.
Trip cancellation coverage works best when you book before pregnancy (normal pregnancy becomes a covered reason). Medical coverage during travel only applies to complications, not routine pregnancy care.
Cancel for Any Reason optional add-on coverage provides the best protection for pregnancy situations that don't qualify as medical complications.
My wife and I took at trip while she was pregnant and next time we would buy travel insurance for the cancellation protection and international medical coverage. This page will help you figure out with travel insurance is best for you during pregnancy.
Pregnancy coverage works differently for cancellation versus medical expenses during travel. See the scenarios below to see if you are covered for trip cancellation and medical expenses based on when you booked your trip.
You get the broadest coverage options. Normal pregnancy becomes a covered cancellation reason. Insurers require medical documentation proving conception happened after you purchased insurance.
Your cancellation coverage is limited to pregnancy complications. Insurers won't cover trip cancellation for normal pregnancy since you were already pregnant when you purchased the policy. You can only cancel for complications that develop after your insurance purchase.
This includes routine prenatal checkups, regular doctor visits, and planned childbirth. Its makes sense that a travel insurance policy would not cover these pregnancy related expenses.
Pregnancy complications expenses are coverage when they require emergency treatment, including gestational diabetes, pre-eclampsia, emergency cesarean sections, and ectopic pregnancy.
Here is a summary of our best travel insurance pregnancy coverage ranking:
🟢 Excellent (9-10/10)
🟡 Good (7-8/10)
🟠 Fair (5-6/10)
🔴 Poor (3-4/10)
❌ Avoid (1-2/10)
We did the research to look at each company's terms and conditions and summarize how each travel insurance company covers pregnancy cancellation and medical coverage terms. Here are the details for the best travel insurance companies for pregnancy coverage:
AXA's Gold and Platinum plans provide the best pregnancy protection available. You'll get coverage for acute pregnancy complications, emergency medical treatment, and hospitalization when you purchase within 14 days of your initial trip deposit. AXA's 60-day pre-existing condition lookback period beats most competitors. The Platinum plan includes Cancel for Any Reason coverage, giving you flexibility for pregnancy situations that don't qualify as medical complications.
BHTP LuxuryCare stands alone by directly stating it covers situations where travelers "become pregnant and can't travel." This clear language eliminates guesswork about whether your pregnancy qualifies for coverage. You must purchase BHTP LuxuryCare within 15 days of your initial trip deposit. The plan then provides broader pregnancy cancellation coverage than competitors focused solely on medical complications.
Travel Guard provides pregnancy-friendly language by covering pregnancy-related cancellations and medical expenses when conception occurs after the policy's effective date. The company makes normal pregnancy a covered cancellation reason if it occurs after policy purchase. Travel Guard's coverage includes emergency medical expenses for pregnancy complications during travel. The company treats post-policy pregnancy as a legitimate coverage trigger, making it attractive for travelers planning conception.
Travelex Ultimate plan explicitly states "pregnancy is NOT a pre-existing condition" and covers trip cancellation for unexpected pregnancy discovered after the policy's effective date. This language provides reassurance for pregnant travelers worried about pre-existing condition exclusions. Travelex does exclude specific conditions including physician-ordered bed rest, hyperemesis gravidarum, morning sickness, and pre-eclampsia.
Cancel for Any Reason coverage offers 75% reimbursement for pregnancy-related cancellations not meeting medical complication criteria. CFAR protects against morning sickness, physician-recommended rest, or general pregnancy discomfort preventing travel.
Purchase Requirements: Tin Leg requires CFAR purchase within 14 days of initial deposit and cancellation at least 72 hours before departure. Generali requires purchase within 24 hours of final trip payment and cancellation at least 48 hours before departure.
When CFAR Makes Sense: CFAR coverage costs 40% to 60% more than standard travel insurance policies but provides flexibility standard policies don't offer. The average cost for CFAR is 4-5% of your trip cost and allows for 50% to 80% trip reimbursement depending on which company you choose. We recommend CFAR if you're planning conception, have irregular cycles, or want protection beyond medical complications. It's a low price for lots of cancellation flexibility.
The companies below are great travel insurance companies, notably for adventure travel. They are not the best travel insurance for those traveling while pregnant.
Purchase your policy within 14 to 15 days of your initial trip deposit. This timing qualifies you for pre-existing condition waivers that prevent pregnancy exclusions.
Document when you conceived relative to your policy purchase. Most insurers only cover pregnancy that occurs after your policy's effective date.
If you want, Cancel for Any Reason coverage, be sure to choose a plan that allows this optional add-on. CFAR protects against pregnancy situations that may require you to cancel your trip and provide an industry average 75% reimbursement.
Yes, but coverage depends on your conception date relative to policy purchase. Insurers cover cancellation for pregnancy-related issues only if conception occurred after your policy's effective date.
Most policies exclude planned childbirth but cover emergency deliveries due to complications. AXA provides the most comprehensive coverage for childbirth during travel when medically necessary.
Pregnancy-friendly plans cost similar to standard policies, but Cancel for Any Reason coverage adds 40% to 60% to premiums. CFAR provides the most comprehensive pregnancy protection.
Coverage depends on whether your condition qualifies as a medical complication. CFAR coverage protects against doctor-recommended travel restrictions that don't meet complication criteria.
Insurers exclude morning sickness from coverage unless it develops into serious conditions requiring medical treatment. CFAR coverage provides cancellation protection for severe morning sickness preventing travel.
Covered complications receive emergency medical treatment, hospitalization, and medical evacuation coverage. Contact your insurer immediately for pre-authorization of emergency treatments.
We analyzed 13 major travel insurance companies' official terms and conditions and publicly available coverage details to evaluate pregnancy protection. Our rating system considers five key factors each with equal weighting to give a score of 0 to 10: explicit pregnancy coverage language, pre-existing condition lookback periods, conception timing requirements, covered complications definitions, and Cancel for Any Reason availability.
Companies earned higher scores for directly addressing pregnancy situations, shorter lookback periods, and comprehensive complication coverage. We penalized insurers with blanket pregnancy exclusions, arbitrary gestational age limits, or confusing policy language that leaves pregnant travelers uncertain about coverage.
Ratings reflect each company's overall pregnancy-friendliness based on coverage breadth, timing flexibility, and claim approval likelihood for pregnant travelers.
As always, you should verify specific coverage needs, as policies can change.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
