Travel Insurance While Pregnant: Best Coverage for Pregnancy

Pregnancy coverage works differently for trip cancellation versus medical expenses, depending on when you buy your policy.

This guide helps you find the best travel insurance for pregnancy coverage.

We scored 13 travel insurance companies on pregnancy coverage based on policy terms, coverage breadth and timing flexibility.

🟢 Excellent (Score: 9–10 out of 10)

• AXA Travel Insurance: Most comprehensive coverage, markets specifically to pregnant travelers
• BHTP LuxuryCare: Only plan explicitly covering pregnancy as a cancellation reason

🟡 Good (Score: 7–8 out of 10)

• Travel Guard: Covers pregnancy cancellations and medical expenses if you conceive after buying your policy
• Travelex Ultimate: Won't count pregnancy as pre-existing, though it excludes bed rest, morning sickness and pre-eclampsia

🟠 Fair (Score: 5–6 out of 10)

• Allianz, IMG: Cover pregnancy complications only, and only if you conceive after buying
• Tin Leg: Strong CFAR option for protecting non-emergency pregnancy situations

🔴 Poor (Score: 3–4 out of 10)

• Seven Corners, Travel Insured, Nationwide: Limited complication coverage with standard exclusions and narrow qualifying conditions

❌ Avoid (Score: 1–2 out of 10)

• World Nomads: Treats pregnancy as pre-existing, blocking all pregnancy claims
• WorldTrips: Stops pregnancy coverage at 26 weeks

Here's how top-rated travel insurance companies handle pregnancy coverage: 

AXA Travel Insurance: Most Comprehensive Coverage

AXA's Gold and Platinum plans cover acute pregnancy complications, emergency medical treatment and hospitalization. Buy within 14 days of your initial trip deposit to qualify. The 60-day pre-existing condition lookback period means fewer complications get excluded compared to competitors' 180-day windows. The Platinum plan includes CFAR, protecting you from pregnancy situations that don't qualify as medical complications.

BHTP LuxuryCare: Only Plan Explicitly Covering Pregnancy

BHTP LuxuryCare covers you if you become pregnant and can't travel. No guesswork about whether you qualify. Buy within 15 days of your initial trip deposit to get broader pregnancy cancellation coverage than competitors who only cover medical complications.

Travel Guard: Covers Pregnancy Occurring After Policy Purchase

Travel Guard covers pregnancy-related cancellations and medical expenses if you conceive after buying coverage. Normal pregnancy becomes a covered cancellation reason. The plan also covers emergency medical expenses for pregnancy complications while you're traveling.

Travelex Ultimate: States Pregnancy Isn't Pre-Existing

Travelex Ultimate treats pregnancy as a non-pre-existing condition and covers trip cancellation for unexpected pregnancy discovered after the policy's effective date. Travelex excludes 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.

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.

CFAR coverage costs 40% to 60% more than standard travel insurance policies but provides flexibility that standard policies don't offer. The average cost of CFAR is 4% to 5% of the trip cost, with reimbursement of 50% to 80% of trip costs, depending on the provider. CFAR works best for travelers planning conception, having irregular cycles or wanting protection beyond medical complications.

Skip these companies if you're pregnant. They have major coverage restrictions.

World Nomads won't cover pregnancy. The company calls it pre-existing, which means you get nothing for pregnancy-related claims. Complications from injury or illness get minimal coverage. Don't expect coverage for check-ups, childbirth, newborn care or cancellations.

WorldTrips stops covering pregnancy at 26 weeks. After that, Atlas Travel plans won't help you. Routine care isn't covered. Coverage focuses solely on emergencies. Different plans have different rules, so you'll struggle to know what's actually covered.

Travel insurance coverage for pregnancy depends on when you buy your policy. Purchase before discovering pregnancy for the broadest protection, as normal pregnancy becomes a covered cancellation reason. Buy after pregnancy and you're limited to complication coverage only.

AXA Travel Insurance leads with comprehensive pregnancy coverage, followed by BHTP LuxuryCare and Travel Guard. Medical coverage applies only to pregnancy complications requiring emergency treatment, not routine care. Add cancel for any reason coverage for 75% reimbursement on pregnancy situations that don't meet medical complication criteria, especially if you're planning conception or have irregular cycles.

Common questions about travel insurance and pregnancy coverage:

Shopping for travel insurance while pregnant? Standard policies won't cut it. Many exclude normal pregnancy or add timing restrictions that leave gaps in coverage. Our evaluation identifies companies with genuine pregnancy coverage, not just those checking regulatory boxes.

We evaluated 13 major travel insurance companies using five equally weighted factors (scored 0 to 10):

• Explicit pregnancy coverage language - Does the policy clearly state what pregnancy situations it covers? Vague language means you're guessing.
• Pre-existing condition lookback periods - A 60-day lookback period beats 180 days. Complications that started two months before you bought coverage? You're covered. Three months before? You're not.
• Conception timing requirements - Top policies cover normal pregnancy if you conceive after buying. Restrictive policies only cover complications, even for post-purchase pregnancies.
• Covered complications definitions - We checked whether serious conditions like pre-eclampsia and gestational diabetes made the list.
• Cancel for any reason availability - CFAR covers pregnancy issues that don't count as medical emergencies.

Companies with clear pregnancy language, short lookback periods and detailed complication lists scored higher. We marked down insurers that exclude all pregnancy claims, stop coverage at specific pregnancy weeks or bury key details in fine print. Insurers update coverage regularly, so always check policy terms before buying.