Travel Insurance While Pregnant: Best Coverage for Pregnancy

We scored 13 travel insurance companies on pregnancy coverage based on policy terms, coverage breadth and timing flexibility.  Here are the top four travel insurance companies for pregnancy: 

1. AXA Travel Insurance (Score: 9.5/10)

AXA's Gold and Platinum plans offer the most comprehensive pregnancy coverage available. The company designs its plans specifically for pregnant travelers, covering acute pregnancy complications, emergency medical treatment and hospitalization. Buy within 14 days of your initial trip deposit to qualify.

AXA uses a 60-day pre-existing condition lookback period, excluding fewer complications compared to competitors' 180-day windows. The Platinum plan includes CFAR coverage, protecting you from pregnancy situations that don't qualify as medical complications.

2. BHTP LuxuryCare (Score: 9/10)

BHTP LuxuryCare is the only plan that explicitly covers pregnancy as a cancellation reason. If you become pregnant and can't travel, you're covered without needing to prove medical complications. Buy within 15 days of your initial trip deposit for broader pregnancy cancellation coverage than competitors who only cover medical complications.

3. Travel Guard (Score: 8/10)

Travel Guard covers pregnancy-related cancellations and medical expenses if you conceive after buying coverage. Normal pregnancy becomes a covered cancellation reason, not just complications. The plan covers emergency medical expenses for pregnancy complications while traveling.

4. Travelex Ultimate (Score: 7.5/10)

Travelex Ultimate treats pregnancy as a non-pre-existing condition and covers trip cancellation for unexpected pregnancy discovered after the policy's effective date. However, Travelex excludes specific conditions, including physician-ordered bed rest, hyperemesis gravidarum, morning sickness and pre-eclampsia.

Cancel for any reason coverage reimburses 75% of trip costs for pregnancy-related cancellations not meeting medical complication criteria. CFAR protects against morning sickness, physician-recommended rest or general pregnancy discomfort preventing travel. AXA Platinum travel insurance combines comprehensive pregnancy coverage with CFAR flexibility, making it the best choice for pregnant travelers wanting maximum protection.

CFAR Requirements and Costs

CFAR coverage costs 40% to 60% more than standard travel insurance policies. 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.

Who Should Buy CFAR?

CFAR works best for travelers planning conception, having irregular cycles or wanting protection beyond medical complications. If you're uncertain about your ability to travel but don't have a diagnosed medical complication, CFAR provides the flexibility standard policies don't offer.

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.

Buy travel insurance before discovering pregnancy for the broadest protection. Normal pregnancy then becomes a covered cancellation reason, while purchasing after pregnancy limits you to complication coverage only.

AXA Travel Insurance offers the most 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:

Many travel insurance policies exclude normal pregnancy or add timing restrictions that create coverage gaps. Our evaluation identifies companies with genuine pregnancy coverage beyond basic regulatory requirements.

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 receive coverage. Three months before? You're not covered.
• 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.