Congratulations on your pregnancy! Here at 1Cover, we want to assist you as much as possible, and that's why we cover pregnancies if you don’t have complications and if you fit in to one of the following categories:
If you fall in to one of the above categories, you don’t need to disclose your pregnancy when booking travel insurance, and it will be automatically covered. This means there is provision to claim for for emergency medical and hospital expenses, cancellation or curtailment of a holiday.
Please note: we can’t pay medical expenses for:
If you are beyond the 24th week of gestation for single pregnancies, or beyond the 19th week of gestation for multiple pregnancies, we won’t be able to cover your pregnancy. Additionally, we may not be able to cover you if you have pregnancy complications.
Once you’re past the coverable gestational period, all cover related to your pregnancy will end at that point. This means we won’t cover incidents that are related to your pregnancy, but you’ll still be covered for the other inclusions on your policy (eg, medical emergency unrelated to your pregnancy, cancellation, lost luggage, etc. See the PDS for details).
If you do have any pregnancy complications, we treat this as a pre-existing medical condition and you’ll need to disclose it when you’re buying travel insurance.
If you want your pregnancy to be covered for the whole trip, we recommend your trip begins and ends within the coverable gestation period.
Please note, this is general information. Please read the PDS for a full explanation of 1Cover’s pregnancy policy.
Pregnancy complications are health problems or infections that occur at the same time as your pregnancy or are as a result of your pregnancy. They may adversely affect your pregnancy. If you have a complication, it’s treated as a pre-existing medical condition, and you’ll need to disclose it.
Please note the table below is not exhaustive. If you still aren’t sure, it’s best to disclose and we’ll tell you what to do.
| Complication | Description |
|---|---|
|
Anemia |
Lower than normal number of healthy red blood cells |
|
Bacterial vaginosis (BV) |
A vaginal infection caused by an overgrowth of bacteria. |
|
Cytomegalovirus (CMV) |
A virus that can cause disease in infants whose mothers are infected with CMV. |
|
Depression |
Sadness or complete lack of feelings during or after pregnancy |
|
Ectopic pregnancy |
When a fertilized egg implants outside of the uterus. |
|
Fetal problems |
Unborn baby has a health issue, such as poor growth or heart problems |
|
Gestational diabetes |
Blood sugar levels are too high during pregnancy |
|
Hepatitis B virus (HBV) |
A viral infection that can be passed to baby during birth. |
|
High blood pressure (pregnancy related) |
High blood pressure that starts after 20 weeks of pregnancy. |
|
Hyperemesis gravidarum (HG) |
Severe vomiting that’s due to being pregnant |
|
Influenza (flu) |
Common viral infection that has a more intense effect on pregnant women. |
|
Listeriosis |
Infection that can cause early delivery or miscarriage. |
|
Parvovirus B19 (fifth disease) |
This virus can potentially infect the fetus. |
|
Placenta previa |
Placenta covers part or entire opening of cervix inside of the uterus |
|
Placental abruption |
Placenta separates from uterine wall before delivery. |
|
Preeclampsia/Toxemia |
This can start 20 weeks of pregnancy and causes high blood pressure and problems with the kidneys and other organs. Also called toxemia. |
|
Sexually transmitted infection(STI) |
STIs can cause a woman's water to break too early and can cause birth to happen too early. |
|
Toxoplasmosis |
An infection is caused by a parasite, which is found in cat feces, soil, and raw or undercooked meat. The infection can cause hearing loss, blindness, or intellectual disabilities. |
|
Urinary tract infection (UTI) |
Bacterial infection in urinary tract. If untreated, it can spread to the kidneys, which can cause preterm labor. |
If you have had complications from your pregnancy prior to purchasing your policy, you’ll need to complete a medical screening when you’re purchasing your travel insurance. At this point, we’ll make an assessment of whether we can or can’t offer you cover, or whether you need to pay an additional premium.
Please contact us if you need more information.
If you don’t tell us about the circumstances of your pregnancy, and something happens to you, we may refuse or reduce your travel insurance claim.
The above information only applies if you are within the coverable gestational period (24 weeks for single pregnancies and 19 weeks for multiple pregnancies).
If your pregnancy has passed the 19th or 24th week, we won’t be able to provide you with cover for your pregnancy (but you may still be able to get travel insurance for other things!).
NOTE: This is general information only and is not intended as medical advice. Please consult a medical professional for specific advice.
Up to and including the 24th week for single fetus pregnancy, and up to and including the 19th week for multiple fetus pregnancy, provided that you have had no complications with the pregnancy.
Yes, up to 24th week for single fetus pregnancy, and up to and including the 19th week for multiple foetus pregnancy - provided that you have had no complications with the pregnancy.
We would not be able to provide cover for you if you are travelling against the advice of of your medical advisor.
If the complication you had with a past pregnancy has given rise to a pre-existing medical condition, you’ll have to disclose that condition. If you don’t have any conditions as a result of your past pregnancy complication, you don’t need to let us know.
Provided you met the automatic pregnancy cover criteria when you purchased your policy and are within the coverable gestational period at the time of the incident, you would have a provision to claim in relation to unforeseen complications.
Generally, it’s wise to do all of your travelling before 24 weeks. This also minimises your risk of childbirth whilst overseas as this is not covered under our pregnancy cover.
The cover for pregnancy will cease once you hit the 25th week. This means we won’t cover incidents that are related to your pregnancy, but you’ll still be covered for the other inclusions on your policy (eg, medical emergency unrelated to your pregnancy, cancellation, lost luggage, etc. See the PDS for details).
If you meet the automatic pregnancy cover criteria and you are within the gestational cover limits, you would have a provision to claim in relation to unforeseen complications.
If you wanted your pregnancy to be covered while you hold your Frequent Traveller policy, you’d have to begin and end each trip within the coverable periods mentioned on this page.
If we can’t offer you cover for your pregnancy, we may be able to still offer you cover for the other inclusions on your policy (eg, medical emergency unrelated to your pregnancy, cancellation, lost luggage, etc. See the PDS for details).
Please note, you will still need to declare any pre-existing conditions including those that are pregnancy complications.
We would only require documentation in the event of a claim.
If you meet the automatic pregnancy cover criteria and you’re within the coverable gestational period, your pregnancy would be automatically covered, and you can apply for Already Overseas cover.
If you don’t meet the automatic pregnancy criteria you can still apply for Already Overseas cover. Even though we won't be able to cover your pregnancy, you'll still need to let us know about it.
The same pregnancy terms apply whether you are flying or going on a cruise. We can only cover you if you are with the coverable gestational periods. Additionally, if you are going on a cruise, you will need to purchase a cruise pack.
If you forgot to disclose your pregnancy you can call our Customer Care Team who will discuss your circumstances and whether we can provide cover for your pregnancy.
This excellent fact sheet provides a summary of information relevant for women who are planning a pregnancy or are pregnant and intending to travel.
Health Direct, the Australian Government’s national public health information service, and they have a special section all about travelling while pregnant. Find out more
Be informed. Be prepared. Visit the Australian Government's SmartTraveller website, where you'll have all the latest vaccination information for your next trip.
IAMAT are a non-profit organization who help travellers plan a healthy trip, and connect travellers with reputable English-speaking doctors. They are a useful point of contact if you haven any complications arise on your trip.
It’s important that you have all the right vaccinations before you travel. From malaria to meningococcal, find out what you need to know about vaccinations and travel insurance.
A pre-existing medical condition is something that must be disclosed when you’re purchasing travel insurance. Find out what they are and how they affect your travel insurance.
Repatriation is the process of returning a person home after a medical emergency or at worst case death. Being covered for repatriation is important, so read the ins and outs.
If you have any other questions or queries, please visit our Contact Us page.
If you are experiencing an emergency, please use the details on our Emergency Assistance page.
1Cover ® is a registered trademark of 1Cover Pty Ltd. 1Cover Pty Ltd ABN 91 105 954 265, is an authorised representative of Coffre-Fort Pty Limited ABN 66 125 358 518, AFS Licence No. 472457. Before you buy, please read the Product Disclosure Statement and Target Market Determination. Any information contained on this website is general advice only and has been prepared without taking into account your objectives, financial situation or needs. You should consider these having regard to the Product Disclosure Statement (‘PDS’). Before you purchase, please note in particular, the eligibility criteria, travel warnings in place and limitations to claim under multiple policy sections.
This insurance is underwritten by HDI Global Specialty SE – Australia.
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