AllClear policies provide cover for complications of pregnancy and childbirth up to 32 weeks for single pregnancy and 24 weeks for a multiple pregnancy, as long as your doctor and midwife know about your travel plans and you’re not travelling against medical advice. Travel after 32 weeks (single pregnancy) or 24 weeks (multiple pregnancy) will not be covered.
We do not consider pregnancy or childbirth to be an illness or injury.
Your policy defines “complications of pregnancy and childbirth” to include:
- Toxaemia – toxins in the blood
- Gestational diabetes – diabetes arising as a result of pregnancy
- Gestational hypertension – high blood pressure arising as a result of pregnancy
- Pre-eclampsia – high blood pressure with fluid retention/protein in urine
- Ectopic pregnancy – pregnancy outside the uterus
- Molar pregnancy / hydatidiform mole – tumour from placental tissue
- Post-partum haemorrhage – excessive bleeding after childbirth
- Retained placenta membrane – placenta left in the uterus after delivery
- Placental abruption – placenta separating from the uterus wall
- Hyperemesis gravidarum – excessive vomiting in pregnancy
- Placenta praevia – placenta covering part/all of cervix
- Stillbirth
- Miscarriage
- Emergency caesarean section
- Termination needed for medical reasons
- Premature birth more than 8 weeks early (16 weeks for multiples)
These complications are covered under the relevant sections of your policy:
- Routine pregnancy or routine childbirth with no complication is not considered an illness or injury .
- Medical Emergency Expenses
- Cutting Your Trip Short
- Cancellation (not included on Silver)
Find your policy booklet here
Conditions and what’s not covered:
- Your doctor and midwife must be aware of your travel plans.
- You must not be travelling against medical advice.
- Childbirth at or after 32 weeks (single pregnancy) is not covered.
- Childbirth at or after 24 weeks (multiple pregnancy) is not covered.
- Cancellation cover for these complications is not available on Silver (Silver does not include Cancellation).
Other things to check:
Airlines, ferries and other transport providers have their own pregnancy travel rules, which sit outside your insurance cover, so please check these before you book.