Why Trust MoneySmart?Travel Insurance for Pregnant Women & Travel Tips for Expectant Mothers
Planning a babymoon during pregnancy? There are more things to take note of when travelling while pregnant, and buying travel insurance requires extra care. Specialised pregnancy travel insurance can cover pregnancy-related medical expenses during your trip. Below, we break down the options available in the market for pregnancy travel insurance, and share practical travel tips for expectant mothers, so mums-to-be can have a reliable reference.
TLDR? Let AI summarise the key points for you!
Travelling while pregnant comes with risks, but if you are in your second trimester (14â28 weeks) and have your doctorâs approval, itâs generally considered safer to travel.
Most standard travel insurance policies do not cover pregnancy, miscarriage, or childbirth-related expenses. Expectant mothers should look into specialised pregnancy travel insurance.
Travel insurance for pregnancy women can cover pregnancy-related medical costs, but premiums are usually higher and coverage is limited.
There are only a few dedicated pregnancy travel insurance plans in the market. For example, the American Express Prestige Travel Insurance offers certain levels of medical coverage.
Before travelling, mothers-to-be should consult their doctor, prepare prenatal check-up documents, bring essential medication, and consider the medical standards at their destination.
During the trip, avoid strenuous activities, pay attention to food hygiene, make good use of airport facilities, and take rest whenever needed.
What Risks Are There When Travelling During Pregnancy?
Pregnant women are often perceived as being discouraged from moving around too much, so some people advise against travelling during pregnancy. However, as long as you assess the risks carefully and prepare well in advance, mums-to-be can go on a babymoon trip. Itâs a meaningful way for couples to enjoy a relaxing and romantic getaway together, a symbolic âtrip for threeâ before the baby arrives.
Generally speaking, the second trimester (around 14 to 28 weeks) is when a womanâs body is most stable, making travel easier and more comfortable. In the first trimester (first 12 weeks), morning sickness risk is higher. In the later stages of pregnancy (around 30 weeks onwards), mothers may feel more fatigued or unwell, and the chances of going into labour are higher. Airlines may also impose restrictions. Thatâs why travelling in the second trimester is usually the most suitable.
Pregnancy Stage | Common Physical Conditions | Travel Suitability |
First 12 weeks | Frequent nausea and vomiting | Should depend on personal condition and doctorâs advice |
Around 14â28 weeks | Reduced morning sickness, lower miscarriage risk, easier mobility | Should depend on personal condition and doctorâs advice |
Around 30 weeks onwards | Increased discomfort, higher chance of labour, airline restrictions | Should depend on personal condition and doctorâs advice |
Travel Insurance Comparison
Travel Insurance* | Medical & Accident | Trip Cancellation | Baggage Loss | Personal Liability |
HK$1,500,000 | HK$20,000 | HK$15,000 | HK$1,000,000 | |
HK$1,000,000 | HK$25,000 | HK$10,000 | HK$1,000,000 | |
HK$ 500,000 | HK$25,000 | HK$8,000 | HK$1,500,000 | |
HK$1,000,000 | HK$25,000 | HK$10,000 | HK$2,000,000 | |
HK$1,000,000 | HK$50,000 | HK$20,000 | HK$2,000,000 |
Is there such thing as travel Insurance for pregnant women?
Thereâs no dedicated travel insurance for pregnant women in the market. Pregnancy, childbirth, miscarriage and related complications are common exclusions in travel insurance policies. Medical needs, trip cancellations or other travel losses resulting from normal pregnancy might not be covered. When in doubt, please read the terms and conditions thoroughly or consult the insurance company directly.Â
Why Travel Insurance Is Important for Expectant Mothers
Travelling during pregnancy carries additional risks, so having travel insurance provides an extra layer of protection. While most standard travel insurance does not cover pregnancy or childbirth, nor injuries or illnesses related to them, and does not cover trip cancellations due to pregnancy, it still provides the usual benefits, such as coverage for personal belongings, baggage loss, and trip cancellations due to reasons other than pregnancy. These protections should not be overlooked.
Pregnancy-Related Travel Insurance
There are very few travel insurance plans in the market that specifically provide coverage for pregnant women. One of the main options available is the American Express Prestige Travel Insurance.
It offers coverage for pregnancy-related medical expenses incurred during travel, with a maximum payout of HK$10,000.
The plan is available in single-trip or annual coverage formats, to suit different needs.
For example, for a 5-day trip to Japan, the Standard Plan costs about HK$157 (with pregnancy-related medical coverage of up to HK$5,000), while the Superior Plan costs about HK$251.
However, the American Express Prestige Travel Insurance does not cover the following pregnancy-related situations:
Any expenses for pregnancy-related treatment received in Hong Kong or in the insuredâs country of residence.
Any expenses incurred during the first trimester of pregnancy (0â12 weeks).
Ectopic pregnancy, childbirth (including premature birth), or stillbirth.
Abortion or miscarriage, unless directly caused by physical injury and not related to pregnancy or childbirth.
Any mental, psychological, or psychiatric conditions, including postpartum depression.
Any pre-existing medical conditions prior to coverage.
Travel Tips for Expectant Mothers
Travelling during pregnancy carries higher risks compared to others, so extra preparation is necessary before departure. Below are some useful tips for mums-to-be planning a trip:
Choose your destination carefully: Avoid areas with outbreaks of infectious diseases. Opt for countries with good hygiene standards and advanced medical systems, so you can access urgent care if needed.
Consult your doctor: Always seek advice from your obstetrician before travelling to assess if you are fit for the trip. If flying, prepare a doctorâs fitness-to-fly certificate and check the airlineâs pregnancy policies.
Bring prenatal check-up records: Carry your prenatal records and insurance policy details. For destinations like Japan or South Korea, consider having them translated into the local language to avoid communication issues.
Pack necessary medication: Bring your regular prescribed medicines and confirm with your doctor that they are safe for pregnant women.
During the Trip
Use airport facilities: Many airports provide priority lanes or facilities for pregnant travellers. Look out for signs or ask airport staff.
Avoid strenuous activities: Refrain from high-impact or risky activities such as hiking, skiing, diving, or amusement park rides.
Mind food hygiene: Stay hydrated and avoid dining in places with poor hygiene standards.
Rest frequently: Pay attention to your body. If you feel tired, take breaks and avoid overexertion.
