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Home / Travel Insurance / Articles / Travel Tips / Does Travel Insurance Cover Pregnancy Emergencies?

Does Travel Insurance Cover Pregnancy Emergencies?

Team AckoDec 24, 2025

Yes, travel insurance can cover pregnancy emergencies, but only in clearly defined medical situations. Coverage generally applies to sudden, unforeseen complications such as ectopic pregnancy, miscarriage, pregnancy-related infections, or emergency hospitalisation due to severe pain or bleeding.

However, routine maternity care, expected labour, or normal childbirth. Pregnancy-related claims are only looked at based on how medically necessary they are and how serious the emergency is. This means that travellers need to know how pregnancy coverage works before they plan their trip.

So, keep reading to get a detailed idea about travel insurance for pregnancy emergencies.

Banner image of a pregnant traveler and a hospital scene with the text ‘Does Travel Insurance Cover Pregnancy Emergencies?

Contents

What Does Travel Insurance for Pregnancy Cover?
What Does Travel Insurance for Pregnancy Not Cover?
Tips For Pregnant Women While Buying a Travel Insurance Policy
The Bottom Line
Frequently Asked Questions

What Does Travel Insurance for Pregnancy Cover?

Many insurers do offer travel insurance for pregnancy in India in case of unusual emergencies. Let us look at what travel insurance companies cover:

Emergency Medical Care

Coverage includes unexpected problems like pre-eclampsia, miscarriage, ectopic pregnancy, or other serious conditions that need immediate, life-saving care. Routine prenatal care and planned surgeries are not covered.

Emergency Medical Evacuation

If there are not enough medical facilities nearby, the policy may pay for your evacuation to a better-equipped hospital or your return to your home country, if a doctor says it is necessary.

Trip Cancellation for Medical Reasons

If a doctor says that sudden pregnancy problems make travel unsafe, the costs that cannot be refunded may be reimbursed.

Surprise Pregnancy Cover

Some policies let you cancel your trip if you find out you're pregnant after buying the policy, as long as you meet certain documentation requirements.

What Does Travel Insurance for Pregnancy Not Cover?

Here is a list of medical requirements that a travel insurance policy for pregnancy does not include.

1. Routine Childbirth

Insurance companies do not cover a timely and natural childbirth during a trip in maternity travel insurance.

2. Routine Checkups

Pregnant women require periodic routine checkups from a doctor for updates about their pregnancy. Costs of such check-ups are not the insurer’s responsibility.

3. Pre-Existing Complications

If you already had a pregnancy-related complication before purchasing the policy, it will not be covered unless it becomes a sudden, life-threatening emergency requiring immediate hospitalisation.

Tips For Pregnant Women While Buying a Travel Insurance Policy

Know these tips before purchasing a travel insurance policy during pregnancy:

Disclose Your Pregnancy

Be upfront with your insurer about your expected due date and the stage of pregnancy you are in.

Read Policy Wordings Carefully

Read your insurer’s policy wording carefully and check whether they cover pregnancy-related emergencies or not.

Confirm Coverage and its Extent

If your insurer covers pregnancy-related emergencies, find out exactly what kind of emergencies they cover and up to what extent. For example, some insurers may cover pregnancy complications only when they qualify as emergency, life-saving situations, and not routine issues like miscarriage or premature childbirth.

Always Carry Your Medical Records From Your Doctor for Pregnancy

Carry your recent medical reports and prescriptions with you while travelling to help the doctors diagnose your complication and commence treatment.

Check For Medical Facilities at Your Destination

Make sure you do not travel to a very remote area during pregnancy, as it will be hard to get emergency medical help in such places.

Want to buy a travel insurance policy from a trustworthy and affordable insurance company. Consider ACKO’s comprehensive Travel Insurance and get personalised and flexible insurance policies as per your needs.

The Bottom Line

Travel insurance for pregnancy emergencies can offer meaningful protection for pregnant travellers, but only under specific circumstances. Insurers like ACKO cover pregnancy-related emergencies only when they require urgent, life-saving medical treatment or occur as a result of an accident.

However, you must always check whether your insurer covers pregnancy-related trip cancellation, as most policies, including ACKO’s, exclude routine pregnancy care and childbirth. It is important to note that it totally depends on the insurance company’s policy wording as to what kind of pregnancy-related complications they cover or do not cover.

Frequently Asked Questions

Does travel insurance cover normal pregnancy or routine prenatal care?

No, emergency medical attention for routine care, regular check-ups, or a healthy, uncomplicated delivery is not covered in a travel insurance plan.

Are unexpected complications covered under travel insurance for pregnancy?

Only pregnancy complications that require emergency, life-saving treatment are covered. Routine symptoms like morning sickness or expected labour are not covered.

Will insurance pay if I go into labour or give birth during my trip?

If your delivery is expected and is scheduled as per your time of delivery, your claim will be rejected. However, labour or childbirth during a trip is generally not covered unless the complication arises due to an accident or leads to a life-threatening medical emergency.

Should I tell my insurer about my pregnancy while purchasing a travel insurance policy?

Yes, you must always make all types of medical complications clear with your insurer. As this simple miscommunication can be the grounds for non-disbursal of insurance claims.

Can I raise a travel insurance claim in case of a premature delivery during my trip?

A claim for premature delivery may be considered only if the situation becomes a life-threatening emergency or if the complication occurs due to an accident.

Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on several secondary sources on the internet, and is subject to changes. Please check the policy document for cancellation reasons, and terms and conditions of the policy.

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