trip cancellation insurance pregnancy

Travel Insurance and Pregnancy: What to Know

Travel insurance policies generally exclude normal pregnancy-related expenses but can cover you for unforeseen medical issues..

Christy Rakoczy has been a personal finance and insurance writer for over a decade. Her work has been published on USA Today, MSN, Yahoo Finance, Credit Karma, Forbes Advisor, and more. Christy has a JD from UCLA School of Law and previously worked as a data analyst for Blue Cross and as a paralegal studies instructor before transitioning to writing full time.

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Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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Updated September 19, 2023

Table of contents

• Travel insurance
• What’s covered
• What’s excluded
• Getting insurance
• Airline restrictions

Regular prenatal care is crucial to a healthy pregnancy. Unfortunately, if you’re traveling while pregnant, your regular health insurer may not cover you if you’re out of state or out of the country. That’s because many insurers provide coverage only within their local networks, which often include health providers only near where you live. [1]

Travel insurance can provide some coverage if you’re traveling while pregnant, but the protections available may be more limited than you think.

Here are some types of travel insurance you can consider if you’re going away while expecting.

What is travel insurance for pregnancy?

Travel insurance protects against losses you experience when things don’t go as planned. This includes events that happen before or during a scheduled vacation. Some types of travel insurance you could purchase include:

Trip cancellation insurance: Trip cancellation insurance will reimburse you for non-refundable expenses if you can’t take your vacation for a covered reason.

Trip interruption insurance: Trip interruption insurance provides reimbursement for the unused portion of your vacation if you must cut the trip short for a covered reason.

Travel medical insurance or medical benefits coverage: Travel medical insurance provides short-term medical coverage, so your healthcare bills will be paid if you unexpectedly require medical care while on a trip.

Emergency medical evacuation insurance: This insurance pays for the costs if you must be evacuated from your location to an adequate medical facility.

Each of these types of coverage could be useful if you’re traveling while pregnant, as your condition could leave you unable to depart on a trip or continue the trip. However, it’s important to understand the limitations of the travel policy you’re buying before purchasing coverage.

While many travel insurance companies reimburse for medical expenses related to emergency complications associated with pregnancy, normal pregnancies wouldn’t usually be viewed as a reason to cancel or interrupt your trip, nor would routine prenatal care generally be paid for by travel medical insurance.

What does travel insurance cover when you’re pregnant?

Travel insurance doesn’t cover every potential medical need or every potential reason for cancellation or interruption of a trip. Compensated losses must occur for a covered reason. However, travel insurance does provide coverage for certain pregnancy-related issues.

While the specifics vary by policy, you can expect most travel insurance policies to cover the following:

Trip cancellation, interruption, or medical needs due to unexpected illnesses or accidents not related to your pregnancy

Emergency medical care due to complications of pregnancy, including hospitalization, ambulances, or medical evacuation if necessary

Trip cancellation or interruption due to complications of pregnancy [2]

Unforeseen complications of pregnancy that are often covered by travel insurers include:

Ectopic pregnancy

Miscarriage

Pre-eclampsia

Hyperemesis gravidarum

Other complications of similar severity that are considered a medical emergency

Some insurers provide coverage for pregnancy-related complications only during specific times during your pregnancy. [3] And many insurers don’t specifically list the complications that would be covered but instead make the decision on a case-by-case basis.

What does travel insurance exclude for pregnant travelers?

Travel insurance plans aren’t meant to pay for routine medical care associated with normal pregnancy. Most policies won’t cover:

Medical costs associated with normal labor or childbirth

Routine pregnancy symptoms, such as morning sickness

Trip cancellation due to an airline carrier rejecting you because you’re traveling outside of its normal guidelines

False labor

Required bedrest

Pre-existing medical conditions that are exacerbated by pregnancy

Routine prenatal care

Travel insurance policies generally won’t reimburse you for a canceled or interrupted trip if your doctor simply advises you not to travel due to your pregnancy, unless there’s a specific unexpected medical condition or complication.

You also won’t be covered if you travel against the advice of your doctor or if you were medically unable to travel at the time you booked the trip.

How to buy travel insurance when you’re pregnant

You should purchase travel coverage as soon as you book your trip when pregnant due to the increased risk of a covered complication. If you don’t buy coverage right away, make sure to purchase it at least 15 days prior to your trip to avoid added costs.

Remember, travel insurance excludes pre-existing conditions, so it’s a good idea to purchase a policy immediately because any complications that arise before you purchase a policy wouldn’t be covered. [4]

You should shop around for a policy carefully and read the fine print to understand what types of medical treatment and pregnancy-related complications would be covered. If you want to be able to cancel your trip due to routine issues associated with pregnancy or due to a potential future pregnancy, you should consider purchasing “cancel for any reason” (CFAR) coverage.

How much travel insurance costs for pregnant travelers

Travel insurance typically costs 4% to 10% of your total prepaid non-refundable trip cost. If insurers view your pregnancy as adding risk, you can expect to pay more for coverage. Pregnant travelers may also pay more for travel insurance when buying add-ons, such as CFAR coverage.

What to know about airline restrictions when pregnant

If you’ll be flying while pregnant, it’s important to know that some airlines restrict travel for people who are expecting. If you can’t fly due to airline policy, travel insurance generally won’t cover the costs of your canceled trip.

Here are some airlines’ rules for when pregnant people are allowed to travel.

Travel insurance pregnancy FAQs

If you’re planning to travel during a pregnancy, this additional information may help as you research your travel insurance options.

What pregnancy issues does travel insurance not cover?

Travel insurance doesn’t cover routine pregnancy-related symptoms. You also won’t be reimbursed through trip cancellation coverage if you decide to cancel your trip because you become pregnant, if your doctor says you can’t fly, or if you’re refused access to a flight or accommodations because of their policies on pregnancy-related travel.

Will travel insurance pay for cancellation if a doctor orders bed rest?

Travel insurance typically won’t pay for a cancellation simply because a doctor orders bed rest. You may be able to get reimbursed through trip cancellation coverage if you must go on bed rest due to a specific unexpected complication of pregnancy covered by your insurer. If you have “cancel for any reason” coverage, this will also provide partial reimbursement if you must cancel your trip because you’re put on bed rest.

Will travel insurance pay for false labor?

Travel insurance generally doesn’t pay for false labor. A travel insurance policy generally won’t cover any normal symptoms of pregnancy. You would receive coverage for medical care only if you had medical coverage and experienced an emergency related to your pregnancy, such as developing pre-eclampsia or experiencing another severe unexpected complication.

Do you need to disclose your pregnancy to your travel insurance company?

You generally don’t need to disclose your pregnancy to your travel insurance company, although the rules can vary by insurer. You won’t receive coverage for any routine pregnancy symptoms, for normal prenatal care, or for normal childbirth.

Is travel insurance worth it for pregnant people?

Purchasing travel insurance can be an important step in making sure you’re prepared for unexpected events if you’re traveling while pregnant, according to the Centers for Disease Control and Prevention. [5] Pregnant women are also advised to ensure travel insurance covers pregnancy-related expenses by the U.S. State Department. [6]

However, it’s important to understand the limitations of coverage, as most travel insurance policies don’t cover routine pregnancy-related expenses and will pay only for complications.

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June 1, 2020

Due to travel restrictions, plans are only available with travel dates on or after

Due to travel restrictions, plans are only available with effective start dates on or after

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What Does Travel Insurance Cover During Pregnancy?

Traveling while pregnant? Here's how travel insurance can help.

If you experience unforeseen pregnancy complications, that can be a covered reason for canceling or interrupting your trip.

Normal pregnancy can be a covered reason for trip cancellation if the pregnancy occurs after your effective coverage date.

If you need emergency treatment for pregnancy complications while you're traveling, your insurance may reimburse you for the cost of medical care.

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• Key takeaways

Coverages to look for when buying pregnancy travel insurance

Which pregnancy complications does travel insurance cover, what pregnancy issues are not covered by travel insurance, airline rules for flying while pregnant, what if i get pregnant after buying travel insurance, things to consider when traveling while pregnant, pregnancy travel insurance faq.

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Related topics

Guide to Traveling While Pregnant: Pregnancy Travel Insurance

• Pregnant travelers are at a higher risk of illness and injury. Therefore, it’s a good idea to opt for travel insurance.
• According to Johns Hopkins , it is generally advised not to travel after 36 weeks of pregnancy for domestic trips, and after the 28th week of pregnancy for international travel.
• According to the CDC , cruises may not allow you to travel after 24–28 weeks of pregnancy, and you may need to have a note from your doctor stating you are fit to travel.
• Many pregnancy-specific scenarios may not be covered by travel insurance, such as routine prenatal care, the cost of childbirth, false labor, and bed rest.
• Non-pregnancy-related illnesses, medical emergencies, accidents, and injuries will typically be covered as part of your travel insurance plan.
• CFAR insurance is the best type of insurance for pregnant travelers as it allows you to cancel your trip for any reason and still be reimbursed.
• If you get pregnant after buying travel insurance, review your policy’s terms and conditions and contact your provider to answer any questions you have.
• To help you find the best travel insurance for your trip, try using an online comparison tool . This way you can get multiple quotes and compare your options easily in one place.

Our top picks for the best pregnancy travel insurance

• Seven Corners: Best Overall
• Generali Global Assistance: Best for Trips Within North America
• Tin Leg: Best for "A Bit of Everything"

Our top picks for pregnancy travel insurance

Seven corners, generali global assistance.

When shopping for pregnancy travel insurance, there are several details to keep in mind. First, you should know that travel insurance coverage and included benefits vary from plan to plan, and that coverage limits also vary by provider.

Pregnant women should ensure they have some basic travel insurance benefits in place such as health coverage and travel cancellation benefits. This will help ensure they get proper care if pregnancy complications arise during a trip, or if they feel unwell and require a medical assessment.

Here’s a rundown of the main types of pregnancy coverage to look for in travel insurance that covers pregnancy:

Emergency medical insurance

All travelers should make sure they have a travel insurance policy with adequate limits for emergency medical expenses, but this is especially true for pregnant people. That’s because pregnant travelers are at a higher risk for injury or illness that requires hospitalization.

Many medical travel insurance plans will typically cover complications that arise mid-pregnancy during a trip, including ectopic pregnancy, miscarriage, preeclampsia, and more. Since nearly anything could go wrong and medical care tends to be expensive, pregnant people should look for travel insurance cover that has high limits for emergency medical treatment.

Emergency medical evacuation coverage

Having pregnancy travel insurance with excellent medical evacuation coverage is also crucial, or at least it can be for pregnant women who may need to be evacuated home to give birth. Medical evacuation coverage can pay for ambulance rides as well as helicopter transport to the nearest medical facility, or even plane transportation back to your home country if deemed medically necessary.

Trip cancellation insurance

Many travel insurance providers will reimburse you for all or a portion of your nonrefundable trip costs if you have trip cancellation coverage . If you already knew you were pregnant before purchasing insurance then this is usually not a valid reason for cancelling your trip. However, pregnancy may be a valid reason if you find out after you’ve booked, for example, a Christmas trip to Mexico and paid for an insurance policy .

Surprise pregnancy and trip cancellation

Imagine you are planning a week-long hiking trip through Costa Rica or a crusie around the Bahamas and you decide to book plane tickets and your hotel stay almost one year out. As the trip gets closer, however, you find out you’re pregnant and decide you shouldn’t be hiking the jungle during mid-pregnancy, which is where the dates of your trip happen to fall.

While this isn’t always the case, some trip cancellation policies list pregnancy as a covered reason where coverage can apply . Make sure to read over your policy documents, including the fine print, so you know whether you have coverage for surprise pregnancy and trip cancellation that results. Alternatively, you may want to opt for year-long travel coverage .

Late-term pregnancy and trip cancellation

If you’re worried about being able to cancel a trip and get some of your non-refundable travel expenses back based on recommendations not to travel that come from a healthcare provider, you may want to purchase “cancel for any reason” or CFAR travel insurance that lets you call off your trip for any reason and receive 50% to 80% of your prepaid trip cost back.

Now imagine you planned a trip to Mexico or France during pregnancy on purpose, but your healthcare provider becomes worried about blood clots and advises you not to travel. In this case, there are no active medical conditions preventing you from travel, so your plan may not provide coverage at all.

Trip interruption insurance

Trip interruption coverage can kick in to provide financial support when your trip is interrupted for reasons beyond your control. In the case of a pregnant person traveling, this coverage could prove crucial if a pregnancy-related complication occurs while traveling.

Insurance for lost or delayed baggage

Pregnant travelers should also make sure they have coverage for lost or delayed baggage just like any other traveler. This kind of insurance can help replace luggage that’s lost by a common carrier, as well as personal belongings up to plan limits. Baggage delay insurance can also pay for incidental expenses that pop up when bags are delayed for a certain length of time (usually 6 to 12 hours) depending on the plan. For example, if your baggage is held up for an extended period on your trip to Japan , you can be reimbursed for maternity clothing and toiletries needed during that time.

Trip delay coverage

Trip delay coverage can pay for incidental expenses that result when a trip is delayed for reasons beyond the traveler’s control, including meals, hotel stays, and more.

Examples of unexpected and unforeseeable medical complications related to pregnancy that could potentially be covered include:

• Pre-eclampsia : a condition that causes high blood pressure and damage to organs.
• Gestational diabetes : diabetes that develops during pregnancy.
• Hyperemesis gravidarum : severe and persistent vomiting during pregnancy that can lead to dehydration and weight loss.

For a traveler to be covered for pregnancy and complications that result from pregnancy, the details must be specifically listed in the policy they buy. This means you’ll need to read over the pregnancy travel insurance plans you’re considering from front to back to know what’s included for sure.

It’s important to note that some travel insurance policies may have exclusions or limitations related to pre-existing conditions or complications, so it’s always a good idea to review your policy carefully and contact your insurance provider if you have any questions or concerns.

Because travel insurance is meant to cover emergencies and not regular healthcare , many scenarios and pregnancy issues are not covered by this kind of insurance at all.

Childbirth without complications is not covered through travel insurance. The only scenario where childbirth could be covered is if the mother winds up with complications that arise during delivery. In that case, emergency medical expenses could be covered by a plan.

Disinclination to travel

Disinclination to travel due to pregnancy may or may not be covered by travel insurance. This depends on the details listed in the policy and whether pregnancy is considered a “covered reason” not to travel.

False labor

False labor is not typically covered through travel insurance , although complications that result from false labor could be.

Physician-prescribed bed rest

If a physician prescribes bed rest during a trip, this is not covered through a traditional travel insurance plan. However, emergency medical evacuation coverage could apply if evacuation to your home country is deemed medically necessary.

Routine prenatal care

Also note that typical prenatal care is not covered by travel insurance . This includes general medical care you might receive if you wind up experiencing morning sickness or spotting, as well as check-ups.

We already mentioned how commercial air carriers have their own rules regarding pregnant travelers.

However, you should know that most of their policies set limits on pregnant travel during the third trimester only, which wouldn’t impact travelers who are in their first trimester or taking a trip during their 24th week.

Here are some airline policies for pregnancy from several major air carriers:

• American Airlines : American Airlines allows pregnant women to travel during their third trimester, although those who plan to travel within four weeks of their due date must provide a doctor’s certificate that shows they are fit to travel.
• Delta Air Lines : Delta Air Lines does not impose any travel restrictions on pregnant travelers, nor do they require a doctor’s note or certificate.
• Southwest Airlines : Southwest Airlines does not impose any specific conditions or restrictions for pregnant people who want to fly, but they advise against flying after the 38th week of pregnancy. The airline also recommends consulting a physician before flying.
• United Airlines : United Airlines requires a physician’s certificate, including an original and two copies, for pregnant travelers who want to fly after their 36th week of pregnancy. The certificate must also be dated within 72 hours of the planned departure time for the flight.
• JetBlue : JetBlue does not allow travelers to fly within seven days of their due date without a physician’s note saying they are fit to travel. The note must be dated within 72 hours of the planned departure time for the flight.

If you become pregnant after purchasing a travel insurance policy, you should review your policy’s terms and conditions to determine what coverage you may have . It’s important to review your policy carefully and contact your travel insurance provider as soon as possible if you have any questions or concerns about your coverage. They can help you understand your policy’s coverage and options, and may be able to provide assistance.

Getting pregnant after you buy travel insurance is very common, especially since many people book airfare and hotels up to one year out.

If you are planning a trip but believe you might become pregnant before the travel date, it’s smart to keep that in mind as you figure out the exact dates for your vacation.

If you’re planning on traveling while pregnant, you should consider the following as you plan your vacation.

General risks

According to Johns Hopkins , it is generally advised not to travel after 36 weeks of pregnancy for domestic trips, and after the 28th week of pregnancy for international travel. The CDC also advises against traveling while pregnant to countries that require pre-travel vaccination. The  American College of Obstetricians and Gynecologists notes that most common pregnancy emergencies usually happen in the first and third trimesters

If you have a history of any of the following conditions or complications, it may also be best to wait until after childbirth to travel:

• History of miscarriage, ectopic pregnancy, premature labor, or current placental abnormalities
• Incompetent cervix
• Multiple fetuses in current pregnancy or history of multiple pregnancies
• History of toxemia, high blood pressure, or diabetes during pregnancy
• History of infertility or trouble getting pregnant
• Pregnancy for the first time beyond the age of 35
• Heart problems
• History of blood clots
• Severe anemia

Destination-specific travel risks

You may also be advised against traveling to destinations with specific risks, and you should do some research of what potential risks are before you book a trip.

For example, you may not want to travel while pregnant to:

• Destinations at a high altitude
• Places that have outbreaks of life-threatening food- or insect-borne infections
• Destinations where malaria or Zika virus are common
• Destinations where you’re recommended to have a live virus vaccine before travel
• Destinations where medical care for pregnancy or delivery may be inadequate
• Places with high levels of COVID-19*

*If planning to travel to a location with high levels of COVID-19, ensure you opt for a travel insurance plan that covers COVID as any other illness.

Best types of travel for pregnancy

Consider which types of travel may actually be enjoyable while you’re pregnant, and whether you’re better off just staying home and planning a future trip instead. Where a relaxing beach vacation could be excellent for pregnant mothers, high-stress trips or travel with lots of physical activity, such as a trip to celebrate Carnival in Brazil , may not be worth it.

According to the American College of Obstetricians and Gynecologists (ACOG), the best time to travel is mid-pregnancy (14 to 28 weeks). The ACOG always recommends speaking with your healthcare professional about travel during pregnancy and keeping your comfort and safety in mind as you make travel plans.

Flying while pregnant

The ACOG says that occasional air travel during a normal pregnancy not considered high-risk is typically safe. However, the organization says you should avoid flying if “you have a medical or pregnancy condition that may be made worse by flying or could require emergency medical care.”

To make air travel as comfortable as possible, the ACOG recommends the following:

• Book an aisle seat whenever possible.
• Avoid drinking carbonated drinks during your flight and drink bottled water instead.
• Wear your seatbelt on the plane to protect yourself and your unborn baby.
• Get up and walk around a few times during your flight.

Buying cancel for any reason (CFAR) coverage

CFAR insurance is the best type of insurance to get when you are pregnant. Purchasing “cancel for any reason” coverage from your insurance company can provide considerable peace of mind as it lets you cancel your trip for any reason at all and get part (usually 50% to 80%) of your pre-paid trip cost back. It’s typically sold as an add-on, so you can get medical coverage as well.

It’s also important to note that this coverage can reimburse you regardless of whether you have a pregnancy complication. So, you can use it to cancel your trip and get reimbursement even if you just decide to stay home. However, this is the most expensive type of travel insurance. Therefore, additional premiums will apply if you want to add CFAR coverage to your travel insurance plan.

Do you need to tell travel insurance you are pregnant?

You don’t need to tell your travel insurance company you’re pregnant unless this information is requested when you apply. However, if you have any doubts about coverage for pregnancy, it may be helpful to let your provider know when you book.

Does travel insurance cover cancellation due to pregnancy?

Some plans include pregnancy as a reason for trip cancellation, but many do not. Make sure to read over your policy details so you know for sure. When in doubt, opt for a cancel for any reason travel policy .

Is travel insurance more expensive when pregnant?

Pregnancy travel coverage isn’t necessarily more expensive. You can find affordable travel insurance covering the most common risks of pregnancy. However, pregnant travelers may want to purchase comprehensive coverage with higher limits for emergency medical expenses and medical evacuation. In this case, it would be more expensive than simply having basic coverage.

Does travel insurance cover childbirth?

Travel insurance does not cover the expenses of traditional childbirth. However, some expenses may be covered if complications occur that require medical intervention.

Holly D. Johnson is an award-winning personal finance writer who covers topics like insurance, investing, credit and family finance. As a leading voice in the travel and loyalty space, Johnson has traveled with her family to more than 50 countries over the last decade.

The author has also written extensively on the power of household budgeting, and she even co-authored a book on the topic. Zero Down Your Debt: Reclaim Your Income and Build a Life You’ll Love was originally published in 2017, and it teaches families how to use zero-sum budgeting to reach their financial goals. She is also the co-owner and founder of the family finance and travel website, ClubThrifty.com.

Johnson’s 10+ years of writing have focused on helping families make important financial decisions at each stage of their lives. The author also applies the financial principles she teaches to her own life, and she is currently on track to retire in her late 40’s with her partner. She currently lives in Central Indiana with her husband and children, and she is a regular contributor for Bankrate, CNN, Forbes, U.S. News and World Report Travel and many other notable publications.

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Pregnancy travel insurance - here's what to know before you book

--> BY Jessica Humphries

Last updated . 20 December 2023

Relish the excitement of your travel plans with your blossoming baby bump by securing the right cover.

Enjoying a journey with a little one on the way? The thrill of travel is irresistible, but let’s face it – the logistics can pile up faster than you can say ‘jetlag’, and Mama – you’ve got enough on your plate. If your adventurous side still calls, despite having a baby on board, navigating the realm of travel insurance  becomes a whole new adventure. Fear not, we’ve got everything you need to know about travel insurance when you’re pregnant right here.

Key things to consider before buying coverage

When you’re planning your trip with a baby on board, there are some things you’ll need to consider straight-up.

How far along are you?

We know you’ve heard the question a million times, but here’s where it really counts. When it comes to pregnancy and travel insurance, most insurers graciously cover single, uncomplicated pregnancies following natural conception. However, there’s a catch – the coverage window varies.

The best time to travel is within your second trimester.

Some providers extend their umbrella up to 30 weeks, while others gently fold it at 23 to 26 weeks pregnant. Most importantly, remember – the stork won’t deliver coverage for birth-related costs or newborn expenses. So, if you can, keep your window wide and travel within the sweet spot (more on that later).

Is pregnancy considered a ‘pre-existing medical condition’?

Thankfully, pregnancy isn’t generally considered a pre-existing medical condition  when you’re obtaining travel insurance. If you’re under 26 weeks (at the time of travel) with just one bub on board, you may not need to declare it at all. However, honesty is key, especially if you’re dealing with a more complex pregnancy. Disclose the details to your insurer to make sure you’re covered.

Be prepared with pregnancy travel insurance for your safety.

What to look for in a pregnancy travel insurance policy

It’s time to dig into the details. Here’s what you’ll need to keep an eye out for in your travel insurance to make sure you and your bump have a smooth ride.

Travelling while pregnant can be a fulfilling experience. (Image: Josh Bean)

The benefits buffet

Navigating pregnancy with travel insurance is like entering an extensive buffet – enticing, filled with numerous options, and just a tad overwhelming. Yet, the crucial factor lies in the details. Delve into the fine print to ensure you grasp the details of the nitty gritty.

Tick off the benefits of your pregnancy coverage.

If you identify any gaps, ask your insurer about tailored policy add-ons for a personalised experience. Alternatively, explore other options that cater specifically to your unique pregnancy needs.

• Make sure your policy covers (on top of standard travel insurance staples):
• Unforeseen pregnancy challenges.
• Emergency medical coverage abroad: including expenses for unexpected illnesses, complications, or severe injuries related to your pregnancy.
• Trip cancellation protection.
• Around-the-clock travel assistance.

Make sure that your policy covers unexpected pregnancy challenges.

Cancellation considerations

If there’s ever a time when last-minute travel plans can swiftly change, it’s during pregnancy. Your pregnancy might even be a time when you consider locking in your coverage before finalising your booking. Locking in coverage ensures that in the event of unexpected pregnancy complications leading to a trip cancellation, you’re covered – no strings attached.

Consider last-minute travel changes especially when you’re travelling with a child.

Find out what’s excluded

Navigate the exclusion territory carefully. Be aware that certain conditions, like conception through IVF, expecting multiples, or planning travel after the approved gestational weeks, may lead to limited or no coverage.

Common exclusions:

• Conception through assisted reproduction (IVF).
• Seeking reimbursement for childbirth or newborn healthcare expenses if you give birth on your trip.
• Travelling against medical advice from your doctor.
• Expecting twins (or more!).
• Planning travel beyond the approved weeks according to your provider.
• Dealing with pregnancy complications (previous miscarriages or premature labour, gestational diabetes etc.) – disclose them to avoid issues.
• Routine pregnancy check-ups abroad.

Remember, some exclusions can be lifted with premium payments or a medical assessment.

Trimester travel tactics: A travel roadmap for every stage

When planning your travels, take your pregnancy stage into account for a seamlessly enjoyable journey tailored to each trimester.

First-trimester trail

The first 12 weeks are the opening act of your pregnancy journey. While generally safe for travel, be aware that morning sickness might steal the show. Consider scheduling your adventures post-week 12 to dodge any queasy interludes.

You may experience morning sickness during your first trimester.

Second-trimester bliss

The perfect time for a babymoon, your second trimester offers you a golden ticket to travel bliss, sans complications. Chat to your doctor, pack your bags, and make the most of this worry-free window.

Always check with your doctor for any pregnancy reminders before travelling. (Image: Lucas Favre)

Third-trimester reality check

Some airlines may give side-eye glances if you’re deep into the third trimester, and many travel insurance providers will cap their coverage around the 26-week mark. If leisure is the plan, think twice before boarding that flight.

It’s best to travel with a companion.

As you embark on this exciting journey with a baby on board, remember that a well-informed approach to travel insurance during pregnancy is your ticket to peace of mind. From navigating coverage windows to crafting your personalised pregnancy passport and considering trimester-specific tactics, your wanderlust need not be put on hold. Embrace the adventure, plan wisely, and savour every moment of this unique chapter in your globetrotting story. Safe travels, mama!

Travelling during pregnancy can be your first milestone as a family.

For more tips and advice, read our travel insurance hub  to help you navigate the ins and outs of what to do before you head overseas.

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• Does travel insurance cover pregnancy?

With travel insurance, pregnant travellers can get their medical expenses covered if they have a health emergency during their trip. Sometimes they can also get trip cancellation insurance if they can’t go on their trip due to pregnancy. Coverage depends on when the traveller became pregnant and how far away their due date is in relation to their trip dates.

• Can you get travel insurance if you're pregnant?

How many weeks pregnant can you get travel insurance?

Does pregnancy count as a pre-existing condition, does travel insurance cover labour or pregnancy-related issues, can you cancel your trip due to pregnancy.

• Can you end your trip early because of a pregnancy?
• FAQs about travelling while pregnant

Travelling can be an exciting adventure, but what happens when you’re expecting a little bundle of joy? Some parents-to-be don’t let it stop them from booking “babymoons” where they can enjoy a trip together before their child is born. Others are more cautious, and think twice about their vacations.

No matter which route you take, you’re bound to have questions about travelling while pregnant and what kind of insurance coverage you can get. In this article, we’ll explore your options.

Need insurance answers now?

Call 1-888-601-9980 to speak to our licensed advisors right away, or book some time with them below.

Does travel insurance cover pregnancy? 

Yes , when you’re pregnant, your travel insurance can offer some coverage. But it depends on your circumstances and your policy.

To start with, most Canadian insurance companies do NOT cover any medical costs related to pregnancy nine weeks before or after the expected delivery date.

If you plan your trip to be more than nine weeks before your baby is supposed to be born, and you weren’t already pregnant when you made your travel plans, most travel insurance policies will cover you. Keep these rules in mind as you read this article, as what you’ll be covered for will depend on meeting this criterion.

What is travel insurance?

Travel insurance is a type of insurance that helps to cover the cost of medical care if you become sick or injured while travelling. It can also protect you from financial loss if you have to cancel or interrupt your trip.

What does travel insurance cover?

There are many types of travel insurance. Different plans can cover:

• Travel medical and dental care
• Ambulance transportation and repatriation
• Stable pre-existing health conditions
• Travel accidents
• Prescription drugs
• Trip cancellation
• Trip interruption
• Baggage lost/stolen
• Adventure sports
• Visitors to Canada

Emergency medical travel insurance plans can cost as low as $20 for a week-long trip. Browse quotes at the click of a button on our website or learn more about:

Can you get travel insurance if you’re pregnant?

Yes, you can get travel insurance if you’re pregnant. In fact, pregnancy might be all the more reason to get travel insurance to give you peace of mind during your journey! While fun, travelling can be a stressful experience sometimes. The right coverage can help make sure expecting moms and dads keep emotional and financial stress levels down throughout the trip.

Some travel insurance companies may have restrictions or specific requirements when it comes to insuring a pregnant traveller. Speak with one of our advisors to check which providers would best fit your needs, and be sure to read the fine print and ask questions if anything is unclear.

Most travel insurance providers will allow coverage for pregnant travellers up to nine weeks before their due date, or between the 28th and 32nd week of pregnancy. It varies depending on the insurance provider, so be sure to check before you sign up for the policy.

Did you know?

Around 60% of new parents have taken a babymoon vacation  that included an overnight stay away from home. Source: Liberty Travel and BabyCenter.com

A normal pregnancy is considered pre-existing for travel insurance if the insured person was pregnant before they bought the policy, or if they became pregnant before their trip starts.

A pre-existing condition is a health issue the traveller had been diagnosed with before they had their insurance policy. It includes health issues like cancer , diabetes , mental health conditions , etc.

Pregnancy is not considered pre-existing if the traveller becomes pregnant after the date their policy starts, which is usually the first day of their trip. For instance, if you’re halfway through your vacation and suddenly find out you’re pregnant, that will not be considered pre-existing and you could be covered for some unexpected healthcare costs if needed.

For normal pregnancies that are pre-existing, no routine care will be covered. You will not be covered for any emergency medical care within nine weeks before or nine weeks after your delivery date.

High-risk pregnancies are also considered pre-existing health conditions, and will not be covered at all.

Travel insurance can sometimes cover labour or pregnancy-related issues, but it depends on factors like:

• When the travel was booked Was it before or after the pregnancy?
• When the travel insurance policy was purchased Was it before or after the pregnancy?
• How close to the due date you are travelling Is it within nine weeks of the expected due date?
• What kind of coverage you have Trip cancellation & trip interruption insurance  cover different things  than emergency medical insurance plans do.
• If the pregnant person is a  Canadian resident travelling  abroad or a  visitor to Canada Coverage can be different for each.

Let’s take a look at some of these below.

If you unexpectedly give birth more than nine weeks from your expected due date, then travel insurance will cover those costs. In this case, it will be treated as a medical emergency. This is the case whether your pregnancy was pre-existing or not.

What might labour exclusions look like on your travel insurance policy?

This insurance contains limitations and exclusions (i.e. medical conditions that are not stable, pregnancy, child born on trip, excessive use of alcohol, high risk activities). – Manulife CoverMe travel insurance

2 Pregnancy complications

Travel insurance can cover medical expenses related to unforeseen complications like:

• Gestational diabetes (when the mother develops diabetes as a result of pregnancy)
• Preeclampsia (when the mother experiences dangerous high blood pressure and organ damage)
• Hyperemesis gravidarum (a severe form of morning sickness)
• Miscarriage (when the pregnancy prematurely ends on its own)

3 High-risk pregnancy

What might exclusions for pregnancy complications or risks look like on your travel insurance policy?

No coverage or reimbursement for expenses related to routine pre natal or post-natal care and pregnancy, delivery or complications of either the pregnancy or delivery, which occur 9 weeks before the expected date of delivery or anytime after. – GMS travel insurance

Yes, you may be able to cancel your trip due to a pregnancy and be reimbursed for nonrefundable trip costs. It depends on if:

✅ You have trip cancellation coverage or cancel-for-any-reason insurance 

✅ The pregnant person is:

• Your spouse
• Someone you were going to travel with
• The spouse/family member of someone you were going to travel with

✅ The pregnancy happens after the trip was booked

✅ The pregnancy happens after the insurance policy was bought

✅ The delivery date falls within nine weeks of when the trip was supposed to happen

✅ A doctor tells the pregnant person not to travel

If any of these events happen, your travel insurance policy can help you get back the money you spent on things like flights and accommodation costs. It can cover some or even all of those costs that you can’t get back otherwise.

Can you end your trip early because of a pregnancy? 

Trip interruption coverage may kick in if you’re already on your trip but want to end it early and go home because of a pregnancy. But it depends on your specific situation and your insurance provider’s rules.

Let’s say you’re on vacation when you realize you’re pregnant, so you want to go home immediately. Your travel insurance may not cover this if the pregnancy is not yet formally diagnosed or if it’s considered normal. And unless you’re travelling for months, you likely won’t be that heavily impacted.

On the other hand, if your babymoon to the Caribbean goes south and you start experiencing pregnancy complications, travel insurance could help cover both emergency medical costs and trip interruption costs . It can cover the costs of returning home early, as well as any unused portions of your trip.

Speak with an advisor

The type of travel insurance coverage that would be best for you and your family depends on your unique needs. While there’s no specialized plan for pregnant travellers, a licensed advisor can help you find the perfect policy to make your babymoon a dream come true! Schedule a call with one of our travel experts today to get personal advice.

Frequently asked questions

Will travel insurance cover if you deliver a baby in canada.

No, if you are a visitor you should not come to Canada to deliver your baby. Healthcare costs will not be covered and your travel insurance will not cover your medical expenses or any expenses incurred by your newborn baby.

The same applies for Canadian citizens and residents who deliver babies abroad. Travel insurance does not cover normal deliveries in any circumstance.

How many months pregnant can you travel?

In general, you can travel up to 36 weeks of pregnancy. This is whether you’re travelling by airplane, by boat, or by car. But note that:

• Not all travel insurance providers will cover you that close to your expected due date
• Some airlines may not allow you to travel that close to your expected due date
• Your doctor may advise you to hold off on travel

It can be tempting to just hop on the next plane out of here if you’re far out from your due date, but you should consider factors like this before making a decision.

Can you cancel your flight if you get pregnant?

Whether you can cancel your flight because of being pregnant depends on the company you booked with. Check with the different airline pregnancy policies or with the travel agency you booked with to find out their rules.

However, trip cancellation insurance or an all-inclusive travel insurance plan will allow you to cancel your flight and get reimbursed for the cost if:

• The pregnancy happens after the trip was booked
• The pregnancy happens after the travel insurance policy was bought
• The expected due date would fall within nine weeks of when the trip was supposed to take place
• A doctor advises the pregnant individual not to travel

Even if the airline isn’t forthcoming in this situation, a comprehensive travel insurance plan will have your back!

When should you avoid travelling during pregnancy?

Generally speaking, people avoid travelling during pregnancy in these circumstances:

❌ You have a high-risk pregnancy

❌ You’re experiencing pregnancy complications

❌ Your doctor tells you not to travel

❌ It’s close to your due date — within eight to nine weeks

❌ Your destination has limited access to quality healthcare

❌ There are travel advisories (such as to destinations with high rates of Zika virus, which is especially harmful to pregnant people and may cause birth defects for the fetus)

You should speak with your health care provider before making travel plans when you’re pregnant. It’s not just your due date you have to consider, but also things like health risk for you and your baby.

Which Canadian insurance providers should pregnant travellers consider?

If you’re looking for insurance with pregnancy coverage , we can recommend the following Canadian insurers:

• Destination Canada
• Allianz Global Assistance

You can compare the best travel insurance quotes from these providers and others right here on  PolicyAdvisor.com ! Our free online tool lets you customize coverage, compare plans, and apply in minutes!

• Travel insurance coverage for pregnancy varies depending on the insurance policy and circumstances
• You can be covered for medical emergencies or trip cancellation/interruption due to pregnancy
• Most insurance companies do not cover medical costs related to pregnancy within nine weeks before or after the expected delivery date

Find this informative? Share it with someone you care about.

The information above is intended for informational purposes only and is based on PolicyAdvisor’s own views, which are subject to change without notice. This content is not intended and should not be construed to constitute financial or legal advice. PolicyAdvisor accepts no responsibility for the outcome of people choosing to act on the information contained on this website. PolicyAdvisor makes every effort to include updated, accurate information. The above content may not include all terms, conditions, limitations, exclusions, termination, and other provisions of the policies described, some of which may be material to the policy selection. Please refer to the actual policy documents for complete details. In case of any discrepancy, the language in the actual policy documents will prevail. All rights reserved.

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• Travel Insurance for Pregnancy: Squaremouth Explains What's Covered

Travel Insurance for Pregnancy: Squaremouth Explains What’s Covered

Last Updated: October 9, 2018 October 5, 2023

Many travelers have the misconception that travel insurance will cover any health-related issues that may impact their trip, such as pregnancy. However, travel insurance is a highly regulated industry, and policies can only cover specific events that are listed within their legal certificate.

Many soon-to-be parents with upcoming trips want to know if pregnancy is commonly covered by travel insurance. Travel insurance comparison site, Squaremouth , explains if and when travel insurance covers pregnant women.

Can I Be Covered to Cancel My Trip If I’m Pregnant?

Most travel insurance policies exclude pregnancy as a covered reason to cancel a trip if a traveler is pregnant at the time they buy their policy. However, if the traveler gets pregnant after buying a policy,  pregnancy-related cancellations may be covered under the policy’s Trip Cancellation benefit.

The only way travelers can guarantee themselves cancellation coverage for pregnancy is by purchasing the Cancel For Any Reason upgrade . This benefit partially reimburses travelers to cancel for a reason that’s not otherwise covered, like fear of traveling while pregnant. In many cases, travelers with Cancel For Any Reason coverage don’t even need to provide a reason for their cancellation.

Will Pregnancy Expenses be Covered During My Trip?

Once a pregnant traveler has left for their trip, they may be covered by the Emergency Medical benefit for pregnancy complications that occur during their trip. “Complications of pregnancy” are generally not defined by travel insurance policies, so these claims will usually be handled on a case-by-case basis. With that said, normal pregnancy situations, such as childbirth and regular checkups, are typically excluded.

Although normal pregnancy is typically not covered by travel insurance, pregnant travelers can still be covered for medical emergencies unrelated to their pregnancy, such as illness or injury.

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Travel Insurance for Pregnancy: Protecting Your Health and Peace of Mind

Traveling while pregnant? See how much it would cost to protect your trip below.

in under 2 minutes

with our comparison partner, Squaremouth

Josh Lew is a travel journalist and writer based in the midwestern U.S. He has been active for the past decade, covering airlines, international destinations and ecotourism for sites like TravelPulse and TreeHugger. He currently contributes to content writing agency World Words.

Sabrina Lopez is an editor with over six years of experience writing and editing digital content with a particular focus on home services, home products and personal finance. When she is not working on articles to help consumers make informed decisions, Sabrina enjoys creative writing and spending time with her family and their two parrots.

Travel insurance plans have differing policies on pre-existing conditions, and travelers may wonder if policies cover pregnancy. Most insurers cover unexpected complications of pregnancy under standard travel medical insurance plans. It’s vital to understand the details and limitations to protect your health and peace of mind while traveling.

The best travel insurance providers make policies and restrictions clear so that customers understand their coverage and its limitations.

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Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

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The Importance of Travel Insurance for Pregnancy

Most people do not want to change existing travel plans or forego trips during pregnancy. According to the CDC, pregnant people do not need to cancel travel plans. However, be aware that some airlines and cruise lines may impose cut-offs at 36 weeks or earlier. Planning and thorough preparation are key to traveling safely while pregnant.

Johns Hopkins estimates that 8% of pregnancies have complications , and pregnant travelers have an increased risk of certain complications, including blood clots, digestive problems and severe morning sickness (hyperemesis gravidarum) .

The CDC says getting travel insurance and finding out where to access care in your destination is an essential step for traveling while carrying a baby. This coverage, combined with careful healthcare planning and enrollment in the State Department’s STEP program , can make travel as safe as possible during pregnancy.

If complications arise, you can react quickly and get the medical treatment you need. Even if the trip goes smoothly, the travel medical coverage will provide peace of mind knowing you are covered if something does occur.

Understanding the Benefits and Coverage Options

Pregnant women have several factors to consider when purchasing solo or group travel health insurance . The most important thing to understand is that travel insurance protects against unforeseen problems. If there are no other pre-existing medical conditions and if your obstetrician says you are fit to travel, standard travel insurance will pay for any emergency medical costs up to the coverage limits.

Many trip cancellation policies also list unexpected pregnancy as an acceptable reason for canceling a journey. If you find out about a pregnancy between booking and departure, the insurer will typically reimburse you for nonrefundable trip costs. If you find out about pregnancy before purchasing the policy, you are not eligible for the same cancellation coverage benefit unless you experience unexpected complications.

If you decide to travel while pregnant, coverage will include medical expenses and emergency medical evacuation . This coverage is important because it pays for transport to acceptable facilities if you cannot get the care you need in your location.

Eligibility Criteria and Important Considerations

Pregnant travelers need to make the distinction between unexpected pregnancy emergencies and normal childbirth. If you travel near your due date and go into labor, then the travel insurance provider will not cover hospital costs.

Some conditions related to pregnancy may qualify as pre-existing problems ineligible for regular travel coverage. Examples of such situations include pre-eclampsia and gestational diabetes.

When you purchase travel insurance, you should double-check pregnancy-related eligibility requirements before buying. In many cases, pregnant women are eligible for standard travel insurance coverage.

However, there could be special eligibility requirements.

• Pre-existing conditions, including those related to pregnancy, aren’t covered in standard policies. However, some insurers offer waivers for these ailments. The policyholder pays a higher premium to make up for the additional risk, and the insurer agrees to provide coverage if the conditions require medical attention during the trip.
• Some insurers may have age restrictions and won’t insure older pregnant travelers because of the increased risk of complications.
• High-risk pregnancies, because of pre-existing conditions, medical history or other factors, aren’t eligible for coverage. Insurers will calculate risk on a case-by-case basis.

Pregnant travelers can follow CDC recommendations for pre-trip check-ups and receive documentation to prove there are no complications or concerns before departure.

Choosing the Best Pregnancy Travel Insurance Policy

Several factors are essential when comparing providers before you buy travel medical insurance . First, you need to consider coverage limits. Remember that insurers will cover expenses for unexpected medical emergencies up to the coverage limits. Cheaper travel insurance plans may only offer $10,000 or $25,000 in emergency medical coverage. This amount may not cover complicated treatments or procedures. You should always ensure the insurance coverage limits are enough for the potential medical costs in your chosen destination.

Deductibles are another important consideration. Deductibles are out-of-pocket amounts customers pay before insurance payments start. Some policies have lower premiums but higher deductibles. You should select a plan with manageable deductibles.

Policies, definitions and terms can differ from insurer to insurer. You should look at the fine print, paying attention to any details related to pregnancy, pre-existing conditions and restrictions related to the age or stage of gestation.

The Bottom Line

Travel insurance provides medical coverage for pregnant travelers. Travel insurance covers unexpected complications related to pregnancy, but it does not pay for routine check-ups or natural childbirth.

Use our travel insurance search system to find information about policies so that you can make an informed decision about the best travel insurance policy to cover you during pregnancy, and collect multiple quotes to ensure you get the best coverage.

Frequently Asked Questions about Travel Insurance for Pregnancy

Can i get travel insurance if i am in the third trimester of pregnancy.

Travel insurers may or may not cover travelers during the third trimester. The third trimester begins at 27 weeks, but babies are typically ready for birth at 32 weeks . Many insurers do not cover pregnant travelers past the first month of the third trimester.

Even the few who offer late-term coverage won’t pay for services related to natural childbirth. The traveler will likely pay out of pocket if they are past 32 weeks of pregnancy and go into labor while traveling.

Will pregnancy-related complications be covered by travel insurance?

Travel insurance policies cover unexpected pregnancy-related complications. However, the insurer may exclude pre-existing conditions related to pregnancy. They may also have restrictions based on the age of the mother and trimester.

Can I add my unborn baby to the travel insurance policy?

Insurers will not cover costs associated with natural childbirth. After the child is born, they may or may not be covered based on your policy terms. You may need to purchase an additional policy for the baby or add them to your existing annual or multi-trip insurance after birth.

What if I have a pre-existing condition related to my pregnancy?

Insurers may exclude pre-existing conditions or require policyholders to purchase a waiver before traveling. These rules can extend to conditions caused by pregnancy. You need to ensure you meet the pre-existing condition requirements for your chosen insurer if you want coverage.

Methodology: Our System for Ranking the Best Travel Insurance Companies

Our team surveyed dozens of travel insurance providers and created a scoring system to judge each company’s quality and service. We reached out for sample quotes, both over the phone and on the internet, to simulate an authentic customer experience. Here are the factors that account for our provider reviews:

• Plan availability (20%): We looked for insurers with a variety of plans and the ability to customize the policy with upgrades.
• Coverage (40%): Among the benefits scored were medical expenses, medical and nonmedical evacuation, COVID-19 coverage, preexisting condition exclusion waivers, “cancel for any reason” coverage, trip interruption, travel delay time requirements, baggage delay time requirements, baggage reimbursement and financial default of a travel supplier. Special consideration was given to companies offering unique add-ons, such as extreme sports coverage, coverage for business equipment and pet coverage.
• Customer service and support (30%): We looked for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, a 24/7 emergency hotline, robust mobile apps and perks like concierge and translation services scored higher.
• Reputation (10%): We gauge reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau.

If you have feedback or questions about this article, please email the MarketWatch Guides team at  editors@marketwatchguides. com .

More Resources:

• Help and Support
• Travel Insurance
• Travel Insurance and Pregnancy

Pregnancy Travel Insurance

Everything you need to know about holiday insurance when pregnant.

If you and bump are planning a trip abroad, add pregnancy holiday insurance to the top of your checklist.

If you’re pregnant and planning a trip abroad, pregnancy travel insurance will no doubt be at the top of your checklist. But before you’ve even booked your holiday, many women will be concerned about whether they can fly, so let’s start there.

Can I fly while pregnant?

Flying while pregnant is a decision for mum and doctor; if your doctor or obstetrician gives you the green light to fly then you can.

According to the Royal College of Obstetricians and Gynaecologists , the safest time for pregnant women to fly is before 37 weeks if carrying one baby, or 32 weeks if carrying twins.

After this stage, there’s a chance you could go into labour, so it’s best to avoid going too far from home.

If you’re still hoping to travel, it's important to speak to your doctor or midwife and check it’s safe. They may advise against it if you have had any complications with your pregnancy.

If you’re over 28 weeks pregnant, the airline may ask to see a letter from your midwife or doctor. Some airlines have their own restrictions in place so it’s best to check their websites before you book.

Covid-19 - what our travel insurance covers

Our travel insurance now covers you for certain events related to Coronavirus (COVID-19), provided you have proof of a positive Covid-19 test and your cover is active at the time of the event.

What we cover

We provide cover for some costs related to Covid-19: please see Section 1 'emergency medical costs and repatriation' and Section 2 'cancelling or cutting short your trip' in your policy book for full details on what's covered.

We'll cover you if:

• you were diagnosed with Covid-19 before your trip was due to start
• a close relative died or became seriously ill as a result of Covid-19 before your trip was due to start
• you weren't allowed to board your pre-booked outbound travel due to symptoms of Covid-19
• an insured person or a close relative died during the trip because of Covid-19
• you couldn't take part in an excursion due to you self-isolating after getting Covid-19

What we don’t cover

You won't be covered if:

• you had reason to believe your trip may be cancelled, postponed or cut short when you booked it, purchased your policy or started your trip
• any government or public authority imposes travel restrictions or quarantine on a community, location, or vessel because of Covid-19 (this includes, but is not limited to, local lockdowns, entry requirements, being denied entry and airspace closures)
• you have to quarantine after arriving in the UK or abroad
• the Foreign Commonwealth & Development Office (FCDO) change their advice to avoid ‘all travel’ or ‘all but essential travel’ to your destination because of Covid-19

For more information about how Coronavirus (COVID-19) affects your travel cover, see our FAQ page . And remember to check the policy booklet carefully before you buy to make sure our cover meets your needs.

What does Pregnancy Travel Insurance cover?

Admiral Pregnancy Travel Insurance covers emergency medical treatment costs and repatriation as standard, up to £20million depending on the level of cover chosen.

We’ll only cover complications of pregnancy and childbirth abroad (as described in the ‘Definitions’ section of our policy wording). This includes treatment needed due to complications resulting from a pregnancy such as an emergency caesarean up until 40 weeks.

There’s no cover for routine medical care such as check-ups, pre-natal care, the costs of natural labour and childbirth after 32 weeks (or 24 weeks in the case of twins or multiples) or post-natal care. There’s also no cover if the carrier denies you boarding.

Three levels of Pregnancy Travel Insurance

Read the full list of benefits in the policy summary booklet .

Not all insurers will cover pregnancy after a certain stage when it’s more likely you could have a normal birth, which isn’t considered a medical emergency.

What stage this is, and the medical care that’s covered, varies from insurer to insurer so check this thoroughly before taking out your travel insurance.

Is pregnancy a medical condition for travel insurance?

Whether you need to declare your pregnancy depends on your insurer’s guidelines. For Admiral Travel Insurance, pregnancy isn’t considered a pre-existing condition , so there's no need to tell us before you travel.

However, make sure you tell us about any medical conditions you have because of your pregnancy, such as:

• Gestational diabetes
• High blood pressure

If you don't tell us, you might not be covered should you need medical assistance.

What happens if I go into labour abroad?

At the early signs of labour, you should try to stay calm and go to the nearest hospital as soon as possible. If it’s a medical emergency, please call us immediately so we can help - +44 (0)292 010 7777.

If you’re planning to have your baby abroad, you’ll need to speak to your doctor in the UK first. You’ll also need to apply for a Maternity S2 to cover the costs of your care because most policies don’t cover planned overseas births.

Be aware lots of airlines won’t allow new-borns on flights until they’re two-weeks-old, or even longer for premature babies. Have a plan in place if you need to stay away longer than expected and ask the airline when you’ll be able to fly home.

What if I have a pre-existing condition?

A pre-existing condition is a short or long term illness or injury you have or have had before you buy travel insurance. This includes having symptoms, tests, diagnosis or medical treatment for a condition.

You can declare your pre-existing conditions during the quote process to see if we can offer cover. If you’re unsure what needs to be declared or if you're unable to find your condition on the medical conditions list, please contact us on 0333 234 9913 .

Your pre-existing conditions won’t be covered unless you’ve:

• Declared them all on your policy
• Received written confirmation that we’ll cover your medical condition
• Paid any additional premium in full

Policy terms and conditions apply. Please note, if you’ve had a positive diagnosis of Covid-19 and been prescribed medication, received treatment, or had a consultation with a doctor or hospital specialist for any medical condition in the past two years, this needs to be declared on your policy.

If you don’t tell us about your pre-existing conditions or give us incorrect information, your policy may be invalid, and we may refuse all or part of any claim you submit.

For a quote with us, click the green button above.

The MoneyHelper directory

If you require cover for more serious medical conditions, MoneyHelper may be able to help you find specialist travel insurance through their medical directory.

If you wish to get in touch with them you can call them on 0800 138 7777 or find them online . (Monday to Friday 8:00-18:00, closed on Saturday, Sunday and bank holidays.)

Things to check before travelling while pregnant

Your questions answered

Do you need special travel insurance when pregnant.

Admiral single trip and annual travel insurances cover pregnancy and you won’t pay more for your cover as it’s not considered a pre-existing medical condition. You’ll get the standard cover for things like:

• Lost luggage
• Travel disruption
• Lost or stolen belongings

But we’ll also cover the costs of any emergency medical treatment you receive as the result of complications during your pregnancy.

Do I have to declare I’m pregnant on travel insurance?

Pregnancy is not considered a pre-existing medical condition so you don’t need to let us know before you fly. You should let us know about any conditions relating to your pregnancy to make sure you’re properly covered.

Can I fly after 32 weeks?

This is up to you and your doctor to decide – if it’s safe for you to do so and your doctor says it’s OK then you can fly. In terms of insurance, with Admiral you’re covered up to 40 weeks, but we strongly advise you get medical permission to fly in later stages of pregnancy. There's no cover for the costs of natural labour and childbirth after 32 weeks, or 24 weeks in the case of twins or multiples

I’ve just found out I’m pregnant and I don’t wish to travel. Am I covered?

No, you'll only be able to claim for cancellation due to pregnancy if your doctor advises against travel due to specific medical complications.

Take a look at our Travel Insurance and Pregnancy page for more information.

Does being pregnant affect my insurance?

Pregnancy isn’t considered a pre-existing medical condition , so there’s no need to tell us before you travel.

However, make sure you tell us about any medical conditions you have because of your pregnancy, such as gestational diabetes or high blood pressure. If you don’t, you might not be covered should you need medical assistance.

We will only cover complications of pregnancy and childbirth abroad (as described in the ‘Definitions’ section of our policy wording) so you aren't covered for routine medical care such as check-ups, pre-natal care, normal childbirth and post-natal care. There is also no cover if the carrier denies you boarding.

Getting the most out of your trip

Going anywhere nice.

Off to one of the destinations below? Take a look at our guides for some hints and tips on what you need to remember.

Travel insurance that suits you

Whether you're travelling solo, with your family, or with a little one on the way, read our guides to make sure our cover is right for you.

Family Travel Insurance

Student travel insurance, travelling while pregnant, travel insurance over 65, travelling with medical conditions, travel insurance upgrades.

Whether you want the adrenaline rush of a skiing holiday, or fancy taking to the seas on a cruise, you'll need to add extra cover to your policy.

Cruise Travel Insurance

Ski travel insurance, gadget travel insurance, adventurous sports insurance, single trip insurance, annual trip insurance.

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Blueprint is an independent, advertising-supported comparison service focused on helping readers make smarter decisions. We receive compensation from the companies that advertise on Blueprint which may impact how and where products appear on this site. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Blueprint. Blueprint does not include all companies, products or offers that may be available to you within the market. A list of selected affiliate partners is available here .

Travel insurance

What is trip cancellation travel insurance?

Lizzie Nealon

Kara McGinley

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 9:17 a.m. UTC Nov. 13, 2023

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• Trip cancellation insurance covers your prepaid, nonrefundable trip expenses if you’re unable to travel due to certain unforeseen circumstances, such as an illness or the death of a family member.
• Trip cancellation insurance generally won’t cover foreseeable or preventable events, such as a hurricane that was named before you bought coverage. 
• Basic trip cancellation insurance typically costs between 5% and 10% of the total cost of your trip.

The average household spent more than $2,000 a year on travel before the pandemic. As traveling rebounds and you’re ready to plan your next trip, a trip cancellation policy can give you peace of mind. But it’s important to understand what trip cancellation insurance does and does not cover.  

What is trip cancellation insurance?

Trip cancellation insurance is a type of travel insurance designed to reimburse you for prepaid, nonrefundable travel expenses when you cancel your trip because of a reason listed in your policy. 

Trip cancellation insurance is often part of a comprehensive travel insurance plan, but it can also be purchased separately. 

You can typically purchase trip cancellation insurance up to the day before your scheduled departure. It’s best, however, to buy a travel insurance plan as soon as you make your first trip deposit. You won’t be charged extra for buying a plan earlier, and you will be covered for a longer period of time.

What trip cancellation insurance covers

Trip cancellation insurance can reimburse you for 100% of your nonrefundable and prepaid trip costs if you cancel for a covered reason, which may include: 

• Death of your travel companion, business partner or family member (policies differ on who is considered a family member).
• Injury or illness of you or a travel companion (documented by a doctor).
• Complications from pregnancy for you or your travel companion.
• Traffic accident en route to departure.
• Mechanical breakdown or other failure of your transportation.
• Mandated shutdown of an airport or air traffic control system.
• Air traffic control or airport shutdown due to fire or power outage.
• Mandatory evacuation due to an unforeseen natural disaster.
• Severe, sudden weather.
• Your home or your trip lodging is uninhabitable due to a natural disaster, vandalism or burglary.
• Hurricane warning or hurricane watch (you must have purchased the policy before the storm was named).
• Terrorist attack.

What trip cancellation insurance does not cover

While trip cancellation policies differ, most plans will not cover incidents that could be foreseen or planned around. For instance, most trip cancellation policies will not cover cancellations resulting from:

• Alcohol or substance use.
• Committing a felony.
• Dental treatment or elective procedures.
• Harm resulting from dangerous activities such as skydiving or bungee jumping.
• Mental or nervous health disorders.
• Normal pregnancy and childbirth.
• Participation in amateur or professional sporting events.
• Self-harm. 

What is “cancel for any reason” coverage?  

If you want to be able to cancel your trip for any reason, not only those specified in your policy, consider buying “cancel for any reason” (CFAR) coverage. This premium upgrade will add about 50% to the cost of your trip cancellation insurance but will give you greater flexibility with your plans.  

CFAR coverage typically reimburses up to 75% of your nonrefundable trip costs when you cancel a trip. But you have to cancel at least 48 hours before your scheduled departure if you hope to file a successful CFAR claim. 

How much does trip cancellation insurance cost?

A basic travel insurance policy with trip cancellation coverage typically costs between 5% and 10% of the total cost of your trip. That means if you take a $5,000 safari trip to Tanzania, your travel insurance might cost between $250 and $500. 

How much you pay for trip cancellation insurance will depend on the travel insurance company, the plan and level of coverage you choose, the number of travelers in your party and their ages, your trip length and trip expenses. 

How to get trip cancellation insurance

Comprehensive travel insurance policies usually include trip cancellation benefits, but you can also buy a standalone trip cancellation policy. 

To shop for trip cancellation insurance, follow these steps. 

• Check if your credit card has travel insurance. If your credit card provides trip cancellation benefits when you pay for trip expenses with that card, you may opt to skip buying a separate trip insurance policy.
• Compare quotes. Choose a travel insurance company by comparing travel insurance plans and quotes online . 
• Buy the plan you want. You can buy travel insurance online. Be prepared to enter your travel dates and destination, the total value of your trip and information about your travel companions.
• Review your plan . After buying travel insurance, you typically have a free look period of 14 or 15 days. If you read the details of your plan and decide it’s not a good fit, you can cancel and request a refund during that period. 

Credit card rewards and trip cancellation insurance

The following cards provide complimentary travel insurance with trip cancellation benefits when you pay for your travel using the card :

• Capital One Venture X Rewards Credit Card * The information for the Capital One Venture X Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. .
• Chase Freedom Flex℠ * The information for the Chase Freedom Flex℠ has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. .
• Chase Sapphire Preferred® Card .
• Chase Sapphire Reserve® .
• Delta SkyMiles® Reserve American Express Card .¹
• Ink Business Preferred® Credit Card * The information for the Ink Business Preferred® Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. .
• The Business Platinum Card® from American Express * The information for the The Business Platinum Card® from American Express has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. .¹
• The Platinum Card® from American Express .¹
• United℠ Explorer Card * The information for the United℠ Explorer Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. .
• United Club℠ Infinite Card * The information for the United Club℠ Infinite Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

All information about The Business Platinum Card® from American Express has been collected independently by Blueprint.

Check to see if your credit card offers travel insurance with trip purchases and what coverage it provides. Travel insurance provided by credit cards isn’t usually as comprehensive as a separate policy.

Frequently asked questions (FAQs)

Trip cancellation insurance reimburses you for prepaid, nonrefundable expenses if you need to cancel a trip for a covered reason. Valid reasons for trip cancellation typically include unforeseen events such as a death in the family, sudden weather that leaves your destination uninhabitable or an illness that is documented by a doctor.

Most travel insurance plans bundle together several types of coverage, including trip cancellation insurance. If you have trip cancellation insurance, you can file a claim for any prepaid and nonrefundable expenses associated with a trip when you decide to cancel for a reason listed in your policy. 

When it comes to travel insurance, you’re not limited to cancellation coverage. The best comprehensive travel insurance plans also include coverage for incidents related to epidemics, emergency medical needs, baggage loss and damage, travel delays and trip interruption.

¹Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

*The information for the Capital One Venture X Rewards Credit Card, Chase Freedom Flex℠, Ink Business Preferred® Credit Card, The Business Platinum Card® from American Express, United Club℠ Infinite Card and United℠ Explorer Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Lizzie's commentary has been published in Bankrate, CNBC, the Washington Post, the Washington Examiner, MSN and more.

Kara McGinley is deputy editor of insurance at USA TODAY Blueprint and a licensed home insurance expert. Previously, she was a senior editor at Policygenius, where she specialized in homeowners and renters insurance. Her work and insights have been featured in MSN, Lifehacker, Kiplinger, PropertyCasualty360 and more.

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The Guide to Single Trip Travel Insurance

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Table of Contents

How single trip travel insurance works

How to choose between travel insurance companies, best plans for single trip travel insurance, other tips for travel insurance for a single trip, travel cards that come with complimentary travel insurance, single travel insurance for a trip recapped.

There are many types of travel insurance, including plans that’ll reimburse you for emergency medical expenses or unexpected travel delays. Along with coverage types, there are also different durations of travel insurance.

Single trip travel insurance will cover you during one vacation, while multitrip or annual travel insurance can last for multiple outings. Let’s take a look at single trip travel insurance, what kind of coverage you can expect and how to choose a plan that works for you.

Purchasing a travel insurance plan is fairly simple, as is making a claim. It generally goes like this:

You gather a few quotes from travel insurance companies.

You pick a plan that suits your needs and customize it to your liking.

You purchase your plan and include a date for it to start.

You go on your trip.

If something happens (such as a flight delay), keep the proof.

You make a claim with your travel insurance company.

The travel insurance company reimburses you. 

There are a few variations in how this can work (for instance, some travel insurance plans can pay a medical provider directly), but for the most part, this is how the process will go. This is the case whether you have one-trip travel insurance or multitrip travel insurance.

» Learn more: How to find the best travel insurance

There are several travel insurance companies out there, which can make choosing a plan difficult.

NerdWallet analysis found that some travel insurance providers rise above the rest in terms of breadth and depth of coverage, cost, customizability, and overall customer satisfaction. Jump to see our findings on the bets plans for single trip travel insurance.

However, before choosing a company and purchasing a plan, consider these questions:

How much am I willing to pay?

Do I want trip protection, emergency medical coverage or both?

Do I already have coverage somewhere?

How much customizability does my plan need?

Do I need coverage for preexisting conditions?

Will I be doing any sort of adventure activities?

Once you’ve answered these questions, do your due diligence and get quotes from multiple sources. Different providers will offer differing levels of coverage at varying prices, so it’s in your best interest to generate as many quotes as possible and read the fine print.

To make it simple, travel insurance aggregators such as Squaremouth (a NerdWallet partner) will provide you with multiple quotes at a time.

» Learn more: The best travel credit cards right now

We considered a wide variety of factors when it comes to selecting the best insurance for your trip. These factors include cost, customizability, coverage maximums, whether preexisting conditions are included and the type of coverage the policy offers.

World Nomads

World Nomads is great for active travelers because of its standard coverage of adventure activities. With just two plans from which to choose, it’s also simple to decide which one you’d like.

Covers 200-plus activities as standard. 

Simple plan options.

Emergency medical coverage included.

Only two choices for policies.

Riskier activities are covered only by the more expensive Explorer plan. 

Fixed-rate reimbursement for trip protection.

» Learn more: Read our full review of World Nomads

With eight plans on offer, Tin Leg has a policy for every type of traveler. Along with standard trip protections, Tin Leg also offers Cancel For Any Reason (CFAR) add-ons.

Plenty of plans from which to choose. 

Preexisting conditions included in most plans. 

Primary and secondary medical coverage options. 

Cheapest plan doesn’t cover preexisting medical conditions.

Rental car coverage add-on available only on Luxury plan. 

» Learn more: Is Cancel For Any Reason travel insurance worth it?

Seven Corners

Seven Corners is an excellent option for those who really want to customize their plans. Whether you’re looking for medical-only insurance or a more comprehensive policy, Seven Corners has options available.

Preexisting condition coverage available.

Medical-only plans on offer.

Covers missed tours and cruise connections. 

Inexpensive plan offers secondary medical insurance.

Event ticket registration coverage only for expensive plan. 

» Learn more: Is Seven Corners coverage worth the cost?

Our last company on the list is unique in that it covers those who use travel rewards, like purchasing flights or hotels with points and miles . This is fairly uncommon among travel insurance providers and can be really helpful when things go awry during award travel.

Plan options include accidental death and dismemberment (AD&D) travel life insurance. 

Covers up to $300 in frequent traveler reward costs. 

Worldwide travel assistance included on every policy.

Cancel For Any Reason insurance available only on most expensive plan. 

Just $35,000 in emergency medical for basic plan (low compared to similar policies at other companies).

» Learn more: Our full TravelSafe review

If you’re interested in getting travel insurance, do yourself a favor and consider these tips before making any purchases:

Consult your medical insurance provider to see whether it offers coverage out of country .

Consider an annual plan to save money if you make multiple trips per year.

Check your credit card for complimentary travel insurance . Many offer this benefit, and if its limits are satisfactory, you can book your travels with it and avoid buying a separate policy out-of-pocket altogether. More on this in the next section.

If you're looking to get coverage for a one-off trip, among your best options is to simply pay for your travel with a card that includes travel insurance as a benefit.

Most travel cards will include coverage for things like trip interruption , trip delays and lost luggage .

on Chase's website

on American Express' website

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Trip delay: Up to $500 per trip for delays more than 6 hours.

• Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

• Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

Terms apply.

If you’re in the market for single trip travel insurance, there are plenty of options available to you. Before purchasing a plan, grab quotes from multiple companies because the types of coverage and costs are going to vary.

Beyond this, be sure to check whether your credit card offers complimentary travel insurance and reach out to your medical insurance provider to see what type of coverage it offers overseas.

American Express insurance disclosures

Insurance Benefit: Trip Delay Insurance

Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by New Hampshire Insurance Company, an AIG Company.

Insurance Benefit: Trip Cancellation and Interruption Insurance

The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.

Insurance Benefit: Baggage Insurance Plan

Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on Baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip.

Underwritten by AMEX Assurance Company.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

When Do You Need Travel Insurance?

T ravel is an adventure filled with unexpected detours. Whether it's a volcano erupting in Iceland or a sudden illness before a big trip to Kenya, the unpredictable happens. That's why travel insurance isn't just a checkbox on your planning list; it's a parachute in your backpack for your personal finances . Let's dive into when you really need travel insurance and how it shields your travel investments.

What travel insurance can cover

Travel insurance can give you peace of mind when it comes to several elements of travel.

Natural disasters and severe weather

Did you know that 12% of trips are affected by natural disasters? Take, for instance, my personal mishap in 2010 when the infamous Eyjafjallajökull volcano in Iceland erupted. Ash clouds billowed into the sky, grounding flights across Europe, including my own in London. Stuck unexpectedly and without travel insurance, the financial and logistical stress was immense. This experience underscored a harsh truth: Travel disruptions are not just possible; they are a real risk that can happen anywhere, anytime.

If your travel destination has a reputation for weather-related unpredictability, travel insurance is a must. It ensures you can recoup the costs if you need to cancel or your travel is disrupted. This kind of foresight is invaluable, particularly considering that 41% of U.S. travelers do not purchase travel insurance when going abroad.

Health emergencies

The risk of falling ill or having an accident is more common than most travelers anticipate. In 2022, 1 in 5 paid travel insurance claims was for medical emergencies. U.S. health plans often provide limited coverage overseas, which means you could be facing hefty medical bills far from home without travel insurance. Plus, emergency medical evacuation -- which can cost anywhere from $20,000 to $200,000 -- is typically covered under travel medical insurance, safeguarding your health and your wallet.

Read more: check out our picks for the best car insurance companies

High-cost trips

Travel insurance is crucial if you're investing in a once-in-a-lifetime trip or your travel plans include high-cost, non-refundable elements like tours, cruises, or multiple connecting flights. In 2022, the average claim payment for travel insurance was $2,157, while travelers only spent an average of $266 per policy. This relatively small investment can protect against significant financial losses, especially if your non-refundable trip costs are more than your budget can stand.

The "cancel for any reason" safety net

Sometimes, plans change not because of a disaster or illness but simply because you decide to. That's where "cancel for any reason" (CFAR) coverage comes in. This add-on allows you to recover part of your investment even if your reason for canceling isn't covered under a standard policy. While CFAR can add about 50% to your insurance cost, it offers flexibility and peace of mind, reimbursing you for 75% of your prepaid, non-refundable expenses if you cancel at least 48 hours before departure.

Long journeys and remote destinations

Extended vacations or travels to remote locations with limited medical facilities also warrant travel insurance. The further you are from home, the more complicated and expensive it is to handle unexpected issues like medical emergencies or trip interruptions. The average trip cancellation claim was $6,448 in 2022 -- highlighting how crucial it is to have coverage that matches the scope and scale of your journey.

This is also important if you plan to be abroad for a long time. For example, I live with my family in Switzerland for the summer, so we get insurance to cover our entire stay in the event we need to go to a doctor for anything from strep throat to a broken bone.

Other costs covered by travel insurance

Here's a quick list of what's typically covered.

• Trip cancellation: Reimburses 100% of prepaid, non-refundable deposits if you cancel for a covered reason.
• Travel delay: Covers expenses incurred due to delays if the policy covers the cause.
• Cancel for any reason (CFAR): Allows cancellation for any reason not listed in the base policy and provides partial reimbursement.
• Trip interruption: Reimburses non-refundable parts of your trip if interrupted for a covered reason.
• Interruption for any reason (IFAR): This policy offers reimbursement for any interruption, regardless of the reason, as long as it's not listed in the base policy.
• Missed connection: Compensates for costs incurred due to missing a scheduled flight or other transportation due to a covered event.
• Baggage delay: Reimburses for necessary purchases like clothing and toiletries if bags go missing during travel.

These coverages help manage the risks and potential inconveniences associated with traveling, providing peace of mind no matter where your journey takes you.

When you should get travel insurance

Like auto or home insurance , travel insurance is often considered a prudent investment, especially under certain travel conditions where the risks and potential losses could be significant. Here are some scenarios where buying travel insurance proves to be especially worthwhile.

• High nonrefundable costs: If your trip's upfront costs are substantial and nonrefundable, insurance can protect you from severe financial loss if your plans fall through.
• International travel: Having insurance is crucial when traveling abroad, where unexpected issues can complicate matters.
• Remote destinations: Travel insurance is essential for peace of mind and safety in areas with limited healthcare facilities.
• Hurricane-prone areas: Insurance can protect you from last-minute cancellations and disruptions when traveling to regions known for hurricanes or other severe weather.
• Complex itineraries: With connecting flights or multiple destinations, the chances of encountering issues increase, making insurance a smart choice.
• Flexible cancellation options: Certain travel insurance policies can offer partial reimbursement if you need to cancel or cut your trip short for any reason.

Choosing whether to buy travel insurance is about assessing risk. Will the peace of mind of knowing you can handle almost any issue while away from home make your trip more enjoyable? If the answer is yes, then travel insurance is worth it.

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We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent does not cover all offers on the market. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team.The Motley Fool has no position in any of the stocks mentioned. The Motley Fool has a disclosure policy .

StarTribune

Spirit and frontier drop change and cancel fees, while southwest finally joins google flights, another hot european summer.

Europe is headed for another scorching summer, meteorologists warn. And travelers, once again, are heading to the hot spots. Last year, large parts of southern Europe experienced prolonged periods of extreme heat with temperatures reaching 118 degrees. Visitors collapsed from heat exhaustion at crowded tourist sites, and wildfires led to evacuations in Greece, Italy and Spain. This year, Rome, Paris and Athens are among the most searched cities out of billions of U.S. searches for summer vacations on Kayak and Expedia. But some travelers are seeking cooler destinations in places such as Norway, Slovenia, Switzerland, Sweden and Finland. Flight searches for Tromsø, Norway, for example, have risen by 85% over 2023, according to Kayak.

New York Times

Spirit, Frontier drop change fees

Spirit Airlines is the latest carrier to do away with cancellation and change fees. The policy change allows customers to modify and cancel their flights at no extra cost. "Change fees are now gone for all," and "cancellation fees are canceled for everyone," reads Spirit's website. Before, passengers had to pay $69 to $119 to change tickets, depending on how many days in advance. The elimination of change and cancellation fees at Spirit follows a similar move by low-cost rival Frontier Airlines, which announced several changes aimed at improving price transparency. During the pandemic, major airlines including American, Delta and United did away with change fees on standard economy and premium cabin tickets.

Southwest finally on Google Flights

For years, it was a distinction that set Southwest Airlines apart from all the other airlines. The airline refused to allow its flights to appear among competitors on third-party sites like Google Flights. Unexpectedly last week, Scott Keyes, who founded Going, noticed that Southwest had begun to appear in third-party booking searches. Southwest Airlines has landed on Google Flights. A spokesperson for Southwest said that Southwest is "piloting" the "partnership" to allow for price comparisons. It's unclear if this means that Southwest Airlines will remain on Google Flights forever, but at least for the start of summer 2024, frequent flyers can count on seeing Southwest appear on Google's search results.

Save on travel insurance

International trips are averaging more than $9,000 per person this summer, according to Florida-based Squaremouth, a travel insurance comparison engine. That's higher than ever — a 7% increase over 2023. And as trip costs continue to climb, so does the price to insure them; Squaremouth research shows that travel insurance premiums have risen 22% year-over-year, to more than $600 in 2024. To bring travel insurance costs down, the company recommends insuring only expenses you're likely to lose if you should cancel your trip. For instance, if the penalty to cancel a hotel reservation is 50%, insure only that amount vs. the full cost of the room; this will reduce the total cost of your policy.

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