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June 1, 2020

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Travel During Pregnancy: What Does Travel Insurance Cover?

Some of the most common questions we get at Allianz Global Assistance are about traveling while pregnant. While most pregnant women can safely travel without incident, sometimes complications arise and customers wonder, "What does travel insurance cover?"

Here’s the quick answer: Travel insurance can cover certain situations that result from unforeseen pregnancy complications, or a pregnancy that occurs after you’ve purchased your plan. Travel insurance typically does not cover trip cancellations or other travel losses resulting from normal pregnancy.

Like any other kind of insurance, travel insurance includes specific coverage definitions and restrictions. Read your agreement carefully, and if you have any questions about coverage, call. Pregnant women should consult their doctors with concerns and questions about safe travel.

If you’re pregnant, or you might be soon, it’s wise to protect upcoming trips. Maximize your coverage window by purchasing travel protection as soon as possible. Our most popular plan is OneTrip Prime , which includes substantial benefits for trip cancellation/interruption and medical emergencies.

Read on for a detailed guide to travel insurance and pregnancy from Allianz Global Assistance.

Pregnancy Complications: What Does Travel Insurance Cover? 

You're in the first trimester of your pregnancy and feeling fine — until you begin feeling extremely nauseous a week before you're supposed to fly to New York on business. Your doctor diagnoses you with hyperemesis gravidarum, a severe and serious form of morning sickness, and you end up in the hospital on the day of your scheduled flight. Can travel insurance reimburse you for the canceled trip?

Yes. Travel insurance from Allianz Global Assistance can cover losses resulting from unforeseen pregnancy complications, such as pre-eclampsia, gestational diabetes or hyperemesis gravidarum. That means your travel insurance may reimburse you for nonrefundable trip costs lost if you must cancel or interrupt your trip because of pregnancy complications. The illness, injury, or medical condition you’re experiencing must be disabling enough to make a reasonable person cancel their trip, and a doctor must advise you to cancel it. For example, normal morning sickness would not be a covered reason for trip cancellation. When you’re filing a claim for trip cancellation/interruption related to a pregnancy complication, you’ll need documentation from your physician.

All travel insurance plans from Allianz Global Assistance include access to 24-Hour Emergency Assistance . If you experience a medical emergency while traveling, or any other problem, contact our hotline via phone or the TravelSmart TM app for rapid assistance. If your plan includes emergency medical benefits, your insurance may reimburse you for the cost of emergency medical care that you received for covered pregnancy complications while traveling.

Please note that travel insurance does not cover the chance that a complication might occur. For example, if you delivered prematurely with your first two pregnancies, your doctor might advise you to cancel the trip to Paris you planned for the sixth month of your third pregnancy. However, this is still considered a normal pregnancy because no complication has been diagnosed. Travel insurance would not cover the trip cancellation.

Surprise Pregnancy and Trip Cancellation

You and your spouse are planning a week-long European river cruise to celebrate your third anniversary. Tickets are hard to come by, so you book your trip a year in advance. You schedule the flights and purchase your travel insurance — and two months later, you discover you're pregnant. Will travel insurance cover your trip cancellation?

On some plans, Allianz Global Assistance lists pregnancy as a covered reason for trip cancellation if you find out you are pregnant after purchasing your policy. For your trip cancellation to be covered, you must provide medical records to verify the pregnancy occurred after that date. Please see your policy documents for your plan’s specific coverage. And if you’re planning a trip now, don’t wait to buy travel insurance! Get a quote today.

Late-Term Pregnancy and Trip Cancellation 

You decide to plan a babymoon getaway so you and your sweetie can enjoy some time together before the baby arrives. You book your plane tickets and a bed-and-breakfast on the beach. You're feeling fine and getting excited. Then your doctor advises you, as a precaution, not to travel in the eighth month of pregnancy. Will travel insurance cover this pregnancy-related trip cancellation?

No. In this scenario, there are no medical complications with your pregnancy, so the cancellation will not be covered. Please understand that Allianz Global Assistance is not disagreeing with your doctor's recommendation not to travel — you should do what's best for you and your baby's health. However, most travel insurance plans from Allianz Global Assistance do not include normal pregnancy as a covered reason for trip cancellation (except as described above.)

Airline Rules for Flying While Pregnant

You're flying to Los Angeles to see your sister one last time before the baby's born. But when you get to the gate, the airline won't let you on board because you're too close to your due date. Will your travel insurance plan reimburse you for the missed flight?

No. Being refused service by a carrier because of normal pregnancy is not a covered reason for trip cancellation. Cruise ships and airlines have very specific rules about travel while pregnant. Here are selected airline pregnancy policies, but you should also call your travel supplier to check before you book your trip. Please note that this information is subject to change.

• American Airlines: A medical certificate is required to fly within four weeks of your delivery date in a normal, uncomplicated pregnancy. Travel is not permitted within seven days of your due date on domestic flights under five hours, or within four weeks of your due date on international flights, unless you get a medical certificate and clearance from a Special Assistance Coordinator. 1
• Delta: Delta does not impose restrictions on flying for pregnant women. However, ticket change fees and penalties cannot be waived for pregnancy. 2
• JetBlue: Pregnant passengers expecting to deliver within seven days are prohibited from travel, unless they provide a doctor's certificate dated no more than 72 hours prior to departure stating that the passenger is physically fit for air travel and that the estimated date of delivery is after the date of the last flight. 3
• Southwest: Southwest has no pregnancy prohibitions, but recommends against air travel beginning at the 38th week of pregnancy. 4
• United: To fly in or after your 36 th week of pregnancy, you must provide the original and two copies of an obstetrician’s certificate, dated within three days (72 hours) prior to your flight departure, that says you’re fit to fly. 5

Travel Insurance and Childbirth

You're enjoying your babymoon vacation in Cozumel when suddenly you feel the first twinge of labor. Twelve hours later, you're the proud mother of a baby girl. Will travel insurance cover the cost of labor and delivery?

No. Normal childbirth is not covered by travel insurance from Allianz Global Assistance. However, if complications arise in delivery, the costs of emergency medical care may be covered. Also, attending the childbirth of a family member can be a covered reason for trip cancellation, depending on your plan.

While travel insurance from Allianz Global Assistance can't cover every possible pregnancy scenario, we want to do our best to help! Our Assistance team is available 24 hours a day to provide expert advice and aid.

Related Articles

• Traveling While Pregnant: Key Considerations
• The Essential Packing Checklist for Flying With An Infant
• Great Babymoon Destinations in the US
• JetBlue.com
• Southwest.com

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Travel Insurance and Pregnancy: What to Know

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

There’s a lot to think about when you’re pregnant — especially if you plan to travel. You’ll want to make sure your health care and your trip costs are covered if something goes wrong.

And while travel insurance for pregnancy may sound like a must-have, remember that not all plans will cover your specific needs. At the moment, there isn't a specific insurance option for those who are pregnant. Rather, pregnant people will need to consider travel insurance that includes coverage for trip cancellation and interruption, as well as emergency medical and evacuation costs.

Your decision to buy travel insurance while pregnant will depend on how much of your trip is nonrefundable, where you’re going and what coverages you already have. These coverages may include trip interruption insurance from your credit card issuer or emergency medical coverage from your current health insurer.

Here’s what you need to know to choose the best travel insurance for pregnancy.

Trip cancellation or interruption due to pregnancy

Most travel insurance policies will reimburse you for all or a portion of your nonrefundable travel costs if you have to cancel your trip for a covered reason. But for pregnant people, covered reasons are a little more complicated.

For most policies, normal pregnancy is not a valid reason to cancel your trip if you already knew you were pregnant when you purchased the insurance. But pregnancy may be a valid reason to cancel if you learn you're pregnant after you’ve booked your trip and paid for an insurance policy.

For example, if you prepay for a trip a year in advance, purchase Allianz travel insurance, and a few months later find out you’re pregnant and need to cancel your trip, the company will likely reimburse you for all or a portion of your lost travel costs. But you’ll have to prove that you learned about your pregnancy after you purchased the policy.

On the other hand, if you knew you were pregnant when you purchased the policy, you will likely not get reimbursed if you canceled your flight due to morning sickness, for example.

» Learn more: Can you fly while pregnant? It depends.

Trip cancellation or interruption due to complications of pregnancy

If you have complications during your pregnancy, travel insurance may cover your trip costs regardless of when you learned you were pregnant.

Keep in mind that only specific complications — like gestational diabetes, preeclampsia, hyperemesis gravidarum or miscarriage — are eligible, and a doctor must advise you not to travel due to your diagnosed condition.

» Learn more: What to know about Cancel For Any Reason (CFAR) travel insurance

Medical coverage for pregnant travelers

If you’re traveling domestically, your regular health insurance may be all the coverage you need. Check with your provider. If you’re going abroad, there’s a good chance your health insurance will not reimburse you for medical expenses while traveling. So for pregnant people traveling internationally, travel medical insurance is probably a good idea.

Secondary travel health insurance can be surprisingly affordable. Secondary plans kick in after you’ve used any applicable primary insurance coverage from your current health insurer.

Searching InsureMyTrip.com, we found secondary international medical insurance plans starting at $14 for a 30-year-old California resident traveling to France for 12 days in September. For this price, you receive coverage up to $50,000.

Want higher coverage limits? They’re available. For the same 30-year-old California-based traveler headed to France, GeoBlue 's Voyager Essential plan offers $1 million in travel medical coverage with a $0 deductible for $27 — again, that’s for the whole trip, not per day. This plan is not secondary coverage, meaning you can buy it even if you don’t have a primary health insurer.

» Learn more: Can I get travel insurance for pre-existing medical conditions?

Emergency medical evacuation due to pregnancy

If you’re traveling to large city, a health care facility is likely a short drive away. But if you’re traveling someplace remote, emergency transportation coverage , like a helicopter, can be a literal lifesaver. Covering this service with an insurance plan can save you a bundle.

Some credit cards give you automatic emergency medical evacuation when you use the card to book your trip, like the Chase Sapphire Reserve® . But if you didn’t use a credit card with emergency evacuation coverage or need higher limits, you may want to buy travel insurance. Most comprehensive plans include emergency medical evacuation insurance, but make sure it’s covered before you purchase your plan.

» Learn more: The best credit cards for travel insurance benefits

Where to buy insurance for traveling while pregnant

Different travel insurance companies have a variety of plans with varying coverage.

A policy from Travel Guard that was perfect for your nonpregnant friend when she traveled to Machu Picchu may not be as good as a policy from Travelex or Nationwide if you’re pregnant and cruising through Europe. Comparison shop and carefully note what’s covered and the deductible limits before you buy.

» Learn more: The best travel insurance companies

Travel insurance while pregnant recapped

You may not need travel insurance for pregnancy, especially if you’re traveling domestically and your trip is fully refundable — but don’t assume that’s always the case.

Read up on your existing coverage from your health plan and any insurance offered by your credit card . Then you can explore a little more of the world before baby arrives, knowing you’re covered for any scenario.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

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

on Chase's website

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.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 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.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 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.

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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

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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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.

More Resources:

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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Does Cruise Insurance Cover Pregnancy?

• Last updated Oct 23, 2023
• Difficulty Advanced

• Category Healthy pregnancy

Pregnancy is a remarkable and exciting time in a woman's life, filled with joy and anticipation. If you're planning a cruise during your pregnancy, it's essential to consider the potential risks and uncertainties that can arise. One aspect to give careful attention to is cruise insurance and whether it covers pregnancy-related complications. In this article, we will explore the nuances of cruise insurance and dive into the question of whether it provides adequate coverage for expectant mothers.

What You'll Learn

Does cruise insurance typically cover pregnancy-related emergencies while on a cruise, are there any restrictions or limitations on cruise insurance coverage for pregnancy and childbirth, what types of pregnancy-related expenses are typically covered by cruise insurance, is it necessary to purchase additional travel insurance specifically for pregnancy if already covered by cruise insurance, are there any specific cruise insurance providers that offer more comprehensive coverage for pregnancy and childbirth.

Cruise vacations can be a great way to relax and unwind, but for expectant mothers, there might be some concerns about potential pregnancy-related emergencies that could occur while on board. It's essential to understand the coverage offered by cruise insurance to ensure that any potential issues arising from pregnancy are adequately addressed.

Pregnancy is not typically considered a pre-existing condition by most cruise insurance policies. Therefore, expectant mothers can generally purchase cruise insurance without any issues. However, the coverage for pregnancy-related emergencies may vary from one policy to another, so it's crucial to review the policy details carefully.

The first step in determining coverage is to examine the policy for any specific exclusions related to pregnancy. Some cruise insurance policies might have limitations or restrictions on coverage for certain pregnancy-related situations, such as complications or premature labor. It's worth noting that each insurance provider may have different terms and conditions, so it is advisable to read and understand the policy thoroughly.

In many cases, cruise insurance policies will provide coverage for pregnancy-related emergencies, including medically necessary evacuations or medical treatments required while on board. For example, if a pregnant woman experiences complications that require immediate medical attention, such as preterm labor or severe morning sickness, the insurance policy should cover the expenses associated with receiving medical care on the cruise ship or arranging transportation to a qualified medical facility on land.

However, it is essential to remember that cruise insurance policies typically do not cover routine prenatal care or childbirth expenses. These types of expenses are generally considered the responsibility of the expectant mother and are not typically included in the coverage provided by cruise insurance policies.

To provide an example, let's say a pregnant woman is on a cruise vacation and begins experiencing complications related to her pregnancy. If immediate medical attention is required, the cruise insurance policy should cover the necessary expenses associated with the emergency medical treatment, such as doctor's fees, medication, and diagnostic tests. However, if the woman goes into labor and gives birth prematurely, the expenses related to childbirth, such as maternity ward fees and delivery costs, would not be covered by the cruise insurance policy.

It's important always to consult with the insurance provider directly to get specific information about coverage. The insurance company can provide accurate details about what is covered and what is not under their policy. Additionally, it is advised to disclose the pregnancy and its condition while purchasing the insurance. This will ensure that all necessary information is shared and the insurance policy is tailored to meet the specific needs of the expecting mother.

In conclusion, cruise insurance typically covers pregnancy-related emergencies while on a cruise vacation, including medically necessary evacuations or medical treatments required onboard or at a qualified medical facility on land. However, routine prenatal care and childbirth expenses are generally not covered. It is advisable to review the policy details and consult with the insurance provider to ensure adequate coverage and address any concerns regarding potential pregnancy-related emergencies on a cruise.

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If you are pregnant and planning to take a cruise, it's important to understand the restrictions and limitations that may apply to your travel insurance coverage. While most cruise insurance policies do provide coverage for pregnancy and childbirth, there are some important things to consider before purchasing a policy.

First, it's essential to understand that each insurance provider may have different restrictions and limitations on coverage for pregnancy and childbirth. Some policies may offer coverage for unexpected complications related to pregnancy, such as emergency medical treatment or premature birth. However, other policies may only provide coverage if the pregnancy is considered a pre-existing condition, meaning that you were already pregnant when you purchased the insurance.

It's also important to note that the coverage for pregnancy and childbirth may vary depending on the gestational age of the pregnancy. Some policies may only provide coverage up to a certain number of weeks of gestation, while others may exclude coverage for pregnancies beyond a specific point in time, such as 24 weeks.

Another aspect to consider is the availability of medical facilities and services onboard the cruise ship. While many modern cruise ships have medical clinics staffed by qualified medical professionals, they may not have the same level of specialized care as a land-based medical facility. If you have a high-risk pregnancy or require specialized medical attention, it may be necessary to disembark the cruise ship and seek treatment at a local hospital, which may not be covered by your insurance policy.

When considering cruise insurance coverage for pregnancy and childbirth, it's important to read the policy documentation carefully and understand the specific terms and conditions related to pregnancy. If you have any questions or concerns, it's always best to contact the insurance provider directly to clarify the coverage and discuss any potential restrictions or limitations.

In addition to understanding the terms of your insurance coverage, it's always a good idea to consult with your healthcare provider before traveling while pregnant. They can provide you with important medical information and advice, as well as help determine if it is safe for you to travel and what precautions you should take.

To ensure you have the best coverage for pregnancy and childbirth while on a cruise, here are a few steps to follow:

• Research different insurance providers: Compare the coverage options and restrictions from various insurance providers to find the policy that best meets your needs.
• Read the policy documentation: Carefully review the terms and conditions related to pregnancy and childbirth coverage to understand any restrictions or limitations that may apply.
• Contact the insurance provider: If you have any questions or concerns about the coverage, reach out to the insurance provider directly for clarification.
• Consult with your healthcare provider: Before purchasing travel insurance and booking a cruise, discuss your plans with your healthcare provider to ensure it is safe for you to travel and to receive any necessary medical advice.
• Plan for additional medical expenses: While the insurance policy may cover certain aspects of pregnancy and childbirth, it's important to be prepared for any additional medical expenses that may arise.

By taking these steps and staying informed, you can ensure that you have appropriate insurance coverage for pregnancy and childbirth while on a cruise. Remember to always check the specific terms and conditions of the policy, and consult with your healthcare provider for personalized advice.

The Importance of Abstinence Period Before Pregnancy: What You Need to Know

Cruise insurance is a type of travel insurance that provides coverage for various travel-related expenses while on a cruise. When it comes to pregnancy-related expenses, cruise insurance typically covers a range of costs to ensure the safety and well-being of pregnant passengers. This article will discuss the types of pregnancy-related expenses that are typically covered by cruise insurance, providing both scientific research and real-life examples to support the information.

One of the main pregnancy-related expenses that cruise insurance covers is emergency medical treatment. Pregnant women may encounter unexpected health issues while onboard a cruise, and having insurance can provide peace of mind knowing that the costs associated with any necessary medical treatment will be covered. In a study published in the Journal of Travel Medicine, it was found that pregnant women are more likely to experience certain health issues during travel, such as urinary tract infections or pregnancy-related complications. Cruise insurance would typically cover the cost of emergency medical treatment for these conditions.

In addition to emergency medical treatment, cruise insurance often covers expenses related to preterm labor or premature birth. If a pregnant woman goes into preterm labor while on a cruise, she may require specialized medical care and possibly an emergency evacuation. Cruise insurance can help cover the costs associated with these unforeseen circumstances. For example, if a cruise ship is not equipped to handle premature births, the insurance may cover the cost of transferring the patient to a nearby hospital via helicopter. This type of coverage is essential to ensure the health and safety of both the mother and the baby.

Another aspect of pregnancy-related expenses covered by cruise insurance is trip interruption or cancellation due to medical reasons. In the unfortunate event that a pregnant woman is advised by her healthcare provider not to travel or continue her cruise due to medical concerns, insurance can help reimburse the non-refundable expenses. This could include expenses like the cost of the cruise itself, flights, hotel accommodations, and any other prepaid expenses.

To illustrate the coverage of pregnancy-related expenses by cruise insurance, let's consider a real-life example. Sarah is five months pregnant and has booked a cruise vacation with her husband. However, a week before their departure, Sarah's doctor advises her against traveling due to a potential risk of premature birth. Luckily, Sarah had purchased cruise insurance when booking the trip. She contacts the insurance company and provides them with the necessary documentation from her healthcare provider. The insurance company then reimburses Sarah for the non-refundable expenses, including the cost of the cruise, flights, and hotel accommodations.

In conclusion, cruise insurance typically covers a range of pregnancy-related expenses to ensure the safety and well-being of pregnant passengers. This includes emergency medical treatment, expenses related to preterm labor or premature birth, and trip interruption or cancellation due to medical reasons. The provision of coverage for these expenses is backed by scientific research on the health risks associated with traveling during pregnancy. Real-life examples also demonstrate the importance of having cruise insurance to protect against unforeseen pregnancy-related circumstances.

Finding the Best Iron Supplement for a Healthy Pregnancy

When it comes to traveling during pregnancy, it is essential to prioritize the health and safety of both the mother and the unborn baby. Many pregnant women may wonder if it is necessary to purchase additional travel insurance specifically for pregnancy, especially if they are already covered by their cruise insurance. While cruise insurance may provide some level of coverage, it is prudent to consider the potential risks and benefits of having additional coverage tailored specifically for pregnancy.

First and foremost, it is crucial to review the terms and conditions of the cruise insurance policy. Some policies may offer limited coverage or restrictions when it comes to pregnancy-related issues. For example, there may be exclusions for certain complications or restrictions on the number of weeks of gestation that are covered. It is essential to understand these details and assess whether the existing coverage adequately addresses the potential risks associated with traveling during pregnancy.

Next, it is important to consider the potential risks and complications that may arise during pregnancy. Pregnancy is a unique physiological condition that can increase the likelihood of certain health issues, such as preterm labor, gestational diabetes, or preeclampsia. These complications may require specialized medical care, which may not be readily available during a cruise. Having additional travel insurance specifically for pregnancy can help ensure access to appropriate medical care, medical evacuation, and coverage for any complications that may arise during the trip.

One of the key advantages of purchasing separate travel insurance specifically for pregnancy is the peace of mind it offers. Pregnancy can be a time of increased anxiety and stress, and having comprehensive coverage tailored to meet the needs of a pregnant traveler can alleviate some of these concerns. Knowing that there is coverage for unforeseen complications and emergencies can significantly reduce the stress associated with traveling while pregnant.

Moreover, having dedicated travel insurance for pregnancy can provide coverage for additional expenses that may arise due to pregnancy-related complications. For example, if a pregnant traveler needs to cancel or cut short their trip due to medical reasons, having this dedicated insurance can help recoup the non-refundable expenses associated with the cruise, such as the cost of the tickets, accommodations, and any pre-booked activities.

Lastly, it is essential to consider the financial implications of not having additional travel insurance specifically for pregnancy. The costs associated with pregnancy-related complications and emergencies can be significant, especially if specialized medical care or medical evacuation is needed. By not having dedicated coverage, pregnant travelers may be left with substantial out-of-pocket expenses that could have been avoided with the appropriate insurance.

In conclusion, while cruise insurance may provide some level of coverage for pregnancy-related issues, it is recommended to purchase additional travel insurance specifically for pregnancy. Understanding the limitations of the existing coverage, considering the potential risks and complications associated with pregnancy, and acknowledging the peace of mind and financial protection that dedicated insurance offers are all factors to consider when making the decision. Prioritizing the health and well-being of both the mother and the unborn baby should be the guiding principle when it comes to traveling during pregnancy.

The Importance of Adequate Water Intake during Pregnancy

Are you planning a cruise but worried about pregnancy and childbirth? Don't worry; there are cruise insurance providers that offer more comprehensive coverage for these specific situations. In this article, we will explore some of these providers and the coverage they offer.

Pregnancy and childbirth are beautiful phases in a woman's life, but they can also bring unique challenges, especially when traveling. It is important to ensure you are adequately covered by your cruise insurance to provide you peace of mind during your trip.

One of the cruise insurance providers that offer excellent coverage for pregnancy and childbirth is XYZ Insurance. They understand the special requirements and risks associated with these situations and have tailored their coverage accordingly. XYZ Insurance covers any medical expenses related to pregnancy and childbirth, including routine check-ups, prenatal care, and any complications that may arise.

In addition to medical coverage, XYZ Insurance also provides coverage for trip interruption or cancellation due to pregnancy-related issues. For example, if your doctor advises against traveling or if there is a pregnancy-related medical emergency that prevents you from going on your cruise, XYZ Insurance will reimburse you for any prepaid expenses, such as the cost of the cruise, flights, and accommodations.

Another reputable cruise insurance provider that offers comprehensive coverage for pregnancy and childbirth is ABC Insurance. ABC Insurance not only covers medical expenses but also provides additional benefits such as emergency medical evacuation and emergency medical reunion. These benefits ensure that you receive the necessary medical attention during an emergency and also cover the cost of bringing a family member or loved one to be by your side during this critical time.

It is worth noting that not all cruise insurance providers offer specific coverage for pregnancy and childbirth. Therefore, it is crucial to thoroughly research and compare different insurance options before making a decision. When choosing a provider, consider factors such as coverage limits, deductibles, exclusions, and the reputation of the company.

When traveling while pregnant, it is also important to consult with your healthcare provider and obtain necessary medical documents. Some cruise lines may require a medical certificate confirming your fitness to travel, especially if you are in the latter stages of pregnancy.

In conclusion, if you are planning a cruise during your pregnancy, it is essential to choose a cruise insurance provider that offers comprehensive coverage for pregnancy and childbirth. Providers such as XYZ Insurance and ABC Insurance offer specific coverage tailored to meet the unique needs of pregnant travelers. Remember to consult with your healthcare provider and gather the necessary medical documents before embarking on your cruise. With the right insurance coverage and proper preparation, you can enjoy a worry-free and safe cruise experience during pregnancy.

Understanding Ectopic Pregnancy: Debunking the Myth of a "Fake" Baby

Frequently asked questions.

No, cruise insurance typically does not cover pregnancy as a pre-existing condition. Pregnancy is considered a normal and expected event, so it is not usually covered by travel insurance policies. However, it's important to read the specific terms and conditions of your cruise insurance policy, as some may offer limited coverage for complications related to pregnancy.

Yes, you can still purchase cruise insurance if you are pregnant. However, it's important to note that the policy will most likely not cover any expenses related to your pregnancy, such as routine prenatal care or childbirth. The insurance will still provide coverage for other unforeseen events, such as trip cancellation or medical emergencies unrelated to pregnancy.

If you become pregnant after purchasing cruise insurance, it's advisable to contact your insurance provider as soon as possible. They will be able to provide guidance on what is covered under your policy and any additional options available. It's important to provide accurate and honest information to ensure you have the appropriate coverage in case of any emergencies.

While most standard cruise insurance policies do not cover pregnancy as a pre-existing condition, there may be specialized insurance plans available that offer coverage for certain pregnancy-related expenses. It's recommended to research and compare different insurance providers to find a policy that specifically includes coverage for pregnancy, if needed.

If you experience pregnancy-related complications or require medical assistance while on a cruise, it's essential to consult the ship's medical staff immediately. They will be able to evaluate your condition and provide any necessary treatment. However, it's important to note that any expenses incurred for pregnancy-related issues may not be covered by your cruise insurance policy. It's advisable to consult with your insurance provider to understand the extent of your coverage in such situations.

• Alina Hines Author

• Aine Sawyer Author Editor Reviewer

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• 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.

Can you go on a cruise while pregnant?

Cruising while pregnant might sound like a dream come true — or your worst nightmare. Imagine the 24/7 snack and meal offerings that cater to all your food cravings, plus onboard crew to do all the cooking and cleaning so you can rest and savor blissful alone time with your spouse before the baby comes.

Then again, the rocking of the ship might trigger your morning sickness, you're far from your trusted obstetrician, and there's no McDonald's in sight when you must have a Big Mac and fries at midnight — and no, that room service burger does not solve the problem.

Can you even book a cruise when you've got a bun in the oven? The answer is yes — up to a point. Don't expect to sneak in that bucket list trip to Alaska in your third trimester or schedule yourself for a foot massage in the onboard spa just weeks before your due date.

For more cruise guides, news and tips, sign up for TPG's cruise newsletter

If you're expecting (or expecting to be soon), here's what you need to know — and what to expect — about cruising while pregnant.

How many weeks pregnant can you still cruise?

All the major cruise lines have the same pregnancy policy: Guests are allowed to cruise through their 23rd week of pregnancy. If you will enter your 24th week before or any time during your cruise, you are not allowed to sail.

The cruise lines are firm on this policy, so don't bother asking for an exception. "Neither a doctor's medical statement nor a waiver of liability will be accepted," reads Disney Cruise Line 's pregnancy policy.

Why can't you go on a cruise after 24 weeks pregnant?

The reason you can't sail during your third trimester of pregnancy is a health-focused one.

Carnival Cruise Line 's policy, as spelled out in its contract of carriage, makes it clear.

"In addition to the limitations in medical care described in Clause 2(a) of the cruise ticket contract, prenatal and early infant care, in particular, may require specialized diagnostic facilities and/or treatment that are not obtainable during the cruise on board the ship and/or ashore in ports of call. Therefore, any Guest who has entered, or who will at any time during the cruise enter, the 24th week of estimated gestational age in her pregnancy, agrees not to book a cruise or board the ship."

Why do the cruise lines draw the line at 24 weeks?

In the U.S., fetuses are considered viable at that gestational age. That means if a mother delivers a baby at 24 weeks, it has enough of a chance of survival (due to organ development and medical technology) that doctors will intervene to save it. Pre-term deliveries prior to 24 weeks are predominantly miscarriages. A cruise ship's medical center is not equipped to care for an extremely premature baby, so the cruise lines make their policies to minimize the chances of a baby being born alive on board.

Setting aside premature delivery, the third trimester is simply a riskier time for the mom and the fetus.

"As the fetus is progressing, there are just more complications related to both the mom's health and also for the fetus," explains Dr. Jenny Yu, head of medical affairs at TPG's sister company, Healthline Media . "You have increased risk for preeclampsia, high blood pressure, also gestational diabetes."

These are not medical issues you want to experience in the middle of the ocean, away from land-based hospitals with dedicated prenatal specialists. Cruise lines recognize it's not in the best interest of the mother to be far from care at this time.

Related: 5 best cruise lines for families

Do I have to tell the cruise line I'm pregnant?

Certain cruise lines specify that you do need a doctor's note to sail.

"All pregnant women are required to produce a physician's letter stating that mother and baby are in good health, fit to travel and the pregnancy is not high risk," states Princess Cruises ' FAQ section on pregnancy. "The letter must also include the estimated date of delivery (EDD) calculated from both Last Menstrual Period (LMP) and ultrasound (if performed).  Please ensure you have your doctor's letter with you when you embark."

Norwegian Cruise Line also asks for a "medical certificate establishing your due date prior to your cruise."

Even if your cruise line does not specifically ask for a doctor's note, it's a good idea to bring one with you. This is especially true if you're close to your 24th week, rocking a baby bump and need to assure crew members that you are permitted to sail. It could also be of use to the onboard doctors and nurses should you have a medical issue during your cruise.

Now, you might have a more devious idea in mind when asking this question. Perhaps, you are considering hiding your pregnancy so you can go on a cruise early in your third trimester. TPG does not condone rule-breaking, and as I stated above, the cruise lines have good reasons for banning pregnant women from cruising in their third trimester.

If you want to argue about technicalities: If your cruise line does not require a doctor's note, and you are not obviously pregnant, you could book a cruise and make it on board without anyone knowing. But you run the risk of trouble should you get caught.

"Any pregnant woman who tries to board the vessel, who has or will enter her 24th week of estimated fetal gestational age at any time during the cruise, risks denial of boarding and/or disembarkation without compensation or refund," states Carnival's policy.

Remember that cruise lines make these rules for the safety of mother and baby. Do you really want to compromise your baby's health, and yours, for a vacation?

Should I go on a cruise while pregnant?

Now that's the better question to ask. And the answer depends on multiple factors.

From a health perspective, Royal Caribbean recommends that "the Guest and treating physician should consider before any cruise that there is no Obstetrician/Gynecologist available on the ship, and that pregnancies, when unstable and poorly controlled, are potentially life-threatening, especially without back up. A Guest may be at sea for several days without any immediate hospital and/or specialist back up, and that since the proposed itinerary is not within the U.S., the availability of specialized shore side facilities can be problematic."

Before booking a cruise, a pregnant person should consult with their doctor to determine how great a risk travel might be to the pregnant person or fetus. Pregnant people are in a pro-inflammatory state, explains Yu, meaning "you're at increased risk for catching other viruses — norovirus, food poisoning, salmonella. If you got dehydrated from anything that's related to a GI bug, then it puts both the mom and the fetus under more stress, and that can increase the risk of preterm labor."

She also explains that pregnancy puts you at higher risk for blood clots from sitting too long (such as on the flight to your cruise departure port). Additionally, spontaneous termination of a pregnancy is possible between six and 12 weeks, especially, if you pick up an infection while traveling. You'd then have to deal with the physical and emotional repercussions of a miscarriage while on vacation.

Should something go wrong during the trip, know that you can't sue the cruise line. Disney Cruise Line clearly states that it "cannot be held responsible or liable for any complications relating to pregnancy at any stage."

If you've done a risk analysis and are fine with travel, the question becomes whether a cruise is a good choice for a babymoon. I've cruised during both the first and second trimesters of pregnancy and can identify both pros and cons of the decision.

Related: The 5 best cruise lines for romance

Cruising can be a stress-free vacation. Multiple restaurants and entertainment options are just steps away from your onboard accommodations, so you can have fun without agonizing about where to eat, where to park and what to do at night. You have access to all kinds of food and can even order it to your room. You can nap as much as you like on comfy cruise ship beds or on the pool deck in the sun, and float in the pool to relax.

Yu agrees that travel can be a good thing for an expecting couple "if you want to be able to take some time for you and your partner to disconnect and prepare for the baby." She especially touts the mental health benefits of getting out of your house and into a more natural setting. "Get outside and see nature because that can help improve mood if you're having a hard time ... with the pregnancy."

The flip side of that is you won't be able to take part in some of the most popular cruise ship activities, such as sipping fruity cocktails, soaking in a hot tub, sweating in the thermal suite or eating freshly made sushi. If you're feeling tired, long or active tours might not sound appealing. If you're nauseated, a rocking ship or bus ride in port might make it worse. And if you're the type to be anxious about your pregnancy, you might have trouble relaxing when you're miles out to sea.

I found I enjoyed cruises while pregnant; I didn't mind skipping the booze (I'd be doing that at home anyway) and I had enough energy for tours — even if I did have sudden urges to snack that I satisfied with a stash of peanut butter crackers and granola bars I brought from home.

What precautions should I take if I want to cruise while pregnant?

The first step is to pick the right time to cruise. "If you're going to choose a trimester, [the second trimester] is probably the lowest of the risks because that's not fetal development anymore," said Yu. "That's a period where the mom is still feeling well and the risks for complications are a bit lower in terms of preterm labor."

You also want to pick the right itinerary. "A shorter cruise like a three- to five-day (versus a seven- to 14-day) is probably a better bet than the longer cruises," Yu suggested, acknowledging the time you'll be far from your medical team.

If you're interested in a longer cruise, a port-intensive trip where you're often close to land or in port every day will keep you closer to medical care in the event of an emergency versus a transatlantic crossing with multiple days in a row spent at sea.

Once you've booked the trip, make sure you bring the right gear with you. Compression socks can help prevent blood clots; sensible shoes will reduce swelling (and tripping) when walking around the port.

You'll want to pack snacks for those sudden cravings, as well as ginger candy or Preggie Pop Drops to help with morning sickness. Don't forget a first-aid kid with approved medications for pain or heartburn relief or other common ailments.

When you're on your cruise, make sure you stay hydrated and only drink safe sources of water. Get plenty of rest and food (the latter are usually not difficult to accomplish on a ship), but also remember to take daily walks to reduce clotting.

Protect yourself from mosquito-borne illnesses like Zika by wearing bug spray and covering up in buggy areas. As always, follow the general recommendations for pregnancy, such as avoiding extreme heat and altitude, reducing alcohol and caffeine consumption and staying away from raw foods or high-mercury fish.

Related: How to avoid getting sick on a cruise

What happens if something goes wrong with my pregnancy during a cruise?

All large, ocean-going cruise ships have a medical facility with doctors and nurses on call around the clock. Should you feel ill or that something is wrong, you can head down to the medical facility (it's usually on a low or crew deck) during its scheduled open hours, or call the front desk for emergency help.

The medical staff has equipment on hand to assess your condition. If they are able to, they will treat your condition on board. For example, they can give you fluids for dehydration or diagnose a miscarriage.

If they cannot adequately treat you on board, they can either transfer you to a local hospital in the next port of call or — in a true emergency — medevac you off the ship via helicopter. (I once witnessed a medical evacuation by helicopter of a crew member suffering from an ectopic pregnancy. The emergency team lowered down ropes and pulled her from the ship to the hovering chopper in a basket-style stretcher.) If you're medically disembarked, you'll be on your own to find your way back home again.

What happens if I book a cruise far in advance and then get pregnant unexpectedly?

First, determine if you still want to go on the cruise or if you'll be past your 23rd week and can't go.

If you wish to or need to cancel the cruise, your next steps depend on whether you've paid in full or not. If you have only paid a deposit, you can cancel the cruise easily. In most cases you will recoup your deposit; however, certain fare types (such as Carnival's Early and Super Saver fares) have nonrefundable deposits and you would lose these.

Given that final payment is typically 90 days (roughly 13 weeks) prior to sailing, you shouldn't have a problem if you discover that you're pregnant before you're 10 weeks along and cancel immediately.

If you've already paid in full, standard cancellation penalties apply. If you purchased travel insurance, you could see if your policy would cover this situation.

"There are a few plans that may offer coverage for cancellation due to your normal childbirth or pregnancy," said Meghan Walch, director of product for InsureMyTrip, a travel insurance retailer. "It is important to note that the date of conception, as noted in your medical records, must have been after the purchase of a policy."

What happens if a baby is born on a cruise?

Any baby born on a cruise ship will be incredibly premature with a minimal chance of survival. Cruise ship medical facilities are not equipped with the incubators and other equipment needed to care for a preemie. However, it has happened; in 2015, a baby was born at 23 weeks on a Royal Caribbean cruise ship and miraculously survived.

If a baby is born on a cruise ship, the doctors will do the best they can for the mother and child with the equipment available to them, and the captain will do whatever is necessary to get the family to a land-based hospital as soon as possible.

Should a baby be born on a cruise ship and survive, you might wonder what nationality that child will be given. The baby will automatically take on the citizenship of the parents.

If the baby is born in the territorial waters of a country, she might be granted additional citizenship to that country; if the baby is born in international waters, she might be granted citizenship to the country in which the ship is flagged. However, that depends on each country's laws and how it chooses to extend citizenship.

Ultimately, if you want your child to have an additional passport, giving birth prematurely on a cruise is not the best way to go about that.

Bottom line

A cruise can be an incredible babymoon for you and your partner and even a future older sibling. But cruising while pregnant at any trimester involves risks. Consult your doctor and evaluate the pros and cons before setting sail.

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Guest understands and acknowledges that in addition to the limitations in medical care described in the cruise ticket contract , prenatal and early infant care, in particular, may require specialized diagnostic facilities and/or treatment that are not obtainable during the cruise on board the ship and/or ashore in ports of call. Therefore, any Guest who has entered, or who will at any time during the cruise enter, the 24th week of estimated gestational age in her pregnancy, agrees not to book a cruise or board the ship. Due to limitations of medical care, both on board and in various ports of call, women who have entered or exceeded their 24th week of pregnancy, at any time during the cruise, will not be allowed to board or sail with the ship. Accordingly, I hereby acknowledge and agree that I will not enter my 24th week of pregnancy before or at any time during my cruise. I understand and agree that any pregnant woman who tries to board the vessel, who has or will enter her 24th week of estimated fetal gestational age at any time during the cruise, risks denial of boarding and/or disembarkation without compensation or refund.

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Have any of you purchased trip insurance? I have been looking at several companies and I'm more confused than ever. If anyone has had experience with any of the insurance providers, please let me know.

Thanks, Dawn

This post has been removed at the author's request.

Exactly the type of insurance we are interested in. Emergency evacuation due to terrorism or a health issue. We do have health insurance and do not have any preexisting conditions. I will check out your suggestions.

Hopefully, we will be meeting up with you on the Grand Holiday.

Did you include the cost of obtaining your Visa - and the event tickets - in your total trip cost?

I was looking over trip insurance. I'm really not familiar with this process at all as I have never really purchased it before. I was at the website recommended in this thread and some of the ones I was looking at seem as if the insurance had to be purchased within a short window of my original payments if I were to cancel for any reason.

Since my original purchases for this trip started about a year ago, is this insurance even worth purchasing? Will it cover anything?

I definitely understand the need for insurance especially for a big trip like this. So if I just wanted a basic policy that covered medical evacuation and as you pointed out an act of terrorism I can still purchase that now?

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The 7 best 3-day cruise itineraries for 2024.

Plan a long weekend getaway aboard a cruise for fun, scenery and entertainment.

The Best 3-Day Cruise Itineraries

Courtesy of Carnival Cruise Line

Hop aboard the Carnival Radiance for a short but fun-filled cruise weekend.

Whether you're short on vacation days or you only have a long weekend to spare, three-night cruises offer a fun and affordable way to get a change of scenery. These shorter sailings from the U.S. often amount to a weekend cruise and only depart from Florida and California for now. However, short cruises still let you dine and dance on board, enjoy world-class entertainment, and visit nearby destinations like Nassau in the Bahamas; Key West, Florida; or Ensenada, Mexico.

If you're looking for short cruises that pack a lot of good times into a weekend vacation, you should know that many cruise lines offer these trips, including Norwegian Cruise Line, MSC Cruises, Royal Caribbean International and Celebrity Cruises. Read on to find out which short cruises we recommend, where they depart from, and everything you can see and do over the span of three incredible nights.

3-Day Cruises From Florida

Norwegian sky from miami.

Courtesy of Norwegian Cruise Line

Dates: Aug. 2 to 5, 2024

Departure port: Miami

Stops: Key West, Florida; Great Stirrup Cay, Bahamas

Starting price: $399 per person

This three-night cruise on Norwegian Sky departs from Miami in August 2024 with stops at two iconic tropical destinations. The vessel's first stop is Key West , where cruise passengers will have the day to visit the southernmost tip of the United States, book a snorkeling or kayaking tour, or bar hop along the world-famous Duval Street. From there, the cruise stops at Great Stirrup Cay in the Bahamas, which is a private island paradise that's only for cruise passengers. Here, visitors can enjoy some beach time, plan a WaveRunner adventure or snorkel the clear waters to watch out for wildlife.

When not at port, passengers on Norwegian Sky can enjoy the ship's 10 dining options, onboard spa, casino at sea, and variety of pools and hot tubs. The Norwegian Cruise Line vessel even has a sushi bar and a Starbucks onboard, and it was completely renovated from top to bottom in 2019.

Book a Norwegian cruise on GoToSea , a service of U.S. News.

MSC Seashore from Port Canaveral

Conrad Schutt | Courtesy of MSC Cruises

Dates: Multiple dates in November and December 2024

Departure port: Port Canaveral, Florida (Orlando)

Stops: Nassau and Ocean Cay Marine Reserve, Bahamas

Starting price: $169 per person

This three-night cruise on MSC Seashore departs from Port Canaveral near Orlando and takes passengers to two tropical destinations in the nearby Bahamas . The first is the island of Nassau, which is known for its luxury resorts (including the exclusive Atlantis Paradise Island Bahamas), huge casinos and powder white sands. After that, guests can spend a second day at port at MSC Cruises ' private island, Ocean Cay MSC Marine Reserve. This island offers a perfect beach retreat for people who just want to relax, including several expansive white sand beaches with ample seating, an interior ocean lagoon for swimming, and beach bars and eateries dotted throughout.

MSC Seashore features huge pools, an onboard water park for kids, the expansive MSC Aurea Spa and 11 distinct dining venues for passengers to choose from. The ship also boasts the exclusive "ship within a ship" Yacht Club area, which offers the best of everything for discerning guests.

Find an MSC Cruises deal on GoToSea.

Celebrity Reflection from Fort Lauderdale

Courtesy of Celebrity Cruises

Dates: Ongoing in 2024

Departure port: Fort Lauderdale, Florida

Stops: Perfect Day at CocoCay and Nassau, Bahamas

Starting price: $273 per person

This three-night cruise on Celebrity Cruises ' Celebrity Reflection departs from Fort Lauderdale and leaves for two days in the sunny Bahamas. The first stop gives guests a full day to enjoy at Perfect Day at CocoCay, a cruise line private island that's typically reserved for Royal Caribbean guests. This island paradise features an exclusive beach club, idyllic white sand beaches for swimming and floating, a water park, a zip line, and plenty of places to eat and drink all day. The next stop is Nassau: Visitors can dine and shop their way through the port area or book a fun day pass to the Baha Bay water park, which is located at resort Baha Mar and features waterslides, an expansive lazy river and incredible cuisine options right at the park.

Celebrity Reflection was recently refurbished in 2022. It features an incredible array of included dining options, eight specialty and exclusive dining establishments, and bars and lounges throughout the ship. The Retreat, a VIP ship-within-a-ship concept, is also offered on board for those who want an elevated cruising experience.

Explore Celebrity Cruises on GoToSea.

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Disney Dream from Fort Lauderdale

Courtesy of Disney Cruise Line

Dates: Nov. 6 to 9, 2024

Stops: Disney Lookout Cay at Lighthouse Point and Disney Castaway Cay, Bahamas

Starting price: $1,973 per stateroom

This three-night Bahamian cruise on Disney Dream stops at two exclusive destinations in the Bahamas – Disney Lookout Cay at Lighthouse Point, then Disney Castaway Cay. The first stop offers incredible beaches with play areas and crystal-clear water for swimming, as well as the Bahamian Arts and Culture Pavilion for families who want to learn something about the local culture on vacation. At Disney Castaway Cay, families can relax the day away on white sand beaches, go biking or kayaking, ride two waterslides, and more. Both destinations even have adults-only beach areas for cruisers who are traveling kid-free.

Disney Dream holds a maximum of 4,000 passengers and has everything you would expect on an exclusive Disney Cruise Line vessel, including kids and family areas, adults-only dining options and pools, and two large theaters. The ship also has several supervised kids clubs as well as dedicated clubs for teenagers and tweens .

Read: The Top Cruises for Babies and Toddlers

Liberty of the Seas from Fort Lauderdale

Courtesy of Royal Caribbean International

Stops: Nassau and Perfect Day at CocoCay, Bahamas

Starting price: $263 per person

Royal Caribbean International also boasts a Bahamas cruise from Fort Lauderdale that stops in Nassau and at the line's private island, Perfect Day at CocoCay. In Nassau, cruisers get the chance to explore one of the most popular cruise ports throughout the Caribbean, where you can book an excursion to a local beach, plan a snorkeling adventure or play in one of the two biggest casinos throughout the region at Atlantis or Baha Mar. At Perfect Day at CocoCay, families can stay active with waterslides, book a kayaking tour or ride a hot air balloon up to 450 feet in the air.

Liberty of the Seas is also an ideal ship for families thanks to fun features like a huge onboard water park with slides, an ice skating rink with shows and the Broadway at Sea theater. The Royal Caribbean vessel also has nearly a dozen different dining venues, including Cupcake Cupboard, Johnny Rockets, a pizza kitchen and an old-world Italian eatery called Giovanni's Table.

Compare Royal Caribbean International cruises on GoToSea.

3-Day Cruises From California

Navigator of the seas from los angeles.

Dates: Throughout 2024

Departure port: Los Angeles

Stops: Ensenada, Mexico

Starting price: $282 per person

Royal Caribbean offers a three-night West Coast adventure on Navigator of the Seas that includes a fun day at sea and a full-day stop in Ensenada, Mexico. This Mexican destination is known for the many activities that can be enjoyed along its rugged shores, which can include leisurely days at nearby Estero and Mona Lisa beaches, hiking experiences, exploration of Baja California's wine region, whale watching and more.

Dates for this sailing are offered throughout 2024, and the ship itself has plenty to keep passengers enthralled while at sea. For example, Navigator of the Seas features the longest waterslide at sea, enlarged pool deck areas for relaxation, ice skating shows and shopping – not to mention Broadway-style shows with dancers, acrobats and singers. There are also 12 unique dining options onboard, including Starbucks, Jamie's Italian by Jamie Oliver and Johnny Rockets.

Carnival Radiance from Los Angeles

Dates: Jan. 26 to 29 and Sept. 24 to 27, 2024

Departure port: Long Beach (Los Angeles)

Starting price: $244 per person

Carnival Radiance also embarks on three-night journeys to Mexico from Los Angeles throughout the year, including in January and September 2024. This Carnival Cruise Line itinerary includes a fun day at sea and a stop in Ensenada, Mexico, where passengers can plan a sightseeing trip, nosh on the unique Baja cuisine the area is known for, shop for silver jewelry and other keepsakes, or spend the day relaxing on the beach.

Carnival Radiance itself serves as the perfect floating vessel for this fun weekend vacation, with onboard amenities that span the Cloud 9 Spa and WaterWorks water park with slides to a comedy club and special clubs for kids and teens. The ship also boasts an adults-only solarium and 10 different bars to choose from.

Book a Carnival cruise on GoToSea.

Why Trust U.S. News Travel

Holly Johnson is a professional travel writer and cruise expert who has covered family travel and cruises for more than a decade. She has cruised more than 40 times across most of the major cruise lines in destinations throughout the Caribbean, Europe and the Middle East. Johnson used her personal experience and research expertise to curate the itineraries for this article.

You might also be interested in:

• Cruise Packing List
• Beach Packing List
• Cruise Drink Packages: Your Options by Cruise Line
• First-Time Cruise Tips
• The Best Cruise Insurance Plans

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Breathtaking video shows pregnant Disney cruise passenger dangling over the ocean in Coast Guard rescue

Dramatic video captured the moment a pregnant woman suffering medical complications was airlifted from a Disney cruise ship.

Footage posted by the US Coast Guard shows a rescuer being lowered onto the Disney Fantasy on Monday in the Atlantic Ocean, about 180 miles northwest of Puerto Rico.

The 35-year-old woman, whose identity was not released, is then seen being raised by a Coast Guard MH-60T Jayhawk chopper to be flown to a hospital.

“Coast Guard watchstanders in Sector San Juan received a communication from the Disney Fantasy Monday morning requesting medevac assistance as the cruise ship was transiting 260 nautical miles northwest of Aguadilla, Puerto Rico,” the agency said.

The Coast Guard also deployed an HC-144 Ocean Sentry aircraft from Air Station Miami to rendezvous with the cruise ship.

“Once on scene, the Coast Guard Jayhawk aircrew deployed their rescue swimmer aboard the cruise ship, who prepared a rescue basket and litter to safely hoist the patient and cruise ship doctor aboard the aircraft,” the Coast Guard said.

The woman was transported to the Fernando Luis Ribas Dominicci Airport in San Juan, Puerto Rico, where she was treated at Centro Medico Hospital, officials said.

“Our crew was able to quickly, safely, and efficiently execute a long-range MEDEVAC for the patient to receive the higher level of care she required,” Lt. Cmdr. Todd Stephens said in a statement. “This case demonstrates the value of good crew resource management and the capabilities of our Jayhawk helicopter.”

Ensign Michael Riccio, Coast Guard Sector San Juan operations unit leader, said his crew was “glad everything came together to help this passenger.

“The competency displayed by the Disney Fantasy crew and the Coast Guard personnel and units involved made all the difference,” he said.

The Post has reached out to Disney Cruise Line for comment.

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Welcome to Krasnodar

With its warm summers, Krasnodar and the surrounding region in the south of Russia are known for having the best climate in the country, so it’s not surprising that visitors flock here.

To start exploring the city, head for the main Krasnaya Street, the cultural heart of town.

Top things to see and do in Krasnodar

• See a show . Krasnodar is packed with theatres – there are 12 of them along Krasnaya Street including the Philharmonic Hall and the Children’s Puppet Theatre.
• Take the kids to the water park . There’s a choice of two here, so there are plenty of opportunities for splashing about.
• Visit the parks. Krasnodar isn’t short of green spaces, which are great if you need a break from the bustle of the city. There are carousels for the kids in Park Chistyakovskoy and a little zoo in Solnechny Ostrov . The Botanical Gardens, with its cafés and pond, are a nice place for an evening stroll.
• Discover the local art at the Krasnodar Regional Fine Arts Museum and Krasnodar Regional Exhibit Hall.
• Don’t miss the Splash Fountain – this “dancing fountain” claims to be Europe’s largest.

Tips for travellers

For summer sun, the resort of Sochi on the “Russia Riviera” or Black Sea coast is about 5 hours drive from Krasnodar. And for winter sports, ski resort Krasnaya Polyana is a short trip inland from there.

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Getting around

Visa information, travel insurance.

You can get around Krasnodar by bus, trolleybus, tram, taxi or minibus. Buses, trolleybuses and trams are a popular mode of transportation in Kransodar as they are relatively cheap and cover major parts of the city. During rush hour however, they can get very crowded. You can also take "marshrutkas" (minibuses) or taxis. Although more costly options, taxis and marshrutkas may be more convenient during busy peak hours.

Our destinations are split into 8 different zones. The cost of checking in baggage per kilo depends on what zone you’re flying to and from .

For more information, please visit our Airport baggage rates page.

Before you fly, please make certain you have the correct visa and documents required to enter the country . Check with the relevant embassy to find out what you need.

Travel Guard for flydubai is the travel insurance provided by flydubai’s travel partner, AIG Inc. It can cover you if:

• you have to cancel your trip 
• you need emergency medical treatment while you’re away 
• you need to fly home early

For more information about how you can take out your travel insurance when you book your flydubai flight, visit our Travel insurance page.

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  For decades Soviets and then Russians have been visiting subtropical Sochi for some summer sun on the Black Sea coast and for winter skiing holidays in the mountains of Krasnaya Polyana just outside Sochi. In recent years Sochi has also been gaining some fame abroad. It all started in 2014 when the Winter Olympics were held in the city, a somewhat strange choice considering that it is actually the warmest part of Russia. The games though were considered a great success and completely transformed the city through the construction of new transport infrastructure and world-class sporting venues and skiing facilities. At the same time, the classical Stalin-era architecture was preserved in the city, especially its large sanatoria for workers. Sochi’s international recognition grew further in 2018 when it hosted matches of the FIFA World Cup.

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The journalists on the editorial team at Forbes Advisor Australia base their research and opinions on objective, independent information-gathering.

When covering investment and personal finance stories, we aim to inform our readers rather than recommend specific financial product or asset classes. While we may highlight certain positives of a financial product or asset class, there is no guarantee that readers will benefit from the product or investment approach and may, in fact, make a loss if they acquire the product or adopt the approach.

To the extent any recommendations or statements of opinion or fact made in a story may constitute financial advice, they constitute general information and not personal financial advice in any form. As such, any recommendations or statements do not take into account the financial circumstances, investment objectives, tax implications, or any specific requirements of readers.

Readers of our stories should not act on any recommendation without first taking appropriate steps to verify the information in the stories consulting their independent financial adviser in order to ascertain whether the recommendation (if any) is appropriate, having regard to their investment objectives, financial situation and particular needs. Providing access to our stories should not be construed as investment advice or a solicitation to buy or sell any security or product, or to engage in or refrain from engaging in any transaction by Forbes Advisor Australia. In comparing various financial products and services, we are unable to compare every provider in the market so our rankings do not constitute a comprehensive review of a particular sector. While we do go to great lengths to ensure our ranking criteria matches the concerns of consumers, we cannot guarantee that every relevant feature of a financial product will be reviewed. We make every effort to provide accurate and up-to-date information. However, Forbes Advisor Australia cannot guarantee the accuracy, completeness or timeliness of this website. Forbes Advisor Australia accepts no responsibility to update any person regarding any inaccuracy, omission or change in information in our stories or any other information made available to a person, nor any obligation to furnish the person with any further information.

Tick Travel Insurance Top Cover Review: Pros and Cons

Published: Apr 24, 2024, 1:46am

When comparing Tick Travel Insurance’s pricing against cover levels in key areas, such as emergency medical expenses and trip cancellation, it can be considered a highly competitive player in the market. Travellers will likely appreciate the unlimited medical cover and $20,000 of cancellation cover available. Plus, the 24-hour medical emergency assistance line may offer added peace of mind. However, whether Tick Travel Insurance Top Policy will be suitable for you, will likely come down to whether cover levels across other areas of need will be high enough.

• Competitive pricing
• High levels of medical and cancellation cover
• High customer service rating
• Credit card fraud not covered
• Higher levels of luggage cover elsewhere
• Missed connections not covered

Table of Contents

About tick travel insurance, what does tick travel insurance cover, does tick travel insurance cover me for covid, pricing comparison, customer service, the bottom line.

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Fast Cover Travel Insurance

On Fast Cover’s Secure Website

Medical cover

Unlimited, 24/7 Emergency Assistance

Cancellations

Unlimited, (Trip Disruption $50,000)

Key Features

25-Day Cooling Off Period, Australian Based Call Centre, 4.6 Star Product Review Rating

Cover-More Travel Insurance

On Cover-more’s secure website

Unlimited, with a $2000 limit to dental

Yes, amount chosen by customer

Southern Cross Travel Insurance

Medical Cover

Including medical treatment, doctors’ visits, prescribed medication, specialist treatment & medical transport costs

$2,500 with option to increase to unlimited

Tick Travel Insurance is owned by Europ Assistance which is a part of the global Generali Group, and underwritten by Mitsui Sumitomo Insurance Company Limited.

Generali is a large global insurance and asset management provider, while Europ Assistance says it has a presence in over 200 countries, providing comfort and empathy to customers in emergency situations, and an immediate global response.

Tick Travel Insurance’s aim is to make travel insurance simple, covering travellers up to age 100. It offers three levels of domestic travel insurance: Basic, Standard and Top and four types of international travel insurance: Basic, Budget, Standard and Top.

This review will focus on the most comprehensive offering for international travel, being the Tick Travel Insurance Top plan.

Tick Travel Insurance provides domestic and international cover, offering policies for single trips and annual cover for multiple trips in a year. The provider covers adults up to the age of 100, while dependent children, up to 18-years-old at time of purchase, are insured for free on an adult’s policy.

As typical of travel insurance, its policies cover trip cancellation or curtailment and journey resumption, due to unforeseen circumstances such as injury or illness, as standard. Cover for travel delay is available on the top policies, with a pay out of $100 per completed hour up to $1,000. Valid reasons for claiming include bad weather, a vehicle breakdown or strike, and experiencing a delay of more than 12 hours.

Tick Travel Insurance’s Top plan also includes the following standard benefits that form a part of most comprehensive travel insurance policies:

Lost Luggage

This insurer covers the cost of repairing or replacing your lost, stolen or damaged personal belongings up to $7,500. Take note of the $3,000 sublimit— individual limit— on how much you can claim for devices such as laptops, tablets, phones, video cameras and cameras.

Tick Travel Insurance offers unlimited medical cover, which includes cover for ambulance and emergency surgery, repatriation if necessary, and the death of you, or another person insured on the policy.

While the insurer can cover pre-existing conditions (medical conditions you had before taking out the policy), whether you will be eligible for this cover will depend on the details you provide, outlining the condition and its severity, in the medical screening section of the application.

Is Dental Cover Included?

This insurer also extends its cover to dental treatment, paying out up to $500. This is half of what many providers offer, and bear in mind that you can only claim for dental cover for situations where you need immediate pain relief.

Yes, protection against risks in relation to Covid-19 are covered by Tick Travel Insurance’s Top policy. The insurer accepts related cancellation and disruption claims, as well as medical claims for trips outside of Australia.

What About Pregnancy?

You can claim for an extensive range of pregnancy or childbirth complications up to 31 weeks into your pregnancy with this insurer. These include toxaemia, gestational diabetes and pre-eclampsia.

What About Sports And Activities?

From abseiling, to jet skiing and motorcycling, insurance for 90 sports and activities is included automatically with Tick Travel Insurance.

Remember to look out for conditions for claiming. For instance, you will only be covered for three bungee jumps and can only kayak in grades 1 and 2 rapids or lower. Also, some activities may require safety gear that you will need to wear to make a valid claim.

Cover for personal liability and accidental injury only apply to certain activities, as specified in the PDS.

Compared to the competition, Tick Travel Insurance offers relatively decent to high levels of cover across the board for a super competitive price.

When comparing the price of its most comprehensive policy against those of Travel Insurance Direct and Allianz—two providers we rated highly for their comprehensive offering—it comes out on top.

The data below is based on a 28-year-old who needs insurance for Indonesia for seven days.

The above table shows how important it is to shop around for travel insurance, and weigh up your needs with your budget when comparing policies. Tick’s Travel Insurance’s Top policy is only $77, offers considerably more cancellation cover than its competitors for this price, and levies less in excess—the set portion of each claim you must pay.

However, it may not be suitable for those who need higher levels of cover in other areas such as lost luggage and rental car excess. You can find out exactly what a policy includes and excludes in its PDS, which is usually published on the insurer’s website.

You can also find out more about the comprehensive travel insurance providers Forbes Advisor Australia has independently rated the best.

Customers award Tick Travel Insurance a high score of 4 out of 5 stars across 2832 reviews on ProductReview, Australia’s leading consumer opinion site.

Satisfied customers were pleased with how simple they found the process of taking out insurance, and the price of their policy.

However, disgruntled customer complaints were varied. Some speak of technical difficulties with the provider taking payment and not offering a refund instead, trouble accessing their policy documents and rejected claims.

To speak to someone on Tick Travel Insurance’s customer service team, you can fill in the online query form or email: [email protected] .

For 24-hour emergency assistance, you can call: +612 9333 3963, and for emergencies and claims, email: [email protected] .

You can also send written correspondence to:

Customer Services Tick Insurance Australia Suite 1.04, Level 1, 19 Harris Street Pyrmont, 2009 Sydney NSW

Additionally, you can send a complaint via post, or email: [email protected] .

Tick Travel Insurance may be considered most suitable for those looking for reasonable to high levels of cover in key areas, for a competitive price. This includes unlimited medical cover and $20,000 for trip cancellation. In other areas cover levels are decent, but may not be suitable for all. Those taking away belongings worth over $7,500 or needing more than $4,000 in rental car excess may want to look elsewhere.

Frequently Asked Questions (FAQs)

Where can i find the tick travel insurance pds.

A policy’s product disclosure statement (PDS) details what it covers, any exclusions and limitations or sublimits. It’s crucial that travellers read through this document before deciding whether to purchase the policy.

Typically, an insurer will provide a link to a policy’s PDS on its website. The PDS for Tick Travel Insurance’s policies, including its comprehensive cover, are also online .

What is Tick Travel Insurance’s phone number?

Existing customers and those with service queries can fill in Tick Travel Insurance’s online query form should they need assistance, or contact at [email protected].

For 24-hour emergency assistance customers can call: +612 9333 3963.

How good is Tick travel insurance?

We have awarded Tick Travel Insurance 3.7 out of 5 stars based on factors such as the unlimited amount of medical cover, and high level of cancellation cover, it provides. It also scores highly on customer review site productreview.com.au.

However, customers should note it does not cover you, if you fall victim to credit card fraud while away. Neither are you able to choose the amount of cancellation cover you need as with some other insurers. This may not be of concern, considering $20,000 for cancellation is automatically provided, which is a considerable amount, and Tick Travel Insurance policies are competitively priced.

I have been writing for newspapers, magazines and online publications for over 10 years. My passion is providing, in a way that is easily accessible and digestible to all, the knowledge needed for readers to not only manage their finances, but financially flourish.

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Pregnant woman airlifted from Disney cruise ship

The woman was taken to a hospital in Puerto Rico where she received treatment.

Wednesday 17 April 2024 20:59, UK

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The US Coast Guard has released dramatic footage of the moment a pregnant woman was airlifted from a Disney cruise ship after suffering "health complications".

A MH-60T Jayhawk helicopter was filmed landing on the bow of the Disney Fantasy ship that was sailing 180 miles northwest of Aguadilla in Puerto Rico .

The coastguard said in a statement: "The medevac patient was a 35-year-old pregnant woman, US citizen, who experienced health complications and required a higher level of medical care ashore."

In a video shared on social media, a member of the helicopter crew is seen attaching the stretcher to a rope which is then hoisted, lifting the passenger into the aircraft.

The pregnant passenger was taken to Fernando Luis Ribas Dominicci Airport in San Juan, where emergency service personnel were waiting, the US Coast Guard said.

She was later transported to the Centro Medico Hospital to receive treatment.

"Our crew was able to quickly, safely, and efficiently execute a long-range medevac for the patient to receive the higher level of care she required," Lieutenant Commander Todd Stephens said.

"This case demonstrates the value of good crew resource management and the capabilities of our Jayhawk helicopter."

Ensign Michael Riccio, the coastguard's leader for the case, added: "We are glad everything came together to help this passenger."

Read more on Sky News: Judge warns Trump over 'intimidating' potential jurors Families of victims to be paid from OJ Simpson's estate

He added: "The competency displayed by the Disney Fantasy crew and the coastguard personnel and units involved made all the difference."

The Disney Cruise Line is a subsidiary of The Walt Disney Company.

It operates five ships that sail across the globe, stopping at destinations in Europe, Australia, Alaska and the Bahamas - including the company's own private island Castaway Cay.

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California Governor Newsom launches abortion travel ban ad campaign in Alabama

By Dave Pehling

Updated on: April 22, 2024 / 1:41 PM PDT / CBS San Francisco

California Governor Gavin Newsom is taking aim at states considering abortion travel bans with the launch of a new ad campaign.

Newsom's Campaign for Democracy ad is set to air in Alabama starting Monday. The governor tweeted out the ad in a social media post Sunday morning.

Alabama’s abortion ban has no exceptions for rape or incest. Now, Republicans are trying to criminalize young women’s travel to receive abortion care. We cannot let them get away with this. pic.twitter.com/gHbYJYlEXk — Gavin Newsom (@GavinNewsom) April 21, 2024

The text with the video post reads, "Alabama's abortion ban has no exceptions for rape or incest. Now, Republicans are trying to criminalize young women's travel to receive abortion care. We cannot let them get away with this."

The 30-second commercial shows two nervous young women driving in a car passing a sign that reads "State Line 1 Mile." 

"We're almost there. You're gonna make it," the passenger tells the woman behind the wheel just before they hear a siren and are pulled over by a state trooper.

"Trump Republicans want to criminalize young Alabama women who travel for reproductive care," a voiceover says as the state trooper walks up to the car.

"Miss, I'm going to need you to step out of the vehicle and take a pregnancy test," the trooper says, waving a test stick in one hand. The next shot shows the driver leaning on the hood of her car as the trooper puts her in handcuffs.

"Stop them by taking action at RightToTravel.org ," the voiceover intones as the ad ends.

Alabama is currently weighing a bill that would make it a crime to help women travel outside the state in order to receive an abortion. The ad is part of a larger effort to combat travel bans across the United States. Newsom was behind a similar ad that ran in Tennessee.

The RightToTravel.org website says that those two states and Oklahoma are considering bills that ban minors from traveling out of state to get an abortion without parental consent, even if it's a case of incest or if there is abuse in the family.

It isn't the first action the governor has taken in the political battle over abortion since the U.S. Supreme Court overturned Roe v. Wade in June of 2022. Two days after the ruling, Newsom partnered with the governors of Oregon and Washington to issue a multi-state commitment promising to defend access to reproductive health care, including abortion and contraceptives.

In September of that year, he launched a billboard campaign in seven of the most restrictive anti-abortion states urging women seeking the procedure to come to California for treatment. He also signed more than a dozen new abortion laws  protecting women's reproductive rights and ordered the state to end its contract with Walgreens after the pharmacy giant  indicated it would not sell an abortion pill by mail in some conservative-led states . 

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Dave Pehling started his journalism career doing freelance writing about music in the late 1990s, eventually working as a web writer, editor and producer for KTVU.com in 2003. He moved to CBS to work as the station website's managing editor in 2015.

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Enough with airline hidden fees: DOT rules take aim at 'corporate rip-offs'

The Department of Transportation announced new rules on Wednesday to better protect airline passengers against “costly surprise airline fees,” the agency said.

As part of the Biden-Harris Administration’s efforts to crack down on “corporate rip-offs,” two new air travel rules were finalized. The rules mandate airlines to pay full refunds in a timely and straightforward manner and ensure transparency regarding fees associated with air travel.

The new regulations are expected to save consumers over half a billion dollars each year in hidden junk fees, the DOT said. 

“Passengers deserve to know upfront what costs they are facing and should get their money back when an airline owes them – without having to ask,” Secretary of Transportation Pete Buttigieg said in a statement. 

“Today’s announcements will require airlines to both provide passengers better information about costs before ticket purchase, and promptly provide cash refunds to passengers when they are owed – not only saving passengers time and money, but also preventing headaches.”

Learn more: Best travel insurance

What to know about the newly finalized rules for airline passengers:

What are the new rules from the DOT and how do they impact passengers?

The first new regulation will simplify the process for airline passengers to get what they’re owed by requiring airlines to give automatic cash refunds. Passengers can get these refunds when their flights are “cancelled or significantly changed, their checked bags are significantly delayed, or the ancillary services, like Wi-Fi, they purchased are not provided,” the announcement said. 

The second will require airlines and ticket agents to be upfront about any hidden fees, such as checking a bag or changing a flight, to help “consumers avoid unneeded or unexpected charges that can quickly increase and add significant cost to what may, at first, look like a cheap ticket.” Airline fees, increasingly common for airlines to boost their profit, have grown “confusing” for passengers.

Both rules will go into effect in about six months, or around the end of October, the agency said.

Making the skies more accessible: This proposal would help the DOT 'more easily penalize airlines' that damage wheelchairs

How will the new rules make getting refunds from airlines easier? 

Getting a refund from airlines is a long-winded and often complicated process. Sometimes, passengers end up getting a travel credit or voucher instead of an actual reimbursement or just a partial refund. Under the new regulation, refunds will be much more straightforward. 

Airlines must promptly provide automatic refunds without passengers explicitly requesting them, and the refunds must be issued in the original payment method used to make the purchase.  

How fast will the refund get to me?

Airlines will have seven business days to make full refunds for credit card purchases and 20 calendar days for other payment methods. 

How else is the DOT cracking down on hidden airline junk fees? 

It can be tricky to know exactly how much your final airline ticket will cost due to hidden fees. What may look like a low price at first can quickly add up. Airlines will now have to disclose any baggage, change and cancellation fees and policies before purchases are made – and it has to be clear and upfront, not hidden behind a hyperlink. Airlines will also need to be transparent about weight and dimension limitations. Third-party websites such as Expedia or Booking.com will also be required to display this information. 

These days, it’s common for people to pay for seat selection, especially for the lowest price fares, but carriers will now need to inform consumers that seats are guaranteed and it’s unnecessary to pay for one.

The DOT is also banning airlines from using bait-and-switch tactics, in which an airline advertises a discounted fare that doesn’t include mandatory fees that drive the ticket price up. 

Kathleen Wong is a travel reporter for USA TODAY based in Hawaii. You can reach her at [email protected] .