Are pregnancy related expense covered under travel insurance?

Pregnant woman holding her stomach on beach

Pregnancy related expenses used to be under exclusion clause under most travel insurance policies, it usually goes like this:

We will not pay for any loss due to pregnancy or childbirth, and or any injury or sickness associated with pregnancy or childbirth”.

This is because insurance principle forbids to cover foreseeable expenses, and it is to prevent moral hazard.

The good news is some good insurers started to cover medical expenses incurred overseas due to pregnancy related sickness in recent years. But as you can guess, the benefits will come with terms and conditions. This post will help you understand what pregnancy related benefits are covered travel insurance.

Not all travel insurance cover pregnancy related expenses

To be sure, you have to search for a section like “Medical Expenses for Pregnancy Related Sickness” under your travel insurance schedule.

If there is such a section, such travel insurance will cover medical expenses due to pregnancy related sickness at a small amount. The sum assured is typically $2,000 to $8,000. But I think that is still a decent amount.

I will use one insurer’s policy as an illustration to explain what pregnancy related expenses are covered under travel insurance.

What is covered

The insurer will pay for “the medical expenses necessarily and unavoidably incurred while on a Trip Overseas during the Period of Insurance for pregnancy related sickness”.

What is not covered

The insurer will not pay for the pregnancy related sickness if:

  1. Treatment for the pregnancy related sickness occurs within the 1st trimester of pregnancy (i.e. 0 to 12 weeks);
  2. Treatment for the pregnancy related sickness is only sought upon return to Singapore; and
  3. The policy is for a one-way Trip cover; and
  4. The Overseas Trip or the activities carried out Overseas are undertaken against medical advice from Your Medical Practitioner in Singapore

I hope this post can help you make informed decision when choosing travel insurance for yourself, especially if you need such coverage. At SGMoneyMatters, you can buy travel insurance online and you are assured to have a travel insurance with comprehensive coverages.

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About the Author

Ivan Guan is the author of the popular book "FIRE Your Retirement". He is an independent financial adviser with more than a decade of knowledge and experience in providing financial advisory services to both individuals and businesses. He specializes in investment planning and portfolio management for early retirement. His blog provides practical financial tips, strategies and resources to help people achieve financial freedom. Follow his Telegram Channel to join the FIRE community.
The views and opinions expressed in this article are those of the author. This does not reflect the official position of any agency, organization, employer or company. Refer to full disclaimers here.

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