Insurance,Women

Travelling Pregnant Or For Fertility Treatment? Your Top Questions Answered

1 March 2020

Here’s how Travel with Jane’s standard policies and tailored Pregnancy Add-On work for pregnant travellers.

Am I covered while pregnant?

If you’re heading off on a babymoon, or for any other reason while pregnant, you’re definitely covered for most items listed in your travel insurance policy. So for claims like lost luggage, trip cancellation, legal liability and some medical, you’re covered.

Where it gets a little technical is if you’re needing to claim for certain hospital or medical emergency expenses that are related to your pregnancy, including childbirth.

Pregnancy is viewed as a pre-existing medical condition and your due date play an important role in whether you can get cover or not.

On all of Travel with Jane’s policies, except our Domestic, you are covered  for any pregnancy-related claim, up to 26 weeks in the case of a single baby, and 19 weeks in the case of a multiple pregnancy. Cover is provided to you, but not provided for childbirth or the health of a newborn child.

If I give birth overseas, will I be covered?

Having a baby overseas in a medical emergency is no doubt the last thing you’d want. Unfortunately, childbirth is not covered on our standard policies. So for any of these, you won’t be able to claim on medical costs.

Read our full guide on airline rules and flying while pregnant, here. 

And with the pregnancy pack, is birth covered?

For extended cover while pregnant overseas, we offer an additional product called our Pregnancy Add-on. First, you’ll get an extension on the week’s you’re allowed to claim at – so this means you have more time to be able to claim for  trip cancellations, and pregnancy related medical bills.

  • Single pregnancy up to and including 32 weeks gestation
  • Multiple pregnancy up to and including 23 weeks gestation

If you’re up to 32 weeks pregnant with a single child, or up to 23 weeks with twins when an incident occurs, and you have written certification from a medical practitioner that you are fit to travel up to ten days prior to your departure, your emergency medical costs are covered under our Pregnancy Add-On. The maximum payout under this benefit is is $1 million.

Just to be clear, even with our Pregnancy Add-on, emergency childbirth coverage includes the costs related to your birth and post-birth medical care. It won’t cover your newborn’s medical costs. The costs that come with looking after a newborn after an emergency birth can vary greatly. If we covered this risk, it pushes up premiums across the boar

What does the pregnancy pack cover, and not cover?

Conditions you’re covered for

If you purchase the Pregnancy Add-on, many medical expenses that stem  from pregnancy-related complications, otherwise excluded by our standard policy benefits, are covered.  This includes:

  • toxaemia
  • gestational diabetes
  • gestational hypertension
  • pre-eclampsia
  • ectopic pregnancy
  • molar pregnancy or hydatidiform mole
  • post-partum haemorrhage retained placenta membrane
  • placental abruption
  • hyperemesis gravidarum
  • placenta praevia
  • stillbirth
  • miscarriage
  • emergency caesarean section
  • a termination needed for medical reasons
  • premature birth more than 8 weeks (or 16 weeks if you know you are having more than one baby) before the expected delivery date.

What you are not covered for

Your pregnancy-related medical costs will not be covered  by Travel with Jane’s Pregnancy Add-on in these situations:

  • if you have experienced any pregnancy complications prior to purchasing your policy.
  • multiple pregnancies arising from services or treatment associated with an assisted reproductive program, including but not limited to in vitro fertilisation.
  • a single pregnancy after 32 weeks
  • a pregnancy with twins after 23 weeks
  • neonatal care

Why are newborn’s not covered?

Even with our Pregnancy Add-on, emergency childbirth coverage includes the costs related to your birth and post-birth medical care. It won’t cover your newborn’s neonatal medical costs. The costs that come with looking after a newborn after an emergency birth can vary greatly. If we covered this risk, it would push medical cover premiums across the board. For your safety, and the safety on your baby, the overriding message is to avoid all chances of giving birth overseas.

Am I covered for fertility treatment?

Unfortunately not. Fertility treatment at any time, including any resulting pregnancy, is not covered by our emergency medical benefits, nor under our Pregnancy Add-on.  For claims related to lost luggage, trip cancellations, and legal liability – not related to your treatment, you are eligible to claim

Am I covered for trip cancellations?

Yes – provided you are under 26 weeks or 19 weeks with twins, or 32 weeks and 23 weeks with twins under our Pregnancy Add-on. , you are eligible to claim for the costs of not being able to go on your trip. You’re also able to claim of you need to cancel a portion of your trip, your, or activity. So for example, if you discover you’re pregnant while on our trip, and are not able partake in pre-booked strenuous activities, you are eligible to claim for lost deposits or full payments.

What should I do if I’m pregnant and have a medical emergency overseas?

For medical emergencies overseas like broken limbs, a severe and sudden toothache or becoming seriously ill with pneumonia for instance – you’re covered whether on one of our regular policies, or under the Pregnancy Add-on.

When it comes to pregnancy-related medical emergencies, your ambulance or hospital bills are only covered by our Pregnancy Add-on.

In both cases, you’re first action should be to contact our trained customer care team. We’re available 24/7 by phone, and during business hours on live chat and email.

If I need to claim while on a holiday in Australia, what am I covered for?

The key thing about travel insurance and domestic travel, is that although we offer a domestic policy for trip cancellations, legal liability and so on, we can’t cover medical claims. That’s because in Australia, emergency medical care is covered by Medicare, and when possible, private health insurance.

As the Pregnancy Add-on is geared to assist with medical claims, it cannot be added to a Domestic policy.

 

Photo by Daria Shevtsova from Pexels

Understand your cover

Conditions and exclusions apply to every cover level and optional pack. View our Combined Product Disclosure Statement and Financial Services Guide for full details. Sub-limits apply. Not sure? Our friendly team are here to help. Get in touch

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We support women who challenge the gender pay gap

Since Day 1 Travel with Jane has been about levelling the playing field for women in Australia. In 2020, we’re taking the fight global. Stay tuned to learn how you can support the women who tackle the gender divide here and abroad.

 

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