Travel insurance when pregnant – safe travel during pregnancy

Travel insurance for an unborn child covers expenses if your state of pregnancy changes suddenly and unexpectedly during the trip, and the unborn child requires immediate medical treatment. Such situations include miscarriage, the entanglement of the umbilical cord around the neck of the foetus and premature birth. 

Travel insurance can be beneficial in many different situations, but it does not cover all possible expenses related to pregnancy. For example, travel insurance does not cover pregnancy, childbirth, abortion, or infertility or any related illnesses or complications.  

Even a normal pregnancy involves complications, the most common and least dangerous ones being back pain and nausea. These common pregnancy complications are not covered as travel illness.  

Pregnancy can cause treatment expenses through maternity clinic visits or other normal medical examinations, for example. These expenses are not covered by travel insurance, but Pohjola Baby Insurance does cover some of the pregnant parent's public healthcare expenses and medications during pregnancy.  

Learn more about Pohjola Baby Insurance 

Travel insurance does not cover normal childbirth, but it can cover sudden and unexpected situations such as premature birth if it requires immediate treatment. If the unborn child requires treatment during a trip, it is good practice to acquire a separate travel insurance policy for them already before the birth. 

Travel insurance only covers sudden and unexpected pregnancy complications such as premature birth or miscarriage. It doesn't cover expenses related to normal pregnancy, such as maternity clinic visits, childbirth or pregnancy monitoring. 

If your state of pregnancy changes suddenly, and you're unable to travel, the insurance can cover cancellation expenses. This depends on the insurance terms and conditions, and on whether the change in your state of health is unforeseeable. Always check the terms and conditions of your travel insurance before booking a trip. Trips cancelled solely based on pregnancy are not covered.

Yes, you can already acquire a travel insurance policy for an unborn child during pregnancy. This ensures that if your state of pregnancy changes suddenly during the trip, and the child is born prematurely, the insurance covers the treatment expenses of your child. 

Your travel insurance can cover treatment expenses if the birth is sudden and unexpected. It is recommended to acquire a separate trip for your unborn child before their birth so that their treatment expenses are covered. 

The travel insurance does not have limits in terms of pregnancy weeks. This concerns both fixed-term travel insurance and traveller's insurance acquired for an unborn child.
 

Pregnancy does not affect the price of your insurance, but the terms and conditions of the insurance may include limits concerning what the insurance covers during pregnancy. It is therefore important to check the insurance terms and conditions before departure. 
 

If you need to go to a physician abroad, you can contact Pohjola Travel Emergency Service, who will help you find a reliable hospital or physician in your destination country. The Travel Emergency Service is available 24 hours a day every day of the year.