$unlimited overseas medical expenses, including for unexpected pregnancy complications and childbirth caused by accidental injury.^
What does RACV Travel Insurance cover?
Whether you're planning an international babymoon or a beachside escape, pregnancy travel insurance can cover your overseas medical expenses and more – giving you one less thing to think about.
Any product information on this page is a summary only. Review each section of the combined PDS/FSG for terms, conditions, exclusions, limits, sub-limits, and any general exclusions that apply.
Overseas medical expenses
Pregnancy before 26 weeks
Automatic cover for single pregnancies up to the end of week 25, if you have no history of pregnancy complications or adverse medical conditions.
Cancellation and amendments
Claim for cancellations and lost deposits if unforeseen circumstances mean you can’t travel (available on select policies).
Luggage and personal effects
Cover in case your luggage is lost, stolen, damaged or delayed while travelling. Plus, protection if your money gets stolen.
What's not covered
When you need to declare your pregnancy
RACV Travel Insurance automatically covers unexpected pregnancy complications if you’re 25 weeks pregnant or less at the time of travel.
You may need to complete a short medical assessment during your quote if you:
- have had complications with this or a previous pregnancy
- are expecting more than one baby
- have a medical condition that could adversely affect your health.
Talk to your doctor
Whether you need to declare your pregnancy or not, speaking with your doctor before you go is worthwhile – and a written confirmation that you're fit to travel can be handy to have on hand.
Choose your travel insurance plan
Every pregnancy is different and so is every trip. Find the level of cover that works for you.
International travel insurance
Choose from 3 levels of cover, with important benefits like overseas medical and hospital included with all international policies.
Domestic travel insurance
Cover for your next Aussie holiday, with protection for lost or stolen luggage, cancellations or disruptions.
Cruise cover
Going on a multi-night ocean cruise? Explore policies with optional cover. Select your destination and add cruise cover on the next page when getting a quote for overseas trips.**
Tips for travelling while pregnant
Travelling while pregnant takes a little extra planning. Here are a few things worth considering before you go.
Get medical advice
Consult with your doctor or midwife before confirming any travel plans. They can advise on destinations, vaccinations and whether your stage of pregnancy makes certain types of travel – such as long-haul flights or remote locations – worth reconsidering.
Check airline and cruise policies
Most airlines and cruise lines have their own pregnancy policies, including cut-off points for travel. These can vary significantly, so it's worth checking directly with your transport provider before you book to avoid disappointment.
Carry a doctor’s letter
A letter confirming your due date, pregnancy details and fitness to travel is worth having on hand, especially if you're travelling internationally. Some airlines require it and it can be invaluable if you need medical attention while you're away.
Frequently asked questions
Some insurers treat pregnancy as a medical condition, applying the same assessment process they would for any other health consideration. Others cover it automatically up to a certain gestational stage, as long as you meet certain criteria.
Factors that can affect how your pregnancy is treated include:
- how far along you are at the time of travel
- whether you have had complications with this or a previous pregnancy
- whether you are expecting more than one baby
- whether you have a medical condition that could affect your pregnancy or travel.
With RACV Travel Insurance, single pregnancies are automatically covered up to the end of week 25 with no additional assessment needed, as long as you haven’t had any complications with this or any previous pregnancy and don’t have any medical conditions that could adversely affect your health.
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Not always – it depends on your insurer and your situation. Many policies automatically cover straightforward pregnancies up to a certain number of weeks, with no declaration needed.
With RACV Travel Insurance, you're automatically covered for unexpected pregnancy complications if you:
- have a single pregnancy of 25 weeks or less at the time of purchase
- have had no complications with this or any previous pregnancy
- do not have a medical condition that could adversely affect your health.
If any of the above factors do not apply, you'll be asked to complete a medical assessment during the quote process.
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Going into labour overseas is something most travel insurers treat with caution and cover is generally limited. In most cases, routine or expected childbirth overseas is not covered.
If labour occurs because of an unexpected complication, you may have some cover, but this depends on your stage of pregnancy, your insurer and the specific circumstances.
With RACV Travel Insurance, cover for childbirth overseas is limited to situations where labour is brought on by accidental injury before the end of week 25 of pregnancy. Overseas medical cover for unexpected pregnancy complications also applies up to this point.
Beyond 25 weeks, there is no cover for complications, childbirth or newborn care, which is why it’s recommended to speak with your doctor before travelling.
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Most travel insurance providers will offer some level of cancellation cover in their policies, but whether pregnancy-related cancellations are covered varies between insurers. Generally, you're more likely to be covered if:
- An unexpected complication or unforeseen circumstances mean you’re unable to travel
- Your cancellation falls within the terms of your policy's cancellation cover.
Planned changes – such as deciding not to travel as your due date approaches – are not typically covered.
RACV Travel Insurance includes cancellation cover with most international and domestic policies. If unforeseen circumstances mean you can no longer travel, you may be able to claim, provided the issues arose after you purchased your policy and your pregnancy met the eligibility criteria at that time.#
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When comparing travel insurance as a pregnant traveller, the most important things to look for are:
- Overseas medical cover, including for unexpected pregnancy complications.
- Cancellation cover, in case you're unable to travel due to unforeseen circumstances.
- Whether a medical assessment is required for your specific situation.
- Any gestational limits on automatic cover.
Most insurers set a cut-off beyond which pregnancy-related cover no longer applies automatically.
RACV Travel Insurance automatically covers you for unexpected complications with your single pregnancy, provided you're 25 weeks pregnant or less with no complications at the time of purchase.
For more complex situations, a medical assessment during the quote process may help determine your eligibility for cover.
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Medically assisted conception, such as IVF and hormone therapy, doesn't usually affect your pregnancy cover. What matters most when assessing a claim is your stage of pregnancy and whether any complications were present at the time of travel.
With RACV Travel Insurance, pregnancy cover is assessed on the same basis, whether it's an IVF pregnancy or not. Cover applies for unexpected issues up to the end of week 25, provided your single pregnancy has no complications at the time of purchase.
If you've experienced complications with this or a previous pregnancy, are expecting more than one baby or have a relevant medical condition, you'll be asked to complete a medical assessment during the quote process.
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* RACV Member discount applies to the premium only (not applicable taxes).
# Terms, conditions (including eligibility criteria), limits, sub-limits and exclusions apply. Refer to the combined PDS/FSG for full details.
^ ‘Unlimited’ means there is no cap on the maximum dollar amount which may be paid out for this benefit, noting that how much is payable for a benefit depends on the specific cover in the relevant section of the Policy Wording and any applicable exclusions. Medical, hospital, dental or any ancillary benefits or expenses incurred more than 12 months from the time treatment for the injury or illness was first received will not be covered. Terms, conditions (including eligibility criteria), limits, sub-limits and exclusions apply. Refer to the combined PDS/FSG for full details.
** Refer to the combined PDS/FSG to determine if Cruise cover is required for your trip. Terms, conditions, limits, sub-limits and exclusions apply.
⋄⋄ For more awards information, refer to https://mozo.com.au and https://www.wemoney.com.au/wemoney-travel-awards-2026.
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RACV Travel Insurance won't cover you for destinations with a "Do Not Travel" status.
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Royal Automobile Club of Victoria (RACV) Limited (ABN 44 004 060 833, AR No. 1243563) (RACV) is an authorised representative of the RACV Travel Insurance insurer Tokio Marine & Nichido Fire Insurance Co., Ltd. (ABN 80 000 438 291 AFSL 246 548) (Tokio Marine). Tokio Marine Management (Australasia) Pty Ltd (ABN 69 001 488 455, AR No. 1313066) is an authorised representative of Tokio Marine, and administers RACV Travel Insurance as the managing agent on behalf of Tokio Marine.
Terms, conditions (including eligibility criteria), exclusions, limits and sub-limits apply. Any advice is general advice only, and does not take into account your specific objectives, financial situation or needs. Before you purchase, please consider the Combined Product Disclosure Statement (PDS) / Financial Services Guide (FSG) and Target Market Determinations (TMDs) available on RACV’s website, or on request from RACV.