Can I get expat travel insurance that covers pregnancy and maternity care while living overseas?

Our expat travel insurance provides a level of cover for pregnancy and maternity care, but there are important limitations to be aware of. Standard policies exclude maternity-related treatment after 20 weeks of pregnancy, meaning routine prenatal care, delivery, and related services are not covered beyond this point. However, if medical treatment is required as a result of an accident during pregnancy, this will be included under the policy’s emergency medical cover.

This approach ensures that you are protected against unexpected medical emergencies while abroad, whilst recognising the higher risks and costs associated with late-stage maternity care. For expectant parents, it is important to plan carefully and consider additional specialist insurance if you anticipate needing routine maternity services beyond 20 weeks.

When selecting a policy, take into account the timing of your pregnancy, the destination country, and the type of medical facilities available locally. Our team can help clarify which aspects of maternity care are included and advise on options to ensure adequate protection.