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Pregnancy travel insurance

Got a little one on the way?

It’s important to find a policy with pregnancy cover that suits the needs of you and your unborn child. Freely offers some expectant birthing parents cover for part of their pregnancy provided certain conditions are met.

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Childbirth is not covered. Costs relating to the health or care of a newborn child are not covered, irrespective of the stage of pregnancy when the child is born. There’s a lot of detail to unpack in the above, so refer to and read the Combined FSG/PDS for more information. To learn about the Target Market for this product, you can read our TMD.

Remember:

Here are some coverage highlights for pregnant person travel insurance

If you have a healthy pregnancy, the best time to travel tends to be during your second trimester – which is when the risk of complications is lowest. Maybe you’re hitting the road to visit relatives or going on a babymoon before you give birth. Whatever your reason for travelling, growing a tiny human adds another layer of concern to your trip – so read on to see if Freely can meet your specific needs.

Unexpected serious complications

Freely provides coverage for unexpected serious pregnancy complications up until 23 weeks and 6 days.

Single pregnancy

Our included pregnancy cover only applies to single pregnancies. If you’re having twins or triplets or anything more, you’ll need to declare this in an online health assessment when getting a quote and an additional premium may apply.

Assisted pregnancy

If your pregnancy was medically assisted by fertility treatments (such as hormone treatments or IVF), or if you’ve experienced a complication in this or a previous pregnancy, you’ll need to declare this in an online health assessment when getting a quote. An additional premium may apply.

Keep scrolling down to see the full coverage

Helpful Tip:

Save our 24/7 emergency assistance number in your phone and enable geo-specific travel safety alerts in our app. This way, we're just a tap or two away whenever you need us, and you'll get an alert if something major is going on in the destination you're currently in.

Remember:

How freely works

Start with our Explorer Plan

We've made buying travel insurance easier by bundling medical, trip and belongings cover in our single Explorer Plan. Get a quote and buy your policy in minutes.

Add Trip Extras

If you need additional coverage for your trip or favourite gadgets, you can build upon the Explorer Plan by adding any of our Trip Extras.

Turn on Daily Boosts

Last-minute ski trip? Need a rental vehicle or motorcycle for the day? Embrace spontaneity and toggle on additional activity coverage for the days you need it.

Get flexible travel insurance and protection in minutes with freely!

Get a quote

What's covered?

We've simplified travel insurance with our bundled Explorer Plan that you can build upon with extra coverage. This way, you only pay for the coverage you need on the days you actually need it.

Cover for medical

We provide coverage for overseas medical expenses, including hospital expenses for approvable claims. If things go really wrong, we can help with emergency repatriation or evacuation to bring you home.

Only applies to Overseas Explorer Plan

Cover for your trip

If you need to amend, delay or cancel your trip, we can help smooth out bumps in your travel plans. You can even increase your cancellation coverage in increments of $1,000 by paying additional premiums.

Cover for your gear

We offer coverage to help fund the replacement or reimbursement
of delayed, lost, stolen or damaged luggage. You can also increase the single-item limit for portable electronic gadgets, and ramp up your coverage for other specified items you won't travel without.

Overseas

Domestic

Overseas Explorer Plan

When things go wrong overseas, travel insurance can be the unexpected hero of your trip. Freely's Overseas Explorer Plan offers coverage for medical and dental, emergency evacuation and repatriation, trip cancellation and amendment, and lost and delayed luggage.

Cover for your health

Accidental death$10,000

If you suffer an injury caused solely and directly by violent, accidental, visible and external means (as opposed to being caused by sickness or disease) that results in your death, we will pay your estate the amount (provided your death occurs within one year of the accident).

Disability$10,000

If you suffer an injury caused solely and directly by violent, accidental, visible and external means (as opposed to being caused by sickness or disease) that results in your permanent total loss of sight in one or both eyes or the loss of use of one or more limbs, we will pay you the amount shown in the Plan purchased (provided the loss occurs within one year of the accident).

Cover for medical

Overseas medical expenses$Unlimited~

If you become sick or injured while on your trip, we may provide cover for unexpected medical and hospital expenses.

Overseas emergency dental$Unlimited~

If you need to pay for unexpected dental treatment during your trip, we may provide cover for emergency overseas dental expenses.

Overseas emergency repatriation$Unlimited~

If you become sick or injured while on your trip and need emergency repatriation, we may provide cover for that.

Existing medical conditionsLimits apply

Some existing medical conditions are automatically covered by our Explorer Plan (subject to the criteria outlined in the PDS). If your existing medical condition falls outside the criteria or isn’t on the list, we may still be able to provide cover for your condition subject to the outcome of a short medical assessment, an additional premium may apply.

Overseas emergency evacuation$Unlimited~

If you become sick or injured while on your trip and need emergency evacuation, we may provide cover for that.

Accidental death$25,000

If you suffer an injury caused solely and directly by violent, accidental, visible and external means (as opposed to being caused by sickness or disease) that results in your death, if approved, we will pay your estate the amount (provided your death occurs within one year of the accident).

Disability$25,000

If you suffer an injury caused solely and directly by violent, accidental, visible and external means (as opposed to being caused by sickness or disease) that results in your permanent total loss of sight in one or both eyes or the loss of use of one or more limbs, if approved, we will pay you the amount shown in the Plan purchased (provided the loss occurs within one year of the accident).

Cover for your trip

Trip cancellation and amendment$5,000

If you need to unexpectedly amend or cancel your trip for a covered reason, we can reimburse you for the costs of your prepaid, non-refundable travel arrangements.

Additional expensesLimits apply

If you encounter unexpected accommodation and/or transport costs during your travels because of a covered event, we may provide cover for the additional expenses you incur.

Travel delay expenses$2,000

If your pre-booked, prepaid transport is temporarily delayed during the journey for at least 6 hours due to an unforeseeable circumstance outside your control (including a cyber incident), we may provide cover for the related expenses you incur up to $2,000.

Resumption of journey$2,000

If you need to return to Australia while you're on your trip because of the sudden serious injury, sickness, disease, or death of your relative or business partner, we may provide cover for the cost of resuming the journey up to $2,000.

Special events$2,000

If, due to an unforeseeable circumstance outside your control, your journey would otherwise be delayed – resulting in you being unable to arrive in time to attend a wedding, funeral, 25th or 50th wedding anniversary, or a prepaid conference, music festival or sporting event that cannot be delayed due to your late arrival – we may pay for the reasonable additional cost of using alternative public transport to arrive at your destination on time.

Personal liability$3,000,000

If you become unintentionally legally liable to pay compensation for damage caused to someone, we may provide coverage of up to $3,000,000. Limits, sub-limits, conditions and exclusions apply.

Cover for your stuff

Lost, stolen or damaged luggage$10,000

If your luggage or travel documents are lost, stolen, or damaged on your trip, we can reimburse you for your items or for repairing your items. The limit per item is $750.

Luggage delay$1,000

If your luggage is delayed by a transport provider for more than 12 hours during your trip, we can reimburse you for the costs of several personal items purchased.

Passport and travel documents$1,000

We may pay you for the cost of replacing travel documents and credit cards lost or stolen on the journey. We may also pay for your legal liability arising from their illegal use. You must, however, comply with all the conditions of the issue of the document prior to and after the loss or theft.

Lost or stolen money$500

If your cash, bank or currency notes, postal or money orders are accidentally lost or stolen on your trip, we can reimburse you for the cost of the loss.

Domestic Explorer

It's easy to assume that travel insurance is only necessary for overseas holidays – but travelling domestically within Australia's borders carries many of the same risks! Freely offers coverage for all domestic travel: from the bustling hubs of Sydney and Melbourne to more regional, nature-based destinations such as Tasmania and the Gold Coast.

Cover for medical

Accidental death$10,000

Disability$10,000

Cover for your trip

Trip cancellation and amendment$5,000

If you need to unexpectedly amend or cancel your trip for a covered reason, we can reimburse you for the costs of your prepaid, non-refundable travel arrangements.

Additional expenses$10,000

If you encounter unexpected accommodation and/or transport costs during your travels because of a covered event, we can provide cover for the additional expenses you incur.

Travel delay expenses$2,000

If your pre-booked, prepaid transport is temporarily delayed during the journey for at least 6 hours due to an unforeseeable circumstance outside your control (including a cyber incident), we can provide cover for the related expenses you incur up to $2,000.

Resumption of journey$2,000

If you need to return to Australia while you're on your trip because of the sudden serious injury, sickness, disease, or death of your relative or business partner, we can provide cover for the cost of resuming the journey up to $2,000.

Special events$2,000

If, due to an unforseeable circumstance outside your control, your journey would otherwise be delayed – resulting in you being unable to arrive in time to attend a wedding, funeral, 25th or 50th wedding anniversary, or a prepaid conference, music festival or sporting event that cannot be delayed due to your late arrival – we will pay for the reasonable additional cost of using alternative public transport to arrive at your destination on time.

Personal liability$200,000

If you become unintentionally legally liable to pay compensation for damage caused to someone else's property or for the injury or death of someone, we may provide coverage of up to $200,000.

Cover for your stuff

Lost, stolen or damaged luggage$10,000

If your luggage or travel documents are lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your items. The limit per item is $750.

Luggage delay$1,000

If your luggage is delayed by a transport provider for more than 12 hours during your trip, we can reimburse you for the costs of several personal items purchased.

Lost or stolen money$500

If your cash, bank or currency notes, postal or money orders are accidentally lost or stolen on your trip, we can reimburse you for the cost of the loss.

There’s a lot of detail to unpack in the above, so refer to and read the Combined FSG/PDS for more information. To learn about the Target Market for this product, you can read our TMD. ~ Medical and dental cover will not exceed 12 months from onset of the illness or injury.

Need extra coverage for your trip?

Build on your Explorer Plan by adding Trip Extras to get greater protection for your personal belongings, and enhanced delay and cancellation coverage. You can also add Daily Boosts on-the-go to get cover for activities, from motorbike riding to adventure sports.

See Trip Extras and Daily Boosts

Snow Sports

Pay per day

Extra Cancellation

Pay per trip

Specified Items

Pay per trip

Cruise Cover

Pay per day

Motorcycle or Moped Riding

Pay per day

Rental Vehicle Insurance Excess

Pay per day

Adventure Activities

Pay per day

Gadgets

Pay per trip

Get flexible travel insurance and protection in minutes with freely!

Get a quote

Can I get travel insurance while I’m pregnant?

For some expectant parents, an overseas trip is an awesome way to celebrate (babymoon!), while others may just want to continue with the travel plans they had before falling pregnant (we don’t blame you).

Whatever the reason for travelling, it’s a good idea to consider a travel insurance policy that can provide cover for your particular pregnancy.

Freely offers limited cover for travellers who are pregnant. If you’re pregnant (with a single pregnancy) while travelling overseas and experience an unexpected serious complication, we may provide cover up until 23 weeks and 6 days. We don’t, however, cover childbirth or any costs related to childcare after childbirth.

For more detail, please contact our team or refer to the PDS.

Does freely consider pregnancy an existing medical condition?

If you’re travelling in the first 23 weeks of your pregnancy and you meet the conditions in our PDS, we can provide you with overseas emergency medical expenses cover for serious and unexpected pregnancy complications and emergency assistance without the need to declare your pregnancy to us.

If the pregnant traveller has experienced complications with the current or a previous pregnancy; if the pregnancy was assisted (i.e. through IVF); or if it’s a multiple pregnancy (i.e. twins or triplets), this should be declared in our online health assessment to determine eligibility for cover.

For more detail, please contact our team or refer to the PDS.

Important things to know for pregnancy travel insurance

Here are some helpful tips to consider ...

Cover is only available for up to 23 weeks and 6 days

We offer cover for unexpected serious pregnancy complications that occur up to 23 weeks and 6 days (as long as certain other conditions outlined in the PDS are met).

Be sure to declare pregnancy complications or multiple pregnancies

If you’ve experienced a complication in your current or a previous pregnancy, or if you’re carrying twins or triplets, be sure to declare this in our online health assessment when getting a quote, to determine eligibility for cover.

Be sure to declare if your pregnancy was medically assisted

If you fell pregnant with the assistance or hormone therapies or through IVF, be sure to declare this in our online health assessment when getting a quote, to determine eligibility for cover.

Why freely?

Only pay for the extra cover you need on the days you actually need it.

Update your policy on your trip so you can embrace travel spontaneity.

Get 24/7 access to our medical and emergency specialists.

Still got questions?

See all FAQs

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Frequently asked questions

Product Disclosure Statement

Target Market Determination

Promotion and competition Terms & Conditions

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Freely acknowledges the Traditional Custodians of Country throughout Australia and recognises their continuing connection to land, sea and community. We pay our respect to Elders past, present and emerging, and extend that respect to all Aboriginal and Torres Strait Islander peoples today. Always was, always will be Aboriginal land.

© Copyright 2024 | Freely is backed by Cover-More, a Zurich Company.

Limits, sub-limits, conditions and exclusions apply. Freely is a brand of Cover-More Insurance Services Pty Ltd (ABN 95 003 114 145, AFSL 241713), who administers the Freely Travel Insurance Product and Cancellation plan on behalf of the product issuer, Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507). Any advice is general advice only. Please consider your financial situation, needs and objectives and read the Combined FSG/PDS before deciding to buy this insurance. For information on the Target Market and Target Market Determination for this product, visit our TMD page.

^ For further information please visit our Promotion and Competition Terms & Conditions.

Pregnancy travel insurance

Got a little one on the way?

Here are some coverage highlights for pregnant person travel insurance

Unexpected serious complications

Single pregnancy

Assisted pregnancy

How freely works

Start with our Explorer Plan

Add Trip Extras

Turn on Daily Boosts

Love that I just add in my trips and I’ve got travel insurance just like that!

What's covered?

Cover for medical

Cover for your trip

Cover for your gear

Cover for your health

Accidental death$10,000

Disability$10,000

Cover for medical

Overseas medical expenses$Unlimited~

Overseas emergency dental$Unlimited~

Overseas emergency repatriation$Unlimited~

Existing medical conditionsLimits apply

Overseas emergency evacuation$Unlimited~

Accidental death$25,000

Disability$25,000

Cover for your trip

Trip cancellation and amendment$5,000

Additional expensesLimits apply

Travel delay expenses$2,000

Resumption of journey$2,000

Special events$2,000

Personal liability$3,000,000

Cover for your stuff

Lost, stolen or damaged luggage$10,000

Luggage delay$1,000

Passport and travel documents$1,000

Lost or stolen money$500

Cover for medical

Accidental death$10,000

Disability$10,000

Cover for your trip

Trip cancellation and amendment$5,000

Additional expenses$10,000

Travel delay expenses$2,000

Resumption of journey$2,000

Special events$2,000

Personal liability$200,000

Cover for your stuff

Lost, stolen or damaged luggage$10,000

Luggage delay$1,000

Lost or stolen money$500

Need extra coverage for your trip?

Can I get travel insurance while I’m pregnant?

Does freely consider pregnancy an existing medical condition?

Important things to know for pregnancy travel insurance

Cover is only available for up to 23 weeks and 6 days

Be sure to declare pregnancy complications or multiple pregnancies

Be sure to declare if your pregnancy was medically assisted

Why freely?

Only pay for the extra cover you need on the days you actually need it.

Update your policy on your trip so you can embrace travel spontaneity.

Get 24/7 access to our medical and emergency specialists.

Still got questions?

Explore these great reads