Travel insurance
Does travel insurance cover pregnancy?
As of 28 Oct 2026 (Singapore time)
Mostly not. 18 of the 22 insurers we compare exclude pregnancy and childbirth, though 7 pay some complications within limits. 4 do not say. Travel insurance is for sudden, unexpected events, and a pregnancy is neither. Check the wording before travelling late in a pregnancy, and the airline's own limits, which often start from about 28 weeks.
The figures
- Insurers compared: 22, with 665 plans between them.
- Insurers that exclude it on every plan: 18, 7 of them with exceptions.
- Insurers whose documents do not say: 4.
What each insurer says
| Insurer | Covered? | What the policy says | From |
|---|---|---|---|
| MSIGExcluded, with exceptionsfrom S$17.80 | Excluded, with exceptions | TravelEasy Lite43 of its 43 plansExcluded: HIV and sexually transmitted diseases; pregnancy-related conditions except maternity medical expenses overseas | S$17.80 |
| EtiqaExcluded, with exceptionsfrom S$18.90 | Excluded, with exceptions | Tiq Travel Insurance Entry39 of its 39 plansExcluded: Pregnancy, childbirth, miscarriage (except accidental) or abortion; intoxication by alcohol or non-prescribed drugs | S$18.90 |
| ERGOExcluded, with exceptionsfrom S$27.43 | Excluded, with exceptions | ERGO TravelProtect Essential12 of its 12 plansExcluded: Pregnancy or childbirth (except Parts 3 and 6); sexually transmitted diseases, HIV/AIDS | S$27.43 |
| QBEExcluded, with exceptionsfrom S$38.40 | Excluded, with exceptions | Travel Prestige Standard Plus20 of its 20 plansExcluded: Childbirth, pregnancy, miscarriage, abortion and related injury or illness (except the pregnancy-related expenses benefit) | S$38.40 |
| Great EasternExcluded, with exceptionsfrom S$40.00 | Excluded, with exceptions | Basic13 of its 13 plansExcluded: Pregnancy and childbirth (except the maternity care section); mental and nervous disorders; sexually transmitted diseases, HIV and AIDS | S$40.00 |
| UOIExcluded, with exceptionsfrom S$49.00 | Excluded, with exceptions | UniTravel Value21 of its 21 plansExcluded: Pregnancy and childbirth (except miscarriage due to an accident) | S$49.00 |
| ChubbExcluded, with exceptionsfrom S$55.50 | Excluded, with exceptions | Economy27 of its 54 plansExcluded: Pregnancy, childbirth and complications (except miscarriage due to accidental injury); HIV/AIDS; venereal disease | S$55.50 |
| SompoNofrom S$17.70 | No | Essential14 of its 14 plansExcluded: Pregnancy and childbirth; mental and psychiatric conditions; sexually transmitted infections and HIV | S$17.70 |
| HL AssuranceNofrom S$23.20 | No | Travel Assured Plus Basic (no COVID-19 cover)48 of its 48 plansExcluded: Travel against medical advice; pregnancy and childbirth; suicide or self-injury; under the influence of alcohol or drugs | S$23.20 |
| Great AmericanNofrom S$28.34 | No | Great Travel Insurance Classic24 of its 24 plansExcluded: Pregnancy, childbirth and their complications | S$28.34 |
| EQ InsuranceNofrom S$44.00 | No | EQ TravelSafe Basic24 of its 24 plansExcluded: Sexually transmitted disease, HIV/AIDS, childbirth, pregnancy (beyond the pregnancy benefit), self-injury, suicide | S$44.00 |
| LibertyNofrom S$45.00 | No | TourCare Plus Standard12 of its 24 plansExcluded: Sexually transmitted diseases and HIV/AIDS; contraception, childbirth, pregnancy, miscarriage, abortion | S$45.00 |
| China TaipingNofrom S$51.00 | No | Lite30 of its 30 plansExcluded: Pre-existing medical conditions, congenital conditions; pregnancy and childbirth; HIV/AIDS and sexually transmitted diseases; epidemic or pandemic (outside the COVID-19 endorsement) | S$51.00 |
| Tokio MarineNofrom S$54.00 | No | TM Travel Trust Standard30 of its 30 plansExcluded: Pregnancy or childbirth related conditions | S$54.00 |
| SinglifeNofrom S$55.42 | No | Travel Lite78 of its 78 plansExcluded: Travel against medical advice; pregnancy and childbirth; STI or HIV | S$55.42 |
| StarrNofrom S$58.34 | No | TraveLead Bronze21 of its 21 plansExcluded: Pregnancy, miscarriage or childbirth; mental or nervous disorders; AIDS, HIV and sexually transmitted disease | S$58.34 |
| India InternationalNofrom S$69.76 | No | i-Journey Classic12 of its 12 plansExcluded: Pregnancy or childbirth and related complications | S$69.76 |
| AllianzNofrom S$72.61 | No | Travel Protect Silver30 of its 30 plansExcluded: Pregnancy beyond the first 20 weeks, childbirth, fertility treatment; self-harm; alcohol or drug abuse; illegal acts; working as aircraft, vehicle or vessel crew | S$72.61 |
| Allianz TravelNot statedfrom S$23.60 | Not stated | Allianz Travel Basic18 of its 18 plansThe plan's documents do not mention it. | S$23.60 |
| FWDNot statedfrom S$37.08 | Not stated | Premium54 of its 54 plansThe plan's documents do not mention it. | S$37.08 |
| ZurichNot statedfrom S$42.00 | Not stated | Travel Guard Direct Basic20 of its 20 plansThe plan's documents do not mention it. | S$42.00 |
| IncomeNot statedfrom S$73.72 | Not stated | Classic36 of its 36 plansThe plan's documents do not mention it. | S$73.72 |
All prices include 9% GST. A dash means the plan has no price for this example. Each insurer's policy wording is the final word on what is covered.
See every insurer's price for your own answers, with each plan's cover side by side.
Compare travel insuranceQuestions people ask
Does travel insurance cover pregnancy?
Mostly not. 18 of the 22 insurers we compare exclude pregnancy and childbirth, though 7 pay some complications within limits. 4 do not say. Travel insurance is for sudden, unexpected events, and a pregnancy is neither. Check the wording before travelling late in a pregnancy, and the airline's own limits, which often start from about 28 weeks.
Where do these answers come from?
From each insurer's own policy documents: the benefit table and exclusions of every live plan we compare, 665 plans from 22 insurers. The policy wording is the final word on what is covered.
Which plan is cheapest?
Prices depend on your answers: get a quote to see every insurer's price for you.