Pregnancy & Travel Insurance — What’s Actually Covered

Pregnant and travelling? 🍼✈️

Here’s what your travel insurance does and doesn’t cover.

✅ Covered if:

• Pregnancy was stable for at least 7 days before you left.
• You’re within your policy’s week limit (usually up to 31 weeks).
• Something unexpected happens:

 • Early birth more than 9 weeks before due date

 • Sudden complications

• If baby arrives early, you get up to $25,000 CAD for newborn emergency care.

🚫 Not Covered:

• Regular prenatal check-ups or ultrasound
• Planned or induced deliveries
• Trips past your pregnancy week limit
• Complications from an unstable pregnancy before travel
• Care for a healthy newborn

💡 Travel tips:

• Bring your due date letter + key medical notes
• Make sure your dates fit your policy’s week limit
• If pregnancy isn’t stable, reschedule — coverage won’t apply

📄Policy reference: Tugo Travel Insurance Policy Wordings — see General Conditions & Pregnancy Coverage (page 48)

💬 Need help? Chat with us or call 1-855-929-8846

Updated on: 11/08/2025