Detailed Travel Insurance Analysis For Pregnant Mum

A close friend of mine N was going to her favourite Australia yet again, only this time pregnant haha. She asked me to look at travel policies for her.

It’s great to go holiday on your second trimester cause when baby’s here, you ain’t going anywhere for 6months at least! Besides, you will not enjoy too much when your tummy is heavy in the 3rd trimester.

What to note!

DO NOT CHOOSE THE CHEAPEST INSURER and assume you will be covered for medical treatment in an event of dehydration, motion sickness or injury while pregnant. It is generally excluded as shown below.

Before you read further, do note that insurers DO NOT cover for you if you are in your first trimester. Beyond a certain number of weeks, many airlines will not allow flight for pregnant mums too.


Which insurers can cover for pregnant mums?

From my search for her, I have found 3 plans and I’ve listed the policy wordings too.

  1. AVIVA (Travel Insurance): Plan details: Click here!

2) Liberty Insurance (TourCare Plus) : Plan details Click here!


3) Tokio Marine (TM Xplora): Plan details Click here!


40% off travel promotion for Tokio Marine (TM Xplora): Plan details Click here!

To purchase, fill in the form and send the completed copy (scan/image) to for application.



Last words

Travel insurance claims will be on a reimbursement basis back in Singapore. Do note also that pregnancy related conditions will be excluded once the medical treatment is sought when back.

We pride ourselves as providing sound insurance analysis. If you have further questions on travel coverage  do email us directly at or leave your email in the comments section below.

Josh Tan

I graduated with an Accountancy degree in from Nanyang Technological University but did not join an audit firm. Being keen on investing and personal finance matters, I started a journey in the financial planning industry and have been blessed to share what I am passionate about for the last 10 years. Currently, I practice in Promiseland Independent Pte Ltd, one of the reputable independent financial advisory firms in Singapore As a dad now, I have a new found perspective on financial matters concerning parents. I share many of the concerns that you have and as I search for answers myself, I'll share them through my articles.

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