Can I be covered by RACQ Travel Insurance if I'm pregnant?

Our policies provide cover for pregnancy in limited circumstances.

Our policies provide cover for pregnancy in limited circumstances.

What is covered?

Cover is included automatically up to the end of the 25th week of pregnancy for:

single non-complicated pregnancies;
unexpected pregnancy complications; and
childbirth which was accelerated by accidental injury in limited circumstances.

Please see further information below.

You will need to apply for cover if at the Relevant Time, you know you are pregnant and are aware of, or a reasonable person in the circumstances could be expected to have been aware of, any of the following:

there have been complications with this or a previous pregnancy,
you are expecting a multiple pregnancy (such as triplets or twins), or
you have a Medical Condition which could have an adverse impact on your health.

Pregnancy Complications

Pregnancy complications are considered Medical Conditions and need to be disclosed and assessed if you want cover for these conditions whilst on your trip. Pregnancy complications include those that occur during pregnancy or may be caused by Medical Conditions that already existed prior to the pregnancy, such as previous high risk of miscarriage, gestational diabetes, hyperemesis (severe morning sickness) or pre-eclampsia. Please refer to ‘Medical Conditions We need to assess’ in the PDS which apply to all sections of cover, which can be viewed here.

What is not covered?

There is no cover for:

pregnancy complications occurring from the 26th week of gestation, or as described in the section above (Pregnancy Complications) unless such complications are specifically accepted by us and noted on your Certificate of Insurance;
childbirth at any stage of the pregnancy, other than as a result of an accident occurring prior to the end of the 25th week of your pregnancy which causes you to give birth prematurely;
the health or care of a newborn child, irrespective of the stage of pregnancy when the child is born; or
regular antenatal care.

We recommend that you contact your Treating Doctor and obtain written confirmation that you are fit to travel before commencing your planned trip. Please refer to ‘Changes in Your health’ in the PDS which apply to all sections of cover, which can be viewed here.

If you are unsure whether you need to complete a medical assessment for your pregnancy, please call 1300 338 821 for additional assistance.

Please refer to ‘General Exclusions’ in the PDS which apply to all sections of cover, which can be viewed here.

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Things to note

RACQ Operations Pty Ltd (ABN 80 009 663 414 AR 000234978) and Members Travel Group Pty Ltd (ABN 45 144 538 803 AR 000432492) are acting as an Authorised Representative of the issuer of the insurance, Tokio Marine & Nichido Fire Insurance Co., Ltd. (ABN 80 000 438 291 AFSL 246 548). Any advice set out above is general in nature only, and does not take into account your objectives, financial situation or needs. Before purchasing any travel products, please consider the RACQ Travel Insurance Product Disclosure Statement (PDS) and the Target Market Determinations (TMDs) that apply to these products. Whilst the PDS outlines the Terms and Conditions of these products, the TMDs outline the intended class of customers that comprise the target market for these travel products. This will allow you to consider which products best suit your objectives, financial situation and needs and consider the products appropriateness to your personal circumstances. TMDs also outline matters involving the distribution and the review of these products. The PDS, Supplementary PDS and TMDs for each travel product can be found here.