If you're an Aussie mom-to-be, you may want to double-check your insurance policy before you pack your bags and head to the airport.
Whether you're taking off on an international business trip, going on holidays, or indulging in the increasingly popular "babymoon" with your partner, you may be surprised to learn that pregnancy is not covered by one in four Australian travel insurance policies.
Mozo, an insurance and banking comparison website based in Australia, compared a total of 271 travel insurance policies and found that not only do a shockingly low amount have coverage for pregnancy, those that do cover pregnancy often include additional conditions, such as limiting travel if you are over a certain number of weeks along.
"It pays to read the terms and conditions of your travel insurance policy as a number of policies will not cover you if something goes wrong,” said Kirsty Lamont, Mozo Director.
According to the Insurance Council of Australia (ICA), almost all travel insurers cover pregnancy. However, the period of coverage typically ranges from 20 to 32 weeks for single pregnancies, and only up to 19 weeks for multiple pregnancies. If you were able to become pregnant using IVF, you're likely out of luck - most IVF pregnancies are not covered.
"The ICA encourages pregnant travellers to research travel insurance policies and read the individual Product Disclosure Statement to find a policy that best covers their individual circumstance and personal need," said Campbell Fuller, ICA's general manager of communications and media relations.
Fuller added that coverage is usually available if the pregnant traveller does not have any complications, however, those who suffer from complications will likely be asked to provide additional information to the insurer.
Charley Anning, who lives in Australia's Northern Territory, recalled her experience earlier this year travelling to and from the UK. Anning applied for insurance when she was 32 weeks pregnant and claimed her choices were limited to just two providers - with one providing slightly more coverage than the other.
"I ended up going through Tick Travel Insurance because they covered you just a little bit longer," she said. "It was important to get travel insurance because there is always that what if and you just never know. Babies have a mind of their own."
Unfortunately, pregnant women are not alone when it comes to being frequently excluded from travel insurance policies. Mozo's research also found that those who require blood-thinning medication were the most commonly excluded, followed closely by cancer and cardiovascular disease.
Mozo also found that mental illness was a major exclusion as well - in fact, it was excluded from over half of Australia's travel insurance policies. A total of one in five Australians suffer from mental illness each year.