Best Travel Insurance for Pregnancies in Singapore 2025: A Guide for Expectant Mums
Updated: 7 Jul 2025
Product Name | Hot Reward Pick | SingSaver Reward | |||
|---|---|---|---|---|---|
 | MSIG Premier Plan | - | |||
 | Tiq Travel Luxury (Annual) | - | - | ||
 | Singlife Travel Prestige | - | |||
 | AIG Travel Guard® Direct - Supreme (Annual) | - | - | ||
 | Starr TraveLead Gold Plan (Annual) | S$70 |
- Comprehensive coverage for families
- High post-trip local medical coverage
- Comprehensive medical coverage
- Coverage for large groups
- Complimentary lounge access if your flight is delayed. Terms and conditions apply.
Understanding Travel Insurance for Pregnancy in Singapore: What Expectant Mums Need to Know
Travelling while pregnant requires careful planning and the right insurance. In Singapore, many expectant mothers wonder if travel insurance covers pregnancy and what features to look for in the best travel insurance for their condition.
Why Pregnant Travellers Need Specialised Insurance
Standard travel policies often don't adequately cover pregnant women. Specialised insurance is crucial for both mother and baby, as it covers pregnancy-related emergencies and complications that might occur while travelling.
Key Features of Pregnancy-Friendly Travel Insurance
When searching for the best travel insurance for pregnancy, look for these essential features:
-
Coverage for pregnancy-related medical emergencies
-
Neonatal care for premature births
-
Emergency evacuation and repatriation
-
Trip cancellation due to pregnancy complications
Pregnancy-Related Coverage Limitations and Exclusions
It's vital to understand what your policy doesn't cover. Common exclusions include:
|
Exclusion |
Description |
|---|---|
|
Advanced Pregnancy |
Travel beyond 32-36 weeks of gestation |
|
Pre-existing Conditions |
Complications from known pregnancy issues |
|
Routine Care |
Regular check-ups and non-emergency treatments |
|
Fertility Treatments |
IVF or other assisted reproduction procedures |
Always read the policy details carefully to ensure you're getting the coverage you need. This way, you can have a safe and worry-free journey, whether you're indulging in a final milo dinosaur at Changi Jewel or taking in the sights from the Singapore Flyer.
Travel Insurance for Pregnancy: Top Providers in Singapore
Expecting mums planning trips from Singapore should seek reliable travel insurance for pregnancy up to 36 weeks. We've researched the best options to help you make an informed choice.
In Singapore, many insurers offer pregnancy coverage, but each has its own rules. Let's compare some top insurers:
|
Insurer |
Max Gestational Age |
Pregnancy Complications |
Emergency Evacuation |
|---|---|---|---|
|
AIG |
40 weeks |
Covered |
Unlimited |
|
MSIG |
40 weeks |
Covered |
Up to S$1,000,000 |
AIG stands out for covering up to 36 weeks of pregnancy. They offer comprehensive protection for expectant mums, including pregnancy emergencies and evacuation costs.
MSIG offers coverage up to 40 weeks and robust benefits for pregnancy complications. Their policy could be ideal for those seeking balanced protection.
When selecting your travel insurance, consider your specific needs, destination, and stage of pregnancy. The best insurance for pregnancy isn't solely about gestational age coverage. It's about securing comprehensive protection tailored to your journey.
Conclusion: Choosing the Right Travel Insurance for Your Pregnancy Journey
Selecting the appropriate travel insurance for your pregnancy is crucial for a safe and enjoyable trip. When comparing policies, carefully examine the coverage details. Ensure they include prenatal care and emergency medical services. Be aware that some policies may have restrictions on how far along you can be in your pregnancy.
It's imperative to thoroughly read the terms and conditions. Pay special attention to any clauses regarding pre-existing conditions. If you're uncertain about any aspect, don't hesitate to contact the insurance company for clarification. Remember, the most economical option isn't always the most suitable. You want coverage that provides peace of mind throughout your travels.
Invest time in thoroughly comparing travel insurance options for pregnancy. This diligence can help you identify a policy that aligns perfectly with your needs. Consider factors such as your destination, trip duration, and any specific pregnancy-related concerns you may have. By conducting thorough research, you can embark on your travels with confidence, knowing you're well-protected.
Frequently Asked Questions (FAQs)
Pregnancy comes with additional risks that may require urgent medical attention while abroad. Standard travel insurance often doesn't adequately cover these risks. Therefore, specialised insurance is essential for pregnant women to ensure comprehensive protection.
This type of insurance typically covers costs associated with pregnancy complications, premature delivery, and emergency medical care. It also often includes coverage for additional accommodation or travel expenses incurred due to pregnancy-related issues.
Yes, most travel insurance policies for pregnancy have certain limitations or exclusions. These may include gestational age limits, pre-existing conditions, or planned deliveries. It's crucial to carefully review the policy details to understand these restrictions.
In Singapore, insurers such as MSIG, AIG and Singlife offer insurance coverage for pregnant women up to 36 weeks or later in pregnancy. However, always verify the specific terms with the insurer.
Consider coverage limits for medical expenses, gestational age limits, pregnancy-specific benefits, policy exclusions, and flexibility. Also, evaluate the insurer's reputation, customer service quality, and claim processing efficiency.
Most policies do not cover planned deliveries or elective C-sections abroad, as these are considered pre-planned events or conditions. However, some insurers may provide coverage for emergencies or unexpected pregnancy complications.
While Singapore's healthcare system is excellent, pregnancy travel insurance provides additional protection when you're overseas. It works in conjunction with your local healthcare coverage, ensuring you're protected both at home and abroad. This can be particularly reassuring if you're planning a babymoon to celebrate your last 'shiok' moments before parenthood!