A study has been carried out to assess the radiation exposure from cosmic-ray neutrons to the embryo and foetus of pregnant aircrew and air travellers in consideration of the radiation exposure from cosmic-ray neutrons to the embryo and foetus. A Monte Carlo analysis was performed to determine the equivalent dose from neutrons to the brain and body of an embryo at 8 weeks and to the foetus at the 3, 6 and 9 month periods. Neutron fluence-to-absorbed dose conversion coefficients for the foetal brain and for the entire foetal body (isotropic irradiation geometry) have been determined at the four developmental stages. The equivalent dose rate to the foetus during commercial flights has been further evaluated considering the fluence-to-absorbed dose conversion coefficients, a neutron spectrum measured at an altitude of 11.3 km and an ICRP-92 radiation-weighting factor for neutrons. This study indicates that the foetus can exceed the annual dose limit of 1 mSv for the general public after, for example, 15 round trips on commercial trans-Atlantic flights.