Numerical simulations of specific absorption rate (SAR) and temperature changes in a 26-week pregnant woman model within typical birdcage body coils as used in 1.5 T and 3 T MRI scanners are described. Spatial distributions of SAR and the resulting spatial and temporal changes in temperature are determined using a finite difference time domain method and a finite difference bio-heat transfer solver that accounts for discrete vessels. Heat transfer from foetus to placenta via the umbilical vein and arteries as well as that across the foetal skin/amniotic fluid/uterine wall boundaries is modelled. Results suggest that for procedures compliant with IEC normal mode conditions (maternal whole-body averaged SAR(MWB) < or = 2 W kg(-1) (continuous or time-averaged over 6 min)), whole foetal SAR, local foetal SAR(10 g) and average foetal temperature are within international safety limits. For continuous RF exposure at SAR(MWB) = 2 W kg(-1) over periods of 7.5 min or longer, a maximum local foetal temperature >38 degrees C may occur. However, assessment of the risk posed by such maximum temperatures predicted in a static model is difficult because of frequent foetal movement. Results also confirm that when SAR(MWB) = 2 W kg(-1), some local SAR(10g) values in the mother's trunk and extremities exceed recommended limits.