Insurance for travel to the USA while pregnant
I'm five weeks pregnant and accompanying my husband to the USA for two months. Can I get medical insurance? If so, what companies, premiums and coverage?
Best Answer
Having gone through this with my wife recently, yes, you can still get medical insurance. However you will need to get in contact with the individual travel insurance providers, as some may not cover pregnancy-related issues as it is a pre-existing issue. All will generally cover non-pregnancy-related issues.
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Does travel insurance cover pregnancy in USA?
Travel insurance companies do not cover pregnancy because, in medical terms, pregnancy is considered a period of high-risk, and as such, they will not take financial responsibility for it, especially if it is a normal pregnancy.Is there any travel insurance that covers pregnancy?
Yes. Travel insurance from Allianz Global Assistance can cover losses resulting from unforeseen pregnancy complications, such as pre-eclampsia, gestational diabetes or hyperemesis gravidarum.Does international insurance cover pregnancy?
Pregnancy and Visitors Medical Insurance Typically, international health insurance plans are designed to provide coverage for unforeseen illness, injuries and accidents while traveling. Most travel medical insurance plans do not cover maternity, pregnancy, or childbirth.What are the best travel medical insurance options while pregnant?
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Answer 2
My UK's provider explicitly covered any non-routine medical conditions associated with pregnancy, but not the routine ones (e.g. scans, etc.). We haven't tested it luckily.
I guess you need to find a few quotes from your country, call them and ask. It also might be included in terms and conditions (it was in my case).
Answer 3
Swetha has had her baby by now, but the question came up in the sidebar....
An important thing to consider when buying medical insurance is it usually covers the insured, and only the insured. Swetha was 5 weeks pregnant back in March, if she miscarries while on holiday her treatment will be covered by her insurance.
If you are >7 months and go into labor early, you may discover that your insurance will happily cover your hospital stay but will NOT cover the ICU care for your 6-weeks-premature infant, and that's going to be a LOT of money. The reason is quite simple - the policy is in the mother's name, not the child's. Can't purchase health insurance for someone who doesn't exist yet.
This happened in the late 1990s to an Alberta woman traveling to the states. The government health care back home was eventually shamed into paying the bill.
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