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Question:

Pregnancy medical insurance I have a few questions before I purchase travelers insurance. My wife and I are traveling to the US from 05/01/2016 to 07/19/2016. I would like a plan that could have us both covered for that period of time. My wife is currently pregnant and she is due 08/02/2016 but we are planning to come back from the US before that date (07/19/2016). Honestly I am mainly getting the insurance for my wife because if anything happens she is covered. My questions are: 1-Can I purchase an Insurance policy for my wife if she is pregnant? If so: 2-Could that cover any emergencies related to pregnancy? 3-In the theoretical scenario that my wife gives birth during our trip, will that be covered by the policy? I definitely would like to get answers to this questions because I do not want to look like I am trying to take advantage of this. I want to fully disclose my situation before getting the Travelers Insurance. Thank you for your attention to this email.

Answer:

Thank you for contacting Insubuy for your insurance needs. As it pertains to pregnancy there are no plans that will cover the cost of maternity or labor and delivery for your wife while she will be here. This would be an expense that you would pay for out of pocket. Certain plans if eligible would only cover at most for pregnancy complications up to 26 weeks ( please see the FAQ below for more information). Any plan purchased would only cover for any new accident or new illness that occurs after the effective date of the policy unrelated to pre-existing conditions. Pregnancy / Maternity FAQ : /us-visitor-insurance-for-pregnancy-coverage/ Please feel free to contact us if you have any further questions.

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Visiting USA?

Healthcare costs are very high in the U.S.

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Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

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You are not eligible to enroll in Medicare for the first 5 years.

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You could lose your non-refundable trip costs if you had to cancel your trip.

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The U.S. Department of State requires all J visa holders to purchase compliant insurance.

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Schengen countries require most non-US citizens to purchase Schengen visa insurance.

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You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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Most schools require international students to purchase health insurance.

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