Pregnancy and childbirth related expenses are generally not covered under any kind of travel medical or visitors insurance plans due to their short-term nature. This is because the insurance industry is regulated by the Department of Insurance and the plans are designed to provide coverage for anything new and unexpected or unplanned. Because of this, visitors are required to pay for any pregnancy or childbirth related medical visits out of their own pocket.
It is important to note that travel medical insurance is for any unexpected illnesses, injuries, or accidents that may occur after purchasing a policy which is why it is still imperative that you obtain protection should you find yourself in such a situation. As a precaution you can consider purchasing Safe Travels Comprehensive. In addition to its standard benefits, this plan will provide up to $1,000 in coverage for emergencies related to pregnancy but still, this excludes childbirth.
Insurance rates are regulated by law. You can't find the same insurance plan for a lower price anywhere else