Visitors Insurance and Pregnancy Coverage
Often we find our customers asking us this question: One of the visitors I am expecting is pregnant. Do you have any travel insurance that covers pregnancy and maternity related expenses while visiting the USA?
NO short-term Visitors Medical Insurance would cover for pregnancy and childbirth, while traveling outside your home country.
Avoid International Travel during Pregnancy
It might be unavoidable for some women to travel while they are pregnant for both business and personal reasons. However, unless it is absolutely necessary, it is better to avoid traveling during pregnancy. Pregnancy is medically considered a high risk period. You may face minor problems to serious complications, including morning sickness or pre-term birth, while you are traveling abroad. While there is every possibility of such a situation taking place when you are within the confines of your home, the possibility and complexity of the whole situation increases if you are travelling overseas.
Pregnancy and Visitors Medical Insurance
Since pregnancy is medically viewed as a high risk period, the insurance companies do not usually cover it for short term customers. Typically, international health insurance plans are designed to provide cover for unforeseen illness, injuries and accidents while traveling. Most travel medical insurance plans do not cover maternity, pregnancy, or childbirth. Even the few plans that do provide little coverage impose many restrictions. It is not a cost-effective option for insurance companies to offer coverage for pregnancy and related issues for visitors.
Be Prepared to Pay Big Bills in Emergency
If you are one of those people who cannot avoid foreign travel during pregnancy, it is important to be aware of this limitation. Expect to pay significant medical bills for pregnancy related complications, including childbirth. It is important to be both emotionally and financially prepared to deal with any unforeseen complication of pregnancy while traveling abroad.
If you or your sponsor does not have enough financial strength to deal with such unforeseen situation, one of the few solutions that you have in your disposal is to contact local charitable hospitals or government sponsored programs to find out if you are eligible for some benefits through them.
Responsibility of the Sponsor
If you are planning to sponsor a pregnant woman, without having sufficient financial means in case of an emergency, you may be legally liable to pay for all the charges incurred by her in a public hospital, emergency room, ambulance, or any other public utility service. So before sponsoring a pregnant woman, it is important to be sure that either of you is capable of handling the financial burden of pregnancy related complications.
Buying Visitors Insurance for Other Emergencies
Some of our customers often question: Though the visitor is pregnant, she has had no complications so far and has no plans of giving birth in the USA; is there an insurance policy that would offer coverage for her?
While it is true, that Travel Medical Insurance usually have very little or no coverage for maternity or pregnancy, you can still purchase a medical insurance plan that could protect you against any other sickness or injury, that is unrelated to pregnancy.
You can compare, get quotes & purchase one of the comprehensive coverage plans online at Visitors Insurance that would cover against unforeseen sickness and injury, unrelated to pregnancy or any other pre-existing condition.
If you need more information on insurance or have a specific question, send an email to firstname.lastname@example.org. Our licensed insurance experts will be happy to assist you.