Maternity and Pregnancy Insurance for visitors, Visitor pregnancy and maternity insurance coverage
Maternity and Pregnancy Insurance:
As you know, we at American Visitor Insurance are dedicated to our customers and providing them with updated, accurate information is our main goal. Many customers call and want to buy medical insurance for visitors that will cover an existing pregnancy. Please be assured that such insurance does not exist. The best option is Atlas America which covers “complications of pregnancy in the first 26 weeks of gestation”. However, this will not cover birth or newborn charges. If you are planning for a pregnancy in the future, then you can find insurance that will cover such a situation, but coverage must usually start 12 months BEFORE conception AND it must be a global medical insurance policy that specifically does cover maternity. Visitors insurance policies specifically exclude maternity, pregnancy and any contraception even if conception happens during the policy period. The only exception to this is in a few student health insurance policies and in this case the insured must be a full time student.
Pregnancy and Maternity coverage - Summary
Since many clients often inquire about coverage for pregnancy and maternity, what follows is a synopsis of coverage options from multiple insurance companies. Since American Visitor Insurance deals with all major visitor insurance companies, we are able to offer you many products so you can compare prices, coverage, save money and get exactly the insurance you need!
Some policies with excellent coverage are found in the global health insurance category, however, these require a 10 to 12 month waiting period. Please note that you will have to answer medical questions and your application will have to go through the insurance company's underwriting process that in the busy season could take as long as 5 days. These policies are:
Major medical - Global plans with pregnancy coverage: |
Maternity Coverage in the global health insurance category: |
Reside Worldwide : This is a fixed global health insurance option. They have a 12 month waiting period like the other insurance options in this category; however, they are much more economically priced AND have the added benefit of not requiring the purchase of a "Maternity Rider" (like the options below require in the amount of $2500 extra in premium). For this policy, maternity coverage is automatic after the first year of coverage. Since it is a fixed policy, they only cover a set amount for normal and C-section delivery which varied depending upon your residence. However, in places were medical expenses are not that high, this might be just the policy for you at just the right price. And you can rest assured that you and your growing family will be covered!
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Global Medical Insurance The Global medical plans have a 10 month waiting period. They do have an optional rider with the Silver and Gold plans. These plans have benefits of 5k normal delivery, 7.5k c-section with only 50% benefits in between 10 and 12 months. The Platinum plan offers coverage as any illness with additional $1000 deductible.
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Reside Prime : The Reside Prime has 12 month waiting period; graded $1000 per year with same insurance policy up to $5,000 per pregnancy, $50/day in hospital, graded newborn coverage same as maternity. This plan requires the insured to be outside the US for six months during each effective policy period.
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Global Citizen : Global Citizen (HTH) offers a plan that will cover maternity costs after 12 months of coverage; and, it does not appear that you can shorten this waiting period with prior coverage because they say the insured can apply for a new plan that covers maternity after 12 months of coverage.
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Visitor medical insurance with pregnancy coverage: |
| These insurance policies offer limited pregnancy coverage. However, they are economically priced and are guaranteed. If you apply today, you could have coverage as soon as tomorrow with no need to answer any medical questions. |
Inbound Immigrant: The Inbound Immigrant plan is available for those that do not want to wait out the 12 month wait period for coverage. It is a fixed benefit plan and only pays up to $2,800 per pregnancy AND conception must occur after the insured is covered for at least 3 months.
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Atlas America Insurance plans : Although they do not offer full coverage, the Atlas series of products (Underwritten by Lloyds) cover complications of pregnancy within the first 26 weeks of gestation. However, since they don't actually cover the child birth. On the other hand, for women who are traveling while in the first half of their pregnancy and do not intend to deliver abroad, this may be just the type of coverage they require.
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Student Medical Insurance plans with pregnancy coverage: |
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Student health insurance policies offer fairly good coverage (UC&R) for pregnancy. The primary insured must be enrolled full time as a student in order to be eligible for these policies. For these policies, the pregnancy is covered so long as conception occurred after the effective date of the policy and sometimes 3 months after the effective date of the policy. Note that Liaison Student (Seven Corners) and Student Secure (MNU), however only insure a spouse at a reduced ($50k) coverage, not the $250k or $300k policy max which could be an issue if the spouse is not the student; on the up side a normal pregnancy will probably not exceed $50k. Note that the Liaison Student plan can only be used for 12 months MAX; Student Secure can be used for up to 4 years. |
Student Secure plan:
The Student Secure plan insures a spouse at a reduced ($50,000) coverage and not up to the $250,000 or $300,000 policy maximum which is available to the student. This can be an issue if the spouse is not the student. On the positive side a normal pregnancy should not exceed $50,000. The Student Secure plan can be renewed up to 4 years.
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Liaison Student plan:
The Liaison Student plan insures a spouse at a reduced ($50,000) coverage, not the $250,000 or $300,000 policy maximum that is available to the student. This can be an issue if the spouse is not the student, however a normal pregnancy should not exceed $50,000. Note that the Liaison Student
plan can only be used for a maximum of 12 months.
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Study USA Healthcare plan:
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US Student abroad plan:
The US Student abroad plan is offered by HTH worldwide and is available only for US citizens. This plan does not allow dependent coverage so the insured must be female and the spouse must find a different plan.
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Global Student Plan:
The Global Student plan is offered by HTH worldwide. This plan does not allow dependent coverage so the insured must be female and the spouse must find a different plan.
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