International health insurance with Maternity coverage

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Does US visitor insurance cover Maternity or Pregnancy?

There has been much media coverage of a British couple who’s baby was born 11 weeks premature while they were on a five day trip to New York City (story broke Jan 2, 2015, BBC News Lincolnshire “Premature baby couple ’stranded in US' after birth"). Baby Dax weighed in at only 3 lbs and was last reported as being in good health.

However, the five day trip turned into a possible three month stay (they were allowed home Feb 6, 2015 in a medically equipped jet: this, by the way, is called emergency medical evacuation). At first, the couple did not know whether their insurance would pay for the cost of the birth.

Since then, the hospital has assured the couple (and indeed the world) that there would be no “significant” financial

Medical insurance for pregnancy

Impact on the family since they worked with their home country insurance coverage to pay for their expenses. A friend of theirs also set up a webpage to collect donations to assist the couple in their costs of their extended stay.

This story has highlighted many things about the medical system in the US. At first, there was a general shock at the price tag of the care which was quickly estimated at $200,000. The high cost of medical care is fairly well established and this, perhaps, should alert those not in the know that this is the unfortunate ccase here in the USA However, the story seems to have turned out well for people who did not purchase travel insurance for their trip.

Still, I urge you to consider the following: The cost of neonatal intensive care in the UK reportedly costs £1,500 per day (from “Born too soon - what is the outlook for severely premature babies?" by Fergus Walsh, 12/6/2012 on www.healthynewbornnetwork org). Multiply that by 3 months and that’s £135,000, folks! (or $203,000)! Would YOUR country’s insurance be so willing to fork over this amount?

On the positive side, there ARE resources in the US for those with medical coverage issues. The couple is staying at a Ronald McDonald facility (yes, associated with the fast food chain, McDonald’s) during their three month stay. Such places are commonly found at very reasonable rates usually within walking distance of a hospital for those caring and visiting for relatives in the hospital.

Also, the story has highlighted how the hospital was willing to work with an insurance company (even one across the pond). This, I think, is not particularly noteworthy for those of us in the travel insurance business. However, having coverage for your travel either to the US or wherever your travels take you should certainly ease your mind about having to deal with any such high costs!

I get many calls from individuals interested particularly in travel medical insurance with maternity coverage. There is a policy we sell that would have suited the British couple very well. The policy is called Atlas America. It will cover complications of in the first 26 weeks of gestation. This is the only policy that covers an existing pregnancy. Clearly, it is coverage you hope you do not need, but should you have need, like this couple, it would help cover costs.

The policy is available at $50,000, $100,000, $200,000, $500,000 or $1,000,000. This situation might also highlight another typical question I get: How much insurance should I purchase? I try an urge clients to purchase at least $100,000 coverage. But, as you can see, this would leave $100,000 without coverage (would your country’s insurance coverage pay for that?). $200,000 or $500,000 would have been a comfortable maximum for this couple (hindsight being 20:20)!!

Even with a lower maximum coverage, the policy would cover $25,000 for emergency medical evacuation. I’m not sure what the cost of their evacuation, but the child would still be in neonatal intensive care and in most likely with a physician in attendance during the flight (as well as the company of the two parents). Luckily all our policies (even those with limited coverage) do offer at least some coverage for emergency medical evacuation which in this case could get the parents back to their home country and medical system. Of course, the earlier you are in your pregnancy, the more difficult the delivery (if it comes premature) and the longer you will be in the hospital, so you can use this as a benchmark for estimating a comfortable maximum for your trip.

Atlas America Insurance for complicated pregnancy

There is a US insurance company that covers complications of pregnancy for the first 26 weeks of gestation. The plan is called Atlas America insurance and is unique in having that coverage. Most travel medical insurance policies specifically exclude maternity coverage. Note that if you want to get regular check ups or an ultra-sound, etc. you will have to pay out of pocket. If you do want to do this, simply shop around at some OB offices and tell them you don’t have insurance and how much will they charge for a standard visit. Note that if they send out blood work, that could be an additional cost to figure in. Insurance policies from other countries may cover it, but they may make you pay up front and reimburse you later (ask your insurance provider). Congratulations and good luck!

What are the maternity insurance for foreigners in the USA?

Visitors travel insurance plans for USA and Excluding USA

Already pregnant

Travel Plans to USA:

Atlas America

This plan covers complications of pregnancy only in the first 26 weeks of gestation.
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Atlas Premium

This plan covers complications of pregnancy only in the first 26 weeks of gestation.

Safe Travels USA

It is a comprehensive plan and pays up to $1,000 for emergency medical treatment of pregnancy.

Safe Travels USA Comprehensive

It is a comprehensive plan and pays up to $1,000 for emergency medical treatment of pregnancy.

Safe Travels USA Cost Saver

It is a comprehensive plan and pays up to $1,000 for emergency medical treatment of pregnancy.

Travel Plans to Excluding USA:

Atlas International

This plan covers complications of pregnancy only in the first 26 weeks of gestation.

Safe travels International

It is a comprehensive plan and pays up to $1,000 for emergency medical treatment of pregnancy.

Safe travels International Cost Saver

It is a comprehensive plan and pays up to $1,000 for emergency medical treatment of pregnancy.

INF Elite insurance

  • Covers emergency medical treatment of pregnancy
  • Covers therapeutic termination of pregnancy
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INF Premier

  • Covers emergency medical treatment of pregnancy
  • Covers therapeutic termination of pregnancy
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INF Safe Traveler USA

  • Covers emergency medical treatment of pregnancy
  • Covers therapeutic termination of pregnancy
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INF Standard

  • Covers emergency medical treatment of pregnancy
  • Covers therapeutic termination of pregnancy
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Global Medical Platinum

  • Delivery, preventative care, newborn care & congenital disorders, Family Matters Maternity Program (available after 10 months of coverage).
  • Covers $2,500 additional deductible per pregnancy.
  • $50,000 lifetime maximum.
  • $50,000 lifetime maximum.$200 newborn preventative care benefit for the first 31 days -12 months after birth.
  • $250,000 maximum for newborn care & congenital disorders for the first 31 days after birth.
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Students travel insurance plans for USA and Excluding USA

Navigator for student

  • Covers optional maternity coverage.
  • Provides unlimited annual and lifetime medical maximum.

Student Health Advantage Platinum

  • Covers Maternity and Newborn Care up to $5,000 maximum limit.
  • Benefit includes newborn routine care during the first 31 days of life.
  • Covered pre-Existing condition after a waiting period of 6 months

Student Secure Elite

  • Covers Maternity care for a covered pregnancy up to $15,000.
  • Conception must occur after plan effective date.
  • Covers pre-natal, delivery, and post-natal care as well as expenses for miscarriage and complications of pregnancy.
  • Covers routine nursery care of new borns up to $750, not subject to coinsurance.
  • Covers therapeutic termination of pregnancy up to $500 maximum, not subject to coinsurance.
  • The plan can be renewed up to 4 years.

Student Secure Select

  • Covers Maternity care for a covered pregnancy up to $10,000.
  • Conception must occur after plan effective date.
  • Covers pre-natal, delivery, and post-natal care as well as expenses for miscarriage and complications of pregnancy.
  • Covers routine nursery care of new borns up to $750, not subject to coinsurance.
  • Covers therapeutic termination of pregnancy up to $500 maximum, not subject to coinsurance.
  • The plan can be renewed up to 4 years.

Student Secure Budget

  • Covers Maternity care for a covered pregnancy up to $5,000.
  • Conception must occur after plan effective date.
  • Covers pre-natal, delivery, and post-natal care as well as expenses for miscarriage and complications of pregnancy.
  • Covers routine nursery care of new borns up to $250, not subject to coinsurance.
  • Covers therapeutic termination of pregnancy up to $500 maximum, not subject to coinsurance.
  • The plan can be renewed up to 4 years.

What are the maternity insurance for foreigners in the USA?

Visitor:

If you are already pregnant and traveling to USA:

How much does Travel insurance with maternity coverage cost per month?

The cost of travel insurance for maternity coverage benefit cost ranges from $39 to $63 per month in USA, on factors such as the plan type, coverage level, and the traveler's age.

Plan Name Plan Maximum Deductible Maternity Cost
Safe Travels USA Cost Saver $50,000 $250 Up to $1,000 for emergency medical treatment of pregnancy $39
Safe Travels USA $50,000 $250 Up to $1,000 for emergency medical treatment of pregnancy $43
Atlas America $50,000 $250 Covers complications of pregnancy only in the first 26 weeks of gestation. $50
Safe Travels USA Comprehensive $50,000 $250 Up to $1,000 for emergency medical treatment of pregnancy $50
Atlas Premium America $50,000 $250 Covers complications of pregnancy only in the first 26 weeks of gestation $63

If you are already pregnant and traveling to Outside USA:

The cost of travel insurance for maternity coverage benefit cost ranges from $27 to $53 per month in Outside USA, on factors such as the plan type, coverage level, and the traveler's age.

Plan Name Plan Maximum Deductible Maternity Cost*
Atlas International $50,000 $250 Covers complications of pregnancy only in the first 26 weeks of gestation $27
Safe Travels International Cost saver $50,000 $250 Up to $1,000 for emergency medical treatment of pregnancy $36
Atlas Premium International $50,000 $250 Covers complications of pregnancy only in the first 26 weeks of gestation $38
Safe Travels International $50,000 $250 Up to $1,000 for emergency medical treatment of pregnancy $53

*Cost based 25 years old traveler with duration of 1 month

Planning of Pregnancy:
Plan Name Plan Maximum Deductible Maternity Cost#
INF Standard X $50,000 $250 Covers emergency medical treatment of pregnancy and therapeutic termination of pregnancy $50
INF Safe Traveler USA X $150,000 $500 Covers emergency medical treatment of pregnancy and therapeutic termination of pregnancy $36
INF Premier X $100,000 $250 Covers emergency medical treatment of pregnancy and therapeutic termination of pregnancy $215
INF Elite X $150,000 $500 Covers emergency medical treatment of pregnancy and therapeutic termination of pregnancy $414

#1 INF Elite and Premier cost based on 25 age traveler with duration of 3 months, these plans minimum purchase is 3 months.

#2 INF Standard and Safe Traveler USA X cost based on 25 age traveler with duration of 1 month, these plans minimum purchase is one month.

Longterm coverage for Pregnancy:

Global Medical Platinum insurance cost for maternity is $6843 per year for 25 years old traveler with medical maximum of $8,000,000 and deductible of $250.

Student maternity:

The cost of Student insurance for maternity coverage benefit cost ranges from $100 to $426 per month, on factors such as the plan type, coverage level, and the student’s age. Plans offering comprehensive coverage, including prenatal care, delivery, and postnatal care, are generally more expensive.

Insurance Plans Medical maximum Deductible Maternity Cost *
Student Secure Budget WorldTrips $500,000 $0 Up to $5,000 maximum $100
Student Secure Select WorldTrips $1,000,000 $0 Up to $10,000 maximum $241
Student Secure Elite WorldTrips $5,000,000 $0 Up to $15,000 maximum $374
Student Health Advantage Platinum IMG $1,000,000 $100 Up to $5,000 maximum $408
Navigator for Student GeoBlue Unlimited $500 Covered $426

*The monthly cost of Student insurance for maternity coverage benefit for a 20-year-old student studying in the USA. Source: American Visitor Insurance®

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Steps to buy international health insurance maternity cover online

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Step 1: Finding the available medical insurance with maternity coverage plans

Complete the travel insurance quote request form by providing details of the traveler and insurance requirements

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Step 2: Compare the different travel insurance options

Compare the price and the benefits of the different travel insurance options to identify what fits your needs best

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Step 3: Buy the travel insurance that you like best

Purchase the plan that fits your requirements and budget best by using a credit card and completing the online application.

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Step 4: Review the visitors insurance plan documents received by email

Review the travel insurance policy documents received by email closely for coverage details and relevant contact numbers

Travel insurance for pregnancy USA - FAQs

1. What is the best travel insurance for pregnancy?

Many visitors who are pregnant need visitor insurance for pregnancy coverage. There is no one such insurance cover that is best international health insurance maternity cover. There are some visitor plans and some student medical insurance plans which work well for potential mothers.

The global health plans offer excellent maternity coverage for non US citizens in the US or out, as well as for US citizens who reside outside the US and wish to have medical insurance with maternity coverage. You can browse different options below and review the plan details on our product pages.

2.  What is maternity or international travel insurance for pregnancy?

Maternity or pregnancy travel insurance is a specialized plan that provides coverage for expenses related to pregnancy and childbirth during a trip. It may cover prenatal care, delivery, and postnatal care.

3.  When should I purchase maternity travel insurance?

It's advisable to purchase best pregnancy travel insurance as early as possible, ideally at the time of booking your trip. Some plans may have waiting periods before coverage becomes effective.

4.  Can I get maternity travel insurance if I'm already pregnant?

Some plans may have restrictions or additional requirements if you are already pregnant at the time of purchasing insurance. It's essential to check the specific terms and conditions.

Maternity or pregnancy insurance plans for travelers

Which are the best visitors insurance companies in USA?

You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide and INF insurance.

Which are the best visitors insurance companies in USA?

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