Maternity or pregnancy insurance plans for travelers

Already pregnant

Atlas America
  • This plan covers complications of pregnancy only in the first 26 weeks of gestation.
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  • It is a comprehensive plan and pays up to $1,000 for emergency medical treatment of pregnancy
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  • It is a comprehensive plan and pays up to $1,000 for emergency medical treatment of pregnancy
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  • It is a comprehensive plan and pays up to $1,000 for emergency medical treatment of pregnancy
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Long term coverage

  • Delivery, wellness, new born care & congenital disorders, Family Matters Maternity Program (available after 10 months of coverage).
  • $2,500 additional deductible per pregnancy.
  • $50,000 lifetime maximum.
  • $200 newborn wellness benefit for the first 31 days to 12 months after birth.
  • Newborn care & congenital disorders maximum of $250,000 for the first 31 days after birth.
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  • After 364 days of continuous coverage, Xplorer members may apply for a new plan that covers maternity costs in the same way as all other medical conditions.
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Planning for pregnancy

INF Elite insurance
  • Covers emergency medical treatment of pregnancy up to 80% of covered network charges up to the overall maximum benefit.
  • Includes private duty nurse up to 80% of covered network charges up to the overall maximum benefit
  • Covers Therapeutic termination of pregnancy.
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  • This plan covers pregnancy & childbirth up to 80% of covered network charges up to the overall maximum benefit (Conception must occur after policy effective date).
  • Includes private duty nurse up to 80% of covered network charges up to the overall maximum benefit
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  • This plan covers pregnancy & childbirth up to $5,000 and $500 for private duty nurse for plan maximum $100,000
  • Pregnancy & childbirth up to $5,500 and $550 for private duty nurse for plan maximum 150,000
  • Conception must occur after policy effective date.
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  • This plan covers pregnancy & childbirth up to $4,500 and $400 for private duty nurse for plan maximum $50,000
  • Pregnancy & childbirth up to $5,000 and $500 for private duty nurse for plan maximum 100,000
  • Pregnancy & childbirth up to $5,500 and $550 for private duty nurse for plan maximum 150,000
  • Conception must occur after policy effective date.
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Navigator for student
  • After 364 days of continuous coverage, GeoBlue Navigator members may apply for a new plan that covers maternity costs in the same way as all other medical conditions.
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  • Covers Maternity and Newborn Care up to $5,000 maximum limit.
  • Benefit includes newborn routine care during the first 31 days of life.
  • After deductible is met, company pays 60% of eligible expenses out-of-network(U.S.), 80% in-network(U.S.) and 100% internationally
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  • Covers Maternity care for a covered pregnancy up to $25,000.
  • 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.
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  • 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.
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  • 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.
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  • Maternity Care for a pregnancy to be covered: Up to $500 conception must occur 180 days after coverage begins.
  • Routine Newborn care: Up to $250 per newborn child
  • Benefits reduced 25% for failure to notify us within the first 90 days of pregnancy.
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Maternity Care for a pregnancy to be covered:
  • Inside the United States - In PPO Network: 80% up to $10,000, Out of PPO Network: 60% up to $10,000
  • Outside the United States - 80% up to $10,000
  • Routine Newborn Care: $500 per newborn child
  • Benefits reduced 25% for failure to notify us within the first 90 days of pregnancy.
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Maternity Care for a pregnancy to be covered:
  • Inside the United States - In PPO Network: 80% of eligible expenses after the deductible, up to the overall maximum; Out of PPO Network: Up to the overall maximum
  • Outside the United States - 100% coinsurance up to overall maximum.
  • Nursery Care of Newborn: Up to $250 for Standard plan; Up to $750 for Preffered 300 and 500 plans.
  • Covers pre-natal care, delivery, and post-natal care related to a covered pregnancy which began after the effective date of coverage.
  • Covers therapeutic termination of pregnancy up to $500 maximum, not subject to coinsurance.
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What does visitor travel insurance cover?

medical expensesHealth care expenses
Covers hospital expenses for sickness or accidents.
doctor visitDoctor visit
Insures Doctor visits for sudden injury or sickness.
pharmacy drugsPharmacy drugs
Doctor prescribed eligible pharmacy drugs expenses.
pre-ex conditionPre-existing conditions
Some plans insure acute onset of pre-existing conditions.
medical evacuation Medical evacuation
Medical evacuation expenses to nearest facility included.
repatriation of remains Repat of remains
Repatriation of remains to home country included.

Student health insurance with Maternity Coverage for Dependents

Students and scholars on F or J visas have the best coverage for maternity coverage. However, the benefits have been reduced a few years ago such that the best coverage is 80% coverage of costs, so the students will have to be aware that they will be responsible for a portion of all costs. Also note that unless their wife is the J1 visa holder they will have to be the primary on the policy and the wife (with J2) will be secondary.

Also note that prices are DIFFERENT for the primary and the spouse, so when students quote the prices, quote them for two people at the same time since the cost will be MUCH HIGHER for the wife's coverage. There are five policies that cover maternity at an 80% coverage without a set limit on benefits. Here is the list in order of their approximate cost. Note that conception has to occur after the start of the plan and most plans ask that students must let them know at least three months before the delivery date.

  • Study USA Pref 300 and Pref 500 both cover maternity at a 80/70% (in network/out of network). Conception has to occur after the start of this plan.
  • Liaison Student Plus have a $10k limit on maternity benefits at 80/60 coverage respectively.
  • Student Secure Elite, Select and Smart plans also cover at 80/70% to the maximum of the plan. The Select plan can be purchased with a $300k maximum, Smart plan can be purchased with a $250k maximum and the Elite can be purchased with $500k.
  • Student Health Advantage Platinum has a $5000 maximum limit to maternity and newborn care coverage. It has a $1 million maximum and a $35 deductible and covers at 80/60%. The plan also covers pre-existing conditions with a 6 month waiting period

Maternity or Pregnancy Insurance for US visitors

Many visitors to the US may need US visitor insurance for pregnancy coverage. There are a few visitor plans and some student medical insurance plans which work well for potential mothers. Note that for student plans, often the student (F1) must be the primary insured; (coverage is not always available for a dependent spouse).

Our global health plans (which have long term coverage) provide 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 international health coverage. You can browse different options below and review the plan details on our product pages.

pregnancy insurance for travelers
For global health plans, 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 five days. Visitor and student health plans are guaranteed and there are no medical questions or waiting periods for coverage.

Please note that the visitor and student medical insurance plans will not cover pregnancy and maternity process for an existing pregnancy (that is, conception before the plan is effective) and some plans have waiting periods. The only plan which offers coverage for an ongoing pregnancy is Atlas America and its coverage is limited.
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