Which is the best US visitor travel insurance for pregnant women?
People from foreign nations visit the US for different reasons be it a vacation, spending time with kids and grandchildren, education, work, research, sporting activities and more. It is obvious that they need the best medical insurance coverage for any new sickness and injury that they might encounter during their stay in the US.
Do remember that each visitor is on a different visa status and the insurance plans that they buy must satisfy that status requirement. There are various kinds of plans available in the market today.
One request that is often seen coming from visitors visiting US is on the pregnancy and maternity coverage availability in the insurance plan. Some ask for this benefit before conceiving and most of them want to know about this coverage while they are pregnant.
It is important to note that the travel insurance plans or visitor insurance plans which are for short term and temporary basis do not provide coverage for an existing pregnancy. Pregnancy is considered high risk period and insurance company do not cover it. Most customers have a hard time getting this detail clear in their mind. Travel or Visitor Insurance plans are mostly for unexpected, unforeseen illness and injuries.
American Visitor Insurance offers several student plans and longer term Global Plans that offer pregnancy and maternity coverage. However, please note, all these plans have a waiting period. These are mostly student plans catered for international students and Global plans which are for permanent residents, Non US citizens and US Expats anywhere in the world.
What are the maternity insurance for foreigners in the USA?
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Already pregnant
Travel Plans to USA:
Atlas America
This plan covers complications of pregnancy only in the first 26 weeks of gestation.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.Planning for pregnancyINF Elite insurance
- Covers emergency medical treatment of pregnancy
- Covers therapeutic termination of pregnancy
INF Safe Traveler USA
- Covers emergency medical treatment of pregnancy
- Covers therapeutic termination of pregnancy
INF Premier
- Covers emergency medical treatment of pregnancy
- Covers therapeutic termination of pregnancy
INF Standard
- Covers emergency medical treatment of pregnancy
- Covers therapeutic termination of pregnancy
Long term coverageGlobal 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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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 benefits of buying USA travel insurance?
- Health care expenses: Covers hospital expenses for sickness or accidents.
- Doctor visit: Insures Doctor visits for sudden injury or sickness.
- Pharmacy drugs: Doctor prescribed eligible pharmacy drugs expenses.
- Medical evacuation: Medical evacuation expenses to nearest facility included.
- Repat of remains: Repatriation of remains to home country included.
- Pre-existing conditions: Some plans insure acute onset of pre-existing conditions.
Resourceful tourist insurance USA information
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Travel insurance for pregnancy - FAQs
1. Does travel insurance cover pregnancy?
Travel insurance plans do not cover routine pregnancy or maternity expenses. If you need coverage for pregnancy-related costs during your trip, you may need to purchase a specialized maternity or pregnancy travel insurance plan. Always carefully review the policy terms to understand the coverage details and limitations.
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 travel insurance for pregnant women 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.
