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?
If you are already preganant 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
| 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.
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.
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®
What medical benefits are included in travel insurance for USA visitors?
- 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.
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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.
