My wife and I need to travel to the United States, but she will be 30 weeks pregnant by the time the trip ends. In addition to it being a very good idea in general, the US effectively requires travel insurance if you're pregnant, but most travel insurance policies only offer cover until 26 weeks. Where can we get a policy that covers her?
Answering my own question because this took a lot of legwork:
We found precisely two insurers who cover travel beyond 26 weeks. (Only for uncomplicated births: no multiples (twins), no IVF.)
Columbus Direct offers coverage up to 36 weeks in some countries. However, if you're based in Australia, their limit appears to be 30 weeks, and that requires an expensive "Pregnancy Extension Option" that pushed the insurance price to over $800 for 5 weeks (!).
ihi Bupa offers cover up to 36 weeks inclusive as a part of their standard policy, and will even provide a letter on request stating so (handy for those US immigration authorities). They're happy to insure residents of any country for travel to virtually any country, and while not cheap, at 323 euros the cost was still about half of what Columbus wanted.
No prizes for guessing which one we went with!
Update: In the end, neither check-in nor US immigration noticed my wife is pregnant, and the birth occurred outside the US as well. So we never had to "test out" the insurance.
jpatokal depending on your duration of visit, are you sure you have read all the clauses in case the delivery happens in the US ? Just so you are informed (and since I have seen a lot of friends suffer) :
Most insurance companies will deny any delivery related claims stating that pregnancy was pre existing when you bought the insurance and if pregnancy specifically isn't covered (pregnancy rider ?) as a pre existing condition then it will take a lot of running around to get your insurance claims. There seems to be a law in place for this specific situation which you will have to google for. From here : http://blogs.webmd.com/health-insurance-navigator/2012/02/three-health-insurance-mistakes-women-should-avoid.html
if you just learned that you’re pregnant and don’t have insurance, you can’t bet on being able to buy coverage now. Pregnancy is considered a pre-existing medical condition and typically leads to denial of coverage for a woman who applies for insurance on the private market.
protected by jpatokal Apr 28 '15 at 11:51
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