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Visitors Insurance & Pregnancy Coverage
A question that we often get from our customers is, “One of the visitors that I am expecting is pregnant. Do you have any insurance that would cover their pregnancy and maternity related expenses while traveling in the USA?” The short answer to this is: No. No short-term visitor’s medical insurances would cover for pregnancy and childbirth, while traveling outside your home country.
Avoid International Travel during pregnancy
It might be unavoidable for some women to travel, while they are pregnant for both business and personal reasons. However, unless it is absolutely necessary, it is better to avoid traveling during pregnancy. Pregnancy is medically considered to be a high risk period. The problems, one can face during international travel, could range from minor problems like morning sickness to major complications like pre-term birth. While this can happen even in the confines of one’s own home, the possibility and the complexity of the whole situation increases if one travels internationally.
Pregnancy& Visitors Medical Insurance
Since pregnancy is medically viewed as a high risk period, the insurance companies do not usually cover it for short term customers. Typically International Medical plans are designed to provide cover for unforeseen illness, injuries and accidents while traveling. Most travel medical insurances do not cover for maternity, pregnancy or childbirth. Even the few plans that do provide little coverage have too many restrictions attached to it. It is not cost effective for insurance companies, to cover for pregnancy and related issues, for visitors.
Be Prepared to Pay Big Bills in Emergency
If you are one of those people who cannot avoid foreign travel during pregnancy, it is important to be aware of this limitation. The medical bills for pregnancy related complications including childbirth can be significant. It is important to be both emotionally and financially prepared to deal with any unforeseen complication of pregnancy, while traveling.
If you or your sponsor does not have enough financial strength to deal with such unforeseen situation, one of the few solutions that you have in your disposal is to contact local charitable hospitals or government sponsored programs to find out if you are eligible for some benefits through them.
Responsibility of the Sponsor
If you are planning to sponsor a pregnant woman, without having sufficient financial means in case of an emergency, you may be legally liable to pay for all the charges incurred by her in public hospital, emergency room, ambulance or any other public utility service. So before sponsoring a pregnant woman, it is important to be sure that either she or you are capable of taking the financial burden of pregnancy related complication, if you need to.
Buying Visitors Insurance for Other Emergencies
Some of our customers often say that ‘the visitor is pregnant, has no complications so far, and has no plans of giving birth in the USA, is there insurance that would cover for her?’
While it is true, that travel medical insurances usually have very little or no coverage for maternity or pregnancy, you can still purchase a medical insurance plan that could protect you against any other sickness or injury, that is unrelated to pregnancy.
You can compare quotes & purchase one of the comprehensive coverage plans online at http://www.visitorscoverage.com/compare/ that would cover against unforeseen sickness and injury, unrelated to pregnancy or any other pre-existing condition.
If you need more information on insurance, send an email to "support@visitorscoverage.com” or
call us at toll free number: 1-866-384-9104. Our licensed insurance experts will be happy to assist you.
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