Traveler’s health insurance for pregnant daughter?

She needs to check with her health insurance provider first. Our health insurance covered us while abroad. We needed to bring documentation of medical care home with us to be reimbursed.

Agree with Suki. Our health insurance thru my husband's employer includes a program called Assist America. Your daughter may have similar coverage. She might also check if it would include medical evacuation, tho health care in the UK is excellent. Also, how far along will she be when she travels? Some doctors advise not traveling after a certain point. I would also consider cancellation insurance, but I'm not sure she could get it at this point.

Check this out:

https://thepointsguy.com/2015/06/airline-rules-for-traveling-while-pregnant/

Wise thing would be to consult with daughter's OBYGN.

I suspect that insurance companies consider pregnancy a pre-existing condition. AIG Travel Guard Medical Evacuation:
https://www.insuremytrip.com/popup/certificate/TGMEST/PREEXPERIOD.html?rev=65

PRE-EXISTING MEDICAL CONDITION EXCLUSION: The Company will not pay for
any loss or expense incurred as the result of an Injury, Sickness or
other condition excluding any condition from which death ensues of an
Insured, Traveling Companion, Business Partner or Family Member which,
within the 90 day period immediately preceding and including the
Insured’s coverage effective date: (a) first manifested itself,
worsened, became acute or had symptoms which would have prompted a
reasonable person to seek diagnosis, care or treatment; (b) for which
care or treatment was given or recommended by a Physician; (c)
required taking prescription drugs or medicines, unless the condition
for which the drugs or medicines are taken remains controlled without
any change in the required prescription drugs or medicines.

You would also want to find out if the Medical Evacuation policy would cover a early birth and the child. Prenatal intensive care can be very costly.

You daughter should check with the airline(s) she'll be taking to/from the UK because she may (or may not) need to provide a physician's certificate to fly at 28 weeks (or later). Then, as noted, she needs to discuss this trip with her health insurance company as to coverage for any medical needs while in the UK. Then, she can look into travel insurance companies to find out what coverages are available and what exclusions might apply. I've used Insure My Trip in the past to get information on and quotes for travel insurance. I'm sure there are other such resources as well.

Check out Geo Blue Travel Insurance. At a quick glance it appears it covers “pre-existing conditions for medical services and medical evacuation”. Look at the Voyager Choice or Voyager Essential single trip plans.

I traveled to England several years ago for three weeks when I was 27 weeks pregnant. Didn’t need anything for the airlines, but things may have changed.

Is she 28 weeks pregnant at this point in time or will she be at 28 weeks when she is scheduled to depart?

Points guy says: Read this guide if you are pregnant or may become pregnant in the near term as you might be surprised at what some of the airlines do (and don’t) require.
https://thepointsguy.com/2015/06/airline-rules-for-traveling-while-pregnant/

Yeah, 28 weeks seems to be a line in the sand, after that they can request confirmation of due date and related health information just to fly. If she were to hit 36 weeks before flying (earlier if twins or more), they can refuse boarding. I assume return would be an issue as well as flying over. I would make sure you discuss first with the Airline, if no issues there, then discuss insurance. I suppose a third issue might be UK Border control, if they see someone show up ready to drop, they might have questions, if nothing else about Medical coverage, length of stay, etc....Border Control Agents have a good deal of power to allow entry or not. You are not guaranteed entry.

Edit: I suppose closer to the original question, if her health insurance will cover at least some expenses over there, that is good. I doubt that evacuation would be included, so if complications occur, she may be hit with a huge expense to return, or be stuck there. In general, some Emergency coverage might not cost anything, and if she does incur expenses, they likely will be much lower cost than expenses in the US, but that is all very general.

1) check with her current medical health insurance company. Some cover medical issues (and possibly coverage for the child) in other countries if in-network providers are used. Lists of providers can usually be found on the insurance co's web site.....good to download that list for places where she will be traveling (specific cities in the UK or connecting cities for flights). Some insurers (such as BlueCross) will have a little suitcase symbol on the insurance card, which indicates travel is covered to some degree or another...but find out the specifics.

2) When you mention "travelers health insurance," do you mean trip insurance? If so, hmmmm, check with each potential trip insurance company to see if they cover pregnancy (and also important the infant after birth). Some regular medical policies (not talking about trip insurance) cover a child at live birth and some X days after live birth....so research carefully. And, be sure if the answer is yes, that the insurance (for any non-refundable trip costs) is purchased within the specified number of days required by the trip insurance to cover pre-existing conditions (again, after clarifying that pregnancy is one of them). Another question I would also ask is: If another issue (separate and aside from the pregnancy happened....such as if she fell), would that issue be covered by itself or would it also then cover the pregnancy (and potentially baby...born or unborn) if the falling (for example) was the cause of the pregnancy complication.

3) Typically trip insurance has a relatively modest limit on medical expenses that they will cover, but often one can purchase additional amounts of medical and also emergency evacuation insurance that would get her to the hospital of her choice (provided a physician signs off that she is fit for travel).

Please post what you learn, as this is truly an interesting question that you post. And, it is a question that needs to be carefully answered and thoroughly investigated as you/she evaluate what might provide a suitable solution.

Delta Airlines currently has no restrictions on flying during pregnancy, doesn’t require a medical certificate.
America Airlines requires doctors certificate if due date is within four weeks of your flight.
British Airways states That a woman caring one baby can’t travel beyond the end of the 36th week, and women carry more than one baby can’t travel after the end of 32 weeks.

Definitely check. You will likely need to disclose that she is pregnant if you need extra travel insurance. Some providers will not cover a 'pre-existing' condition such as pregnancy.

This is a Canadian article bit it gets the point across to check the fine print.

https://business.financialpost.com/personal-finance/avoid-having-your-own-million-dollar-baby-what-pregnant-moms-need-to-know-about-travel-insurance

Yes, read the fine print. Then hope that you can understand what the fine print means.

In addition to the cost of NICU, there is the cost of the parents living in a strange land while the infant is being cared for.

As Edgar said, the cost of a NICU and staying in England until the baby is cleared to travel.

Also very important to register the birth at your Embassy and get a passport for the baby. This registration is baby’s proof of citizenship.

Best of luck.