International Maternity Insurance

We provide answers to your frequently asked questions below:

What if I am already pregnant?

• If you’re already pregnant, you will not be able to get international medical coverage for your pregnancy.
• If you’re pregnant and covered by insurance in your home country, and not planning to deliver while traveling, we have travel plans that cover emergencies related to pregnancy.

What are the best plans, can you compare them for me?

• The short answer is that the GeoBlue plans are the best, especially if you are from the USA and expect to deliver in the U.S.
• The best plan for non-U.S. citizens may be Cigna’s Gold or Platinum plans (silver does not include maternity benefits).
• The other maternity plans are also good. Just remember, higher premiums usually equals better coverage.
• Here is the link to our comparison chart

We are considering not getting maternity coverage. Will I still be able to get insurance for my child?

• Navigator and Xplorer: If enrolled within 31 days of birth, babies are automatically accepted regardless of maternity coverage or not.
• GMMI Platinum: (Maternity is included) The baby is automatically accepted if they are enrolled within 31 days from birth. All other GMI/GMMI plans will require an application which will undergo full medical underwriting.
• Meridian Essential and Enhanced: Medical application must be completed for all dependents to be added. If the application is not received within 30 days of birth, the child will have a separate policy from the family.

We are considering adopting children eventually. Will my child be accepted on my insurance plan?

• GeoBlue Navigator and Xplorer: If added to your coverage within 31 days of adoption, all children are automatically accepted.
• GMMI Plans: An application for the new child must be completed, and they will go through underwriting. A child could be declined or medical conditions could be excluded.
• Meridian Essential and Enhanced: An application for the new child must be completed and they will go through underwriting. A child could be declined or medical conditions could be excluded.

Which plan is best for adopting a special needs child?

• If you think you may adopt a special needs child, we recommend one of the GeoBlue plans. Your GeoBlue plan must be in place before the adoption process begins or your application will be declined.

Can I add maternity insurance benefits later?

• Most of these options have restrictions on switching plans or increasing benefits for maternity care at a later date. You will need to reapply if you want to do this and new waiting periods will be in effect. GeoBlue will allow you to add the maternity benefits at each renewal.

Good Neighbor Insurance will continue to add to this maternity FAQ / Answers page so do bookmark this page for future readings. If we have not answered your questions here, please email us at info@gninsurance.com and one of our trained agents will be glad to get answers to your international maternity insurance questions for you.