Maternity Insurance: Pregnancy while Living Abroad

Selecting the right maternity insurance as part of your international health insurance plan ensures peace of mind during your pregnancy abroad. Consider your coverage needs and make sure the plan includes the benefits that matter most to you.

Here are some tips to help expats choose the right maternity plan:

• What’s Covered? Make sure the plan includes pregnancy complications, childbirth, newborn care, and congenital conditions.
  
• Know the Details. Read the fine print to understand exactly what’s covered and what’s not.
  
• Customization. Look for a plan that lets you tailor coverage to your needs and lifestyle.
• Cost vs. Benefit. Compare premiums against coverage limits and benefits. A slightly higher premium in exchange for more extensive coverage may save you thousands of dollars if complications occur, giving you better financial security.
• Optional Add-Ons. Some plans let you add fertility support, prenatal wellness programs, or extended newborn coverage, which are worth considering based on your needs.

The Top Insurance Companies for Pregnancy Abroad

Some of the best international health insurance providers for pregnancy coverage include VUMI, Allianz Care, AXA, and Cigna Global. 

These insurers offer comprehensive maternity benefits such as worldwide coverage, routine maternity care, pregnancy and childbirth complications, medically necessary C-sections, and newborn care.

Each of these global insurance companies is trusted by expats worldwide and recognized for their reliability, extensive coverage options, and tailored maternity insurance plans for mothers and babies living abroad.

VUMI Expat Maternity Insurance

VUMI offers a Global Flex Ultra plan and a Global Flex Total plan. This grants expats the choice to have routine maternity coverage for USD $15,000 or USD $20,000.

VUMI Global Insurance Plan

• Over 35 Years of Experience
• Flexible Plans
• Maximum Annual Benefit Limit up to USD $4,500,000
• Exclusive Proprietary Medical Network

Plan Details Get a Quote

Allianz Care Expat Maternity Insurance

Allianz Care now offers three updated core inpatient plans: Care Signature (previously Care Pro), Care Enhanced (previously Care Plus), and Care Base (previously Care). Outpatient plans have also been renamed to align with the core levels: Care Signature OPD, Care Enhanced OPD, and Care Base OPD. Each outpatient plan must now be purchased in accordance with its corresponding core plan.

This combination provides expat women with comprehensive coverage, including pregnancy complications, fertility treatment, pregnancy yoga or pilates, breastfeeding consultation, and post-natal counselling.

Allianz Care Health Insurance

• World-leading Health Insurance Provider for Expats
• Extensive Network With Over 1.9 Million Medical Providers
• Quick and Efficient Claims Process
• Maximum Plan benefit up to USD $4,000,000
• Flexible deductibles for inpatient and outpatient plans

Plan Details Get a Quote

AXA Expat Maternity Insurance

AXA Global offers a Prestige plan and a Prestige Plus plan with routine maternity coverage of USD $16,000 and USD $19,200, respectively. Contact us to learn about all the maternity benefits offered by AXA international health plans.

AXA Global Health Insurance Plan

• Experienced Personal Support 24/7
• Easy Online Access
• Virtual Doctor Service
• Mind Health Support
• Maximum Annual Benefit Limit up to USD $8,000,000

Plan Details Get a Quote

Cigna Global Expat Maternity Insurance

Cigna Global has stellar Gold and Platinum insurance plans with inpatient routine maternity coverage up to USD $7,000 and USD $14,000, respectively. Cigna also offers coverage for congenital conditions, newborn care, and more.

Cigna Global Insurance Plan

• Worldwide Coverage (excluding the US)
• Access to Cigna's trusted network of hospitals and doctors
• Numerous Deductible Options
• 24/7 Customer Support
• 4 Core Insurance Plans

Plan Details Get a Quote

The following chart compares some of the maternity benefits offered by these top pregnancy insurance providers for international expats. There may be multiple values in each field to display the various plans offered by that insurer.

To learn more about each of these providers and their various maternity policies, contact Pacific Prime today.

See more of the many top international insurance companies for expats here.

When choosing international health insurance for pregnancy, understanding what’s included in maternity coverage is essential. Most global insurers provide a standard maternity package with prenatal and postnatal care, hospital delivery costs, and medically prescribed C-sections.

Most maternity insurance benefits typically include:

• Prenatal and postnatal treatments and examinations

• Medically prescribed caesarian sections

• Normal deliveries

• Deliveries with complications (which complications that are covered may vary)

• Deliveries following fertility treatments

• Hospital and/or home delivery costs

• Childbirth and newborn care (up to a certain limit)

For expats who want broader protection, many insurers allow you to add extra maternity coverage to your plan. These comprehensive benefits may include:

• Extended care for newborn children

• Fertility treatments and assisted reproductive procedures

• Coverage for congenital birth defects

• Treatment for unexpected newborn complications

• Breastfeeding support services

Top international insurance companies allow expats to add customized maternity coverage to their health plans. As your insurance broker, we work directly with providers to negotiate the best options and make sure you find a policy that satisfies both your needs and budget.

Because pregnancy and newborn complications can lead to high hospital bills, securing comprehensive maternity insurance ensures both mother and baby are protected if NICU or ICU hospitalization is required for an extended period.

Here is a list of the comprehensive maternity benefits international expats may choose to add to their health plans:

• Extended care of newborn children

• Fertility treatments

• Congenital birth defects

• Medical treatment for unexpected newborn complications

• Breastfeeding services

April International provides an extensive maternity benefits option in their plans that covers neonatal disabilities, such as preterm birth, that require an extended NICU stay.

The easiest way to get maternity and pregnancy coverage abroad is to work with a trusted insurance broker like Pacific Prime. Brokers focus on helping clients find the right plan for their needs and budget, comparing policies across multiple international insurers. 

At Pacific Prime, we’ve helped thousands of expats purchase maternity coverage. Whether your current health plan excludes maternity or other services, we can help you add a plan that covers these essential benefits.

As an award-winning global insurance broker, Pacific Prime has assisted over one million expats in securing comprehensive health insurance worldwide. Contact us today to find out how we can help you get the maternity coverage you need.

Compare Expat Pregnancy Insurance Policies and Quotes

Finding the right maternity insurance for expats is easier with our quote comparison tool. This unique resource lets global expats compare multiple international insurance providers and plans side by side, with estimated quotes tailored to your needs.

You can save your favorite quotes and plans on this tool for later reference, and our experts can answer any questions you have about the plans available in your country. Get the clarity you need to choose the best coverage for your pregnancy abroad.

Can I get maternity insurance if I’m already pregnant?

If you are already pregnant, most insurers will not issue a maternity insurance policy. International maternity insurance requires that you are not pregnant at the time of application, with coverage starting only after a waiting period.

How long is the waiting period for maternity coverage on expat plans?

Waiting periods, also called moratoriums, are typically 10 to 12 months, or up to 24 months before maternity benefits become active, so it’s important to plan ahead and secure maternity insurance well in advance.

Are pregnancy complications covered under expat maternity insurance?

Many comprehensive expat maternity plans cover pregnancy and childbirth complications, though the exact conditions vary by provider. It’s best to consult with a trusted insurance broker to make an informed decision.

What newborn care is included with maternity coverage?

Newborn care often includes hospitalization, health checks, vaccinations, and congenital condition coverage for a limited number of days after birth.

Does expat pregnancy insurance cover infertility?

Most international maternity insurance plans exclude infertility treatments such as IVF. Some may cover diagnostic testing, but coverage is limited. Always review policy details carefully.