Discussions

Does anybody know at how many weeks pregnant you have to be when insurance won't cover you when travelling out of Canada?

Unsure of the answer but consider the number of women last year in the news with hundreds of thousands in hospital bills begging for help to pay them because they wanted to vacation when pregnant is it really worth it? Can you afford it if something does go wrong? If the answer is yes to those feel free to travel but do not expect others to bail you out if you are not covered by insurance in my opinion.

Every company is different, you need to go to a broker and look at the wordings. Don't assume in a case like this, not worth the risk .

I would never ask people to bail me out I'm just starting to plan so that it won't happen. I'm sure I will be fine when I plan to go but will move it up if need to.

I'm sure it's also going to depend on just where you're going and for how long.  
 
Couple of Canadian links well worth going over. Check with your doctor, insurance provider (any underlying medical conditions), etc.  
 
http://travel.gc.ca/travelling/health-safety/travelling-pregnant  
 
http://www.babycenter.ca/a561733/airline-rules-and-travel-insurance-in-pregnancy  
 
Safe travels if you're all cleared to go.

That many policies won't cover pre-existing conditions. Would pregnancy fall into that category? I'm not sure.not sure I would risk it. My mother had blue cross and ended up in the hospital in Arizona.while she was there, the hospital called blue cross and they said yes. Then after mom got home, she got a bill for $10 000 saying blue cross denied it because it was a pre existing condition that she hadn't even been diagnosed with. Luckily she had the money to pay.

xanthe100 said "That many policies won't cover pre-existing conditions. Would pregnancy fall into that category? I'm not sure.not sure I would risk it. My mother had blue cross and ended up in the hospital in Arizona.while she was there, the hospital called blue cross and they said yes. Then after mom got home, she got a bill for $10 000 saying blue cross denied it because it was a pre existing condition that she hadn't even been diagnosed with. Luckily she had the money to pay. "

Call a broker or the insurance company. And if you can, record the conversation or at the very least get them to back up the conversation in writing (in case there are legal issues with recording)  
 
From what I have read, pregnancy is a pre existing condition that will be denied if there is any issue.  
 
Remember that insurance companies are a business that are out to cover their bottom lines. They are looking for any and all reasons to keep their costs down, so make sure you know all the fine print.  
 
I just read a story on one of the news sites where a man who saved up for years to go to (Cuba?), broke his wrist hours after getting off the plane. His insurance company denied his claim of less than $1000 because he had had an alcoholic drink when he got there - it was in the fine print that if they had any alcohol at all claims would be denied. Pathetic huh? He was not drunk, he had had one drink after getting off the plane.  
 
Something for people who go to all inclusives to think about!!