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Travel Insurance
IVF Pregnancies EXCLUDED!!


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12 replies to this topic

#1 Schoolmum12

Posted 13 December 2012 - 03:18 PM

Hi, sorry if this is in the wrong area & I'll shift this post.

Does anyone know of a travel insurance company that covers an IVF pregnancy?

Most policies will cover early pregnancy but NOT if it's IVF.  WTF???   What are we at risk of?

Anyway, any advice would be appreciated....

#2 B.feral3

Posted 13 December 2012 - 03:46 PM

I didn't think travel insurance covered pregnancy at all? I was 15 weeks with DS2 when I went to Hawaii and I wasn't covered. (Not IVF)

#3 spitzmum

Posted 13 December 2012 - 03:57 PM

Medibank Private travel insurance - though you'll pay an extra amount on top of the regular premium.

Most don't offer any coverage for illness or hospitalization related to an IVF pregnancy - but they will cover you for non-pregnancy related illness such as breaking your leg etc (and no travel insurance will cover any baby born overseas, regardless of conception method)

#4 scruff101

Posted 13 December 2012 - 08:38 PM

There's a travel insurance company call Cover More which you're able to purchase additional insurance if your pregnancy is achieved through ivf.  You won't be covered once you've past 26 weeks though.

It was an extra $94 on top of the premium we've already paid ($284 for both of us) - DH and I are off to the Maldives in Jan - cancellation cover (if I had a complication and was put on bed rest and unable to go on the holiday), existing medical conditions (ivf pregnancy) was the first thing we made sure we would be covered for!

#5 Lokum

Posted 13 December 2012 - 08:54 PM

Yeah, most will let you pay an extra premium and cover you for complications up to around 24 weeks, (max 32 weeks, i think.)
None will cover for delivery or neo-natal care of an IVF baby born at any gestation or for routine prenatal care.
For this reason, i made sure i was back in australia by 24 weeks - couldnt take the risk of needing NICU care for a micro prem. without insurance. Sucks, as otherwise mine ws a low risk PG. until much later than that.

#6 jai*

Posted 13 December 2012 - 09:14 PM

When I went to the US a couple of months ago I did search for a travel insurance that didn't have a clause excluding assisted conceptions - and I ended up using the insurance attached to my CBA credit card.

#7 newmama2010

Posted 15 December 2012 - 06:17 PM

I used Southern Cross Travel Insurance a couple of months back for Hawaii (I was 14 weeks pregnant) as it covered pregnancy without mentioning IVF exclusions.  Not sure if it's changed since then though.

Edited by newmama2010, 15 December 2012 - 06:18 PM.


#8 fooiesmum

Posted 15 December 2012 - 06:23 PM

Here is some information - https://www.facebook.com/photo.php?fbid=540...e=1&theater

http://www.news.com.au/top-stories/plane-t...9-1111114207387

#9 Maddy41

Posted 19 December 2012 - 09:06 AM

Chartis covers pregnancy - not sure about IVF pregnancies though. A friend travelled to Thailand & had to be hospitalised and they covered everything - it wasn't an IVF pregnancy though.

Also there is a company called World Nomads that is recommended by Lonely Planet that insures lots of people and activities that you can't normally get insurance for.  We have used them several times.

#10 Magenta_

Posted 19 December 2012 - 09:25 AM

Choice just did a review of this and came back suggesting these companies provide the best cover for pregnancy.

"Some insurers exclude pregnancy cover altogether, while many provide limited cover for medical expenses associated with pregnancy up to 20-26 weeks, sometimes with an extra premium. The comprehensive policies for the following insurers ranked well for pregnancy cover. They cover pregnancy and childbirth up to 26 weeks with no additional premium, while Columbus provide an option to extend pregnancy cover to 30 weeks with an extra premium."

Good2Go
Defence Health
Chartis
Columbus

Good Luck!
Magenta

Edited by Magenta_, 19 December 2012 - 09:28 AM.


#11 Three Of Hearts

Posted 20 December 2012 - 08:39 AM

QUOTE (ivfmiracles @ 13/12/2012, 04:18 PM) <{POST_SNAPBACK}>
Most policies will cover early pregnancy but NOT if it's IVF.  WTF???   What are we at risk of?


ohmy.gif Wow!  So if you're like me and live in Victoria you have to have counseling, police check, child protection check etc just to do IVF and now they discriminate against travel insurance?!  Incredible!

#12 dimensionk

Posted 22 December 2012 - 01:00 PM

I don't think family birth centres allow you either. I won't be getting my referral from our FS!

#13 Forum Moderator

Posted 23 December 2012 - 06:15 PM

I'm moving this to Pregnancy/Parenting after problems as it's a more appropriate area for it.

Thanks,
~Mintie~


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