Generally, travel insurance policies do not provide Trip Cancellation coverage or Emergency Medical coverage for normal pregnancy and childbirth. This is because travel insurance is designed to provide coverage for unforeseen events, and a normal pregnancy is considered a foreseeable event.
Both pregnancy and childbirth are excluded under all Tin Leg policies. However, Tin Leg’s Economy, Standard, and Luxury policies all cover complications of pregnancy. Tin Leg defines complications of pregnancy as a condition whose diagnosis is distinct from pregnancy but is adversely affected or caused by pregnancy.
For travelers that want the added coverage of cancellation for normal pregnancy, we recommend purchasing an upgraded Cancel for Any Reason policy that is offered by both the Tin Leg Standard and Luxury policies. Cancel for Any Reason provides 75% reimbursement of your trip cost and requires you to purchase a policy within 14 days of your initial trip deposit, insure 100% of your prepaid, non-refundable Trip Costs and cancel your trip no less than 72 hours before your scheduled trip departure.