Pregnancy

Is pregnancy considered a medical condition? We purchase private insurance through USAA and see that a pregnancy rider is available if you purchase insurance within 30 days of booking. We are not prepared to do that bc we are still unsure if we are definitely going on this vacation. We are trying to get pregnant and if I do become pregnant will probably not go on this vacation. Anyone have experience with this situation?

I see there are a couple of policies through USAA that have benefits for pregnancy. You must purchase the policy before you become pregnant though, and within thirty days of booking.

Your or Your Traveling Companion’s normal pregnancy or attending the childbirth of Your Family Member. The pregnancy must occur after the Policy Effective Date and be verified by medical records.

Suggest you read the policy very carefully and then decide what you want to do.

Is pregnancy considered a medical condition? ?

It may be a medical condition but it's not a covered reason for cancellation unless a special rider is written into and paid for IAW the Terms and Conditions of the policy.

Can't buy fire insurance after the bun is in the oven.

Only you can decide how much you are prepared to risk.

What is worth to you to have peace of mind should you be pregnant and choose to cancel or are unable to cruise.

You might want to consider a "Cancel For Any Reason" (CFAR) policy (add-on to regular coverage, for extra charge).

The one we are familiar with is through TravelInsured, and would pay 75% of the non-refundable costs. One can cancel, literally, for any reason at all, including "just changed my mind" or "didn't like political situation" or "found a better deal" or whatever.

With this policy, one must pay the initial insurance (just for the deposit amount) within 21 days of making the FIRST PAYMENT (regardless of whether it is refundable or not).

There are other policies that have this as an added option, probably ranging from 50-90%. The 90% refund *might* only be something through a cruise company, and only "to be applied to a future cruise". I am NOT familiar with most of these other policies.

The CFAR will add costs, as would "waiver of pre-existing condition exclusions", but the CFAR could substitute for the waiver (although the waiver, IF needed and applicable, would refund 100%).

This might give you the peace of mind you want, at a bit of an additional cost. On the other hand, you wouldn't need to deal with any pre-existing condition exclusion issues/arguments.

GeezerCouple

OP is asking about USAA policies, some of which do offer the type of pregnancy coverage they are looking for, as long as policy is purchased before they are pregnant.