Can you get insurance if you are not pregnant but are trying to conceive?

Answer 1

The simple answer is Yes. You can obtain health insurance if you are trying to conceive, you are actually even able to purchase health insurance in the event that you are already pregnant. But (and it is a BIG but) you should be aware that almost allhealth insurance plans will place a waiting period on maternity coverage.

A waiting period is the amount of time from the start of a plan where you are not eligible to claim for treatment for a specific condition.

If, for example, a maternity benefit on a health insurance plan has a waiting period of 10 months; this means that you will not be able to claim for any treatment that you have received in conjunction with your pregnancy if it was obtained before you were on the plan for 10 months.

The waiting periods concerning maternity are different with almost all insurance companies. Some plans will stipulate that you only have to be on the policy for a certain period of time until you can claim treatment, while others will impose a waiting period until conception (typically 12 months).

So yes you can obtain insurance, but you may not be able to claim for the treatment, depending on the policy conditions of the plan that you purchase. I recommend talking to a broker or an agent who will be able to give you the best option for your situation.