Travel insurance with unborn twins
I live in California and our best friends are getting married in Atlanta at the end of October this year.
My wife and I really want to be able to go (we’re both in the bridal party and our 2yo daughter is supposed to be the flower girl/ring bearer) but I am currently 20 weeks pregnant with twins. So far everything looks good and I’m due to deliver at 36/37 weeks approximately 6/7 weeks before travel.
Obviously there are a lot of things that could prevent us from being able to go (illness, medically fragile babies, rough c-section recovery, etc.), but it could also be fine (hard, but fine).
Flights that are fully refundable are pretty much cost prohibitive. It’s about $1300 for round trips for 3 seated passengers for basic fares (nonrefundable). We’ll need to get a 5 night Airbnb with room for all the babies and my parents who are meeting us there (~$1300), and a minivan rental for ~$600. Some of that may be partially refundable (except flights).
Would travelers insurance with trip cancellation work in this case if I bought it at the same time I book everything? I know most policies waive preexisting conditions if you buy within 14 days, but I can’t add my twins to the policy until they are born, which would likely be after 14 days. Is being born early a preexisting condition for trip cancellation purposes?
To clarify, my family is fully covered for medical. I’m only concerned about trip cancellation and if the can say “oh well, newborn twins being sick doesn’t count because you knew they were coming and would be premature when you purchased the policy”
Is a Cancel for Any Reason add-on worth it here?
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