Maternity insurance is a prenatal insurance policy plan that can be purchased when one is pregnant. It covers unexpected pregnancy complications that could affect either the mother or the child. Claims are usually disbursed through one-time payouts. This helps to mitigate further medical expenses due to the pregnancy complication. Premiums are not returned and there are no payouts if the pregnancy is successful. Who is eligible for maternity insurance? Expectant mothers who are between 13 to 36 weeks pregnant can purchase maternity insurance. You pay the same premium whether you purchase the policy at the 13-week or 36-week mark. If you are thinking of getting maternity insurance, we recommend you buy it as soon as possible so you benefit from a longer period of coverage, since you pay the same premium....