Blog Expect the Unexpected

Expect the Unexpected


Travelling During Pregnancy? Expect the unexpected.

Several of our clients have contacted us regarding the recent article that was released Baby’s Unexpected Birth In U.S. Leaves Australian Family Facing $1,000,000.00 in medical Bills”. We’d like to compare this story with a Torontonian woman’s story who shared a similar ordeal.


Both women were 24 weeks pregnant. Both women went into labor during their trip. This is where the similarities end.


The Australian woman, Mrs. Broom, visiting the U.S., was covered by an Australian insurance policy. The Canadian woman, visiting Jamaica, was covered by a Canadian Group insurance plan.

In the case of the Canadian woman, she did not end up delivering her twins, instead was stabilized in Jamaica : “Luckily the couple had adequate travel insurance and Standard Life paid the entire medical bill. Most Canadian insurance companies insure pregnant women up to 28 weeks.” A Montreal, Canada air ambulance with two incubators and a team of medics flew the Canadian woman back to a Toronto hospital the next day. So we see that the Canadian insurance company was able to make the necessary arrangements to get her to safety.

However, in Mrs. Broom’s case, the Australian travel insurance company refused to pay the claim because her entire pregnancy was considered “preexisting”. As for the Australian, unfortunately she did deliver a premature baby, born at 24 weeks and was refused coverage for the newborn as he/she was not in existence at the time the policy was purchased. As you can well imagine, this type of scenario requires extensive medical treatment, not to mention, the mother’s medical condition herself.

We’d like to take this opportunity to reiterate that there are always risks when travelling while pregnant. Be prudent and verify with your doctor if your are able to travel. As the Canadian woman said it best “Buy travel insurance and stay near a hotel near the best medical facility, or rethink the trip altogether.”


We’re here to help.

Contact Ogilvy

Ogilvy Insurance Is Now NFP

We’re pleased to announce that Ogilvy Insurance has joined the NFP family and transitioned to the NFP brand.

You will be redirected to the home page

For questions please reach out to:

Ontario: Tel - 416.777.2722 or Toll Free: 1.877.364.4589

Quebec: Tel - 514.932.8660 or Toll Free - 1.877.464.4589

Ogilvy Insurance devient NFP

Nous sommes heureux d’annoncer qu’Ogilvy Insurance a rejoint la famille NFP et a intégré la marque NFP.

Vous serez redirigé vers la page d’accueil du site

Pour toute question, n’hésitez pas à communiquer avec nous :

Ontario: Tél. – 416 777-2722 ou 1 877 364-4589 (numéro sans frais)

Quebec: Tél. – 514 932-8660 ou 1 877 464-4589 (numéro sans frais)