So just for S&G's, I went and grabbed a copy of the policy wording we hand out to every client who takes out travel insurance through us. Flipping to the "General Exclusions" page is this part:
b) Childbirth, complications related to pregnancy or childbirth occurring within the nine weeks immediately before or after and including the expected date of delivery.
c) Medical Treatment incurred by a newborn child following the unexpected birth during your trip.
These are pretty standard wordings and not likely to be unique to our insurer. I'd imagine they are pretty common exclusions across the industry.
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