We are with Australian Unity, and i've had obs cover for over a year, so I've served the required waiting periods.

We've got our car and house insurance with them too, which I will mention though I don't think it'd make much difference.

We found out we were having twins at the first obs appt, then went overseas for 2 weeks and had the first ultrasound when we got back, so it would have been impossible for us to get the paperwork back to them in time anyway.

They mentioned pre existing conditions too when I spoke to them, but it seemed to apply to the second twin only, so I'm a little confused that if this was a singleton pregnancy there wouldn't be an issue with first ultrasound timings etc, it's just that there are two babies on the way.

Hopefully they call me back today and I can get a clearer understanding of what the sitch is.