I just called my insurance company on Friday. They can use either the date of placement or the date the paperwork is finalized depending on the circumstances. I talked to a very nice lady who said they are required by law to cover adopted children and they will accept any reasonable and provable date. I explained the paperwork was probably going to be dated mid-Oct while I would not be back from pickup until mid-Nov. She said as long as I have something showing the date I took placement of the child (such as the visa or a letter from my agency certifying placement), that date would be used (not the mid-Oct date the protocolo was signed).
So I'm hopeful I won't have any issues. But of course past experience with insurance companies leaves me with some doubt.
