Maternity Insurance and NIPT?

Hello! Can anyone advise how they handled NIPT/iGene screening at the same time as applying for maternity insurance? Cause NIPT usually done at 12 weeks and maternity insurance you can only apply at 13 weeks. I am afraid what if I get my results back before my insurance coverage is approved. Would I be barred from making a claim if turns out my baby has chromosomal abnormalities? Anyone have experience to share please?