Pregnancy Coverage
for Visitors to Canada

Helping future mothers! Learn all about insurance options for pregnant
women or those only planning to have a baby in Canada.
Are You Currently Pregnant?
In order to see insurance availability, please select the applicable answer – «Yes» or «No»


Frequently Asked Questions
Not sure what to do? Here is a list of our FAQ’s; click the question to unveil the answer
Does any private insurance plan cover childbirth / delivery?
Yes, only if you are not pregnant when you purchase your policy. Inpatriates to Canada insurance plan from Allianz Global Assistance offers a comprehensive Maternity Benefits package for visitors to Canada.

Please note that in order to qualify for such coverage, an applicant must not get pregnant for at least 2 months AFTER the start date (effective date) of their insurance policy.

Allianz Global Assistance reimburses 80% of eligible maternity care costs up to $10,000 for pregnancy complications, delivery and other eligible costs. It also goes by the name of the “Pre-Pregnancy” insurance coverage.

Click to learn more – AGA Inpatriates to Canada Plan

What does private health insurance cover for pregnancy?
Depending on your eligibility for a certain pregnancy health care insurance product, you may receive different benefits.

You can select whether or not you are currently pregnant on this page to learn more about the available maternity insurance options.

Is pregnancy a pre-existing condition for health insurance?
According to the Policy Wordings from the Canadian insurance providers of pregnancy-related emergency coverage, it is not considered a pre-existing condition.

However, if you have had a complication related to your pregnancy, then such complication is considered a pre-existing medical condition, to which standard stability period requirements will apply depending on the policy you select.

What is the average cost of childbirth / delivery without insurance?
The cost for delivery or childbirth is determined by the hospital and the procedures needed to be done during the childbirth itself. If you have insurance that covers delivery partially, you will only be responsible to pay the remaining amount.

It is hard to say how much the average childbirth costs in Canada if you are not covered by any insurance, as prices range from $3,000 to over $15,000.

Is there any Maternity Insurance for newborn babies?
Yes, Allianz Global Assistance offers affordable health insurance that covers maternity as well as provides its coverage to newborn babies, upon approval of the insurance company.

Contact our insurance advisors to learn more about this benefit.

Can I get Maternity Insurance while pregnant?
If you are a pregnant visitor to Canada and not eligible for Government health insurance, you can apply for private pregnancy complications insurance which is provided by Manulife.

Click to learn more – Manulife’s Insurance

The pregnancy complications coverage will take care of the costs for related health emergencies such as bleeding, abdominal pain, premature birth, miscarriage, etc. up to the 31st week of your pregnancy period.

What is the insurance waiting period for pregnancy?
If you are travelling to Canada and are not yet pregnant, you may apply for the Allianz Global Assistance Inpatriates to Canada insurance plan.

This pregnancy insurance plan has a condition stating that your expected date of delivery must be more than 10 months after your policy is in effect. To avoid any potential risks, we strongly recommend to wait for around 2 months after the effective date of the policy commences. If you get pregnant before that time, you will not be eligible to receive maternity insurance benefits under the mentioned policy.

How much does pregnancy insurance cover for childbirth?
The childbirth benefits limit depends on the individual insurance plan that covers pregnancy.

For example, with the Allianz Global Assistance Inpatriates to Canada insurance plan, the overall maternity benefits limit will be $10,000. If you select to purchase the TUgo Platinum Plan, the limit decreases to $3,000.

Can a pregnant Visitor to Canada get a Pregnancy insurance supplement that will cover pre-natal care?
If you are already pregnant and not eligible to receive the provincial health care plan, you can only apply for the travel pregnancy complications insurance which is provided by Manulife.

This policy covers standard medical emergencies for Visitors to Canada as well as providing comprehensive pregnancy insurance for complications including bleeding, premature birth, miscarriage and abdominal pain up to the 31st week of the pregnancy period.

Unfortunately, pregnant visitors to Canada are not covered for delivery or pre-natal care.

I am visiting Canada and plan to have my child there. However, I am not yet pregnant; is there any pregnancy insurance coverage available for me that includes delivery and other related costs?
Yes, there is a single medical insurance plan for visitors to Canada that covers delivery. Allianz Global Assistance Inpatriates to Canada offers you comprehensive health insurance for standard medical emergencies along with Maternity Care insurance benefits that cover up to 80% of the eligible costs associated with pregnancy including delivery and prenatal care. The maximum amount of premium for pregnancy-related costs is $10,000.

For more information use the following link – Allianz Inpatriates Plan.

I am a Foreign Worker / New Immigrant / Returning Canadian, who is currently pregnant, but there is a waiting period of about 90 days before my provincial health coverage kicks in, do I have any options for pregnancy coverage?
Yes, you do. It is recommended that you purchase short term health insurance for pregnancy complications in Canada which is provided by Manulife. This insurance policy will also protect your money from other costs of medical emergencies that may happen while awaiting your government health care plan.

For more information please refer to the following webpage – Pregnancy Complications Coverage.

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