Welcoming a baby into the world is one of life’s most precious moments — but for non-residents of Canada or those awaiting their provincial coverage , the financial implications of giving birth or experiencing pregnancy-related complications without insurance can be overwhelming.
Whether you are already pregnant or planning to start a family in the near future, it’s essential to understand your insurance options while visiting Canada.
If You Are Already Pregnant
If you’re pregnant and planning a visit to Canada, or are already here on a temporary visa, your options for medical coverage are limited — but not impossible.
Our Visitors to Canada Emergency Medical Plan provides a critical layer of protection. This is a standard emergency medical policy designed for visitors, but with a key enhancement: it also includes coverage for unexpected complications of pregnancy up to the 31st week.
These complications can include:
It’s important to note that this plan does not cover routine prenatal care or the cost of a planned delivery.
However, should something go wrong before the 31st week, this policy ensures that you are not left facing thousands — or even tens of thousands — of dollars in medical bills. Coverage for these types of complications provides peace of mind during an already stressful situation.
If You Are Not Yet Pregnant
If you are planning to become pregnant while living in Canada and considering giving birth in Canada as a non-resident, you have more comprehensive insurance options available to you.
Our Travcare Comprehensive insurance plan is designed to cover unexpected emergencies, AS well as provide maternity coverage for those who are not yet pregnant.
This plan offers coverage for pregnancy-related expenses up to $10,000, with a $500 deductible. This benefit is provided only when coverage has been in force for the entire term of the pregnancy.
For multiple policies with no lapse in coverage, the expected delivery date must be more than 10 months after the effective date of the initial policy.
This means you can receive prenatal care, delivery, and postnatal care — without having to worry about the full burden of hospital and medical fees. Additionally, this plan includes regular emergency medical coverage, so you are protected for unexpected illnesses or accidents unrelated to pregnancy.
To put it into perspective, delivering a baby in Canada without insurance can cost anywhere from $8,000 to $20,000, depending on whether the birth is uncomplicated or requires surgery and a longer hospital stay.
If complications arise or if the baby needs NICU care, costs can escalate quickly. That’s why we recommend that non-residents secure coverage of at least $100,000 to ensure they are adequately protected throughout their stay.
Final Thoughts
Canada offers world-class maternity care, but it comes at a significant cost for those without provincial health insurance.
Having the right insurance plan in place — whether you’re already expecting or planning to start your family — ensures you have access to the care you need, without the added financial strain.
Talk to our advisors today to find the plan that’s right for you and your growing family!
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