Pregnancy Insurance
for Visitors to Canada

Helping future mothers. Learn all about insurance for pregnant
women or wanting to become pregnant in Canada.
Are You Currently Pregnant?
In order to see insurance availability, please choose «Yes» or «No»
Planning to Have a Baby?
With Allianz Inpatriates to Canada Insurance, you are eligible for a reimbursement of up to 80% for all approved pregnancy related costs including pre-natal, pregnancy complications treatment as well as delivery.
Allianz Insurance Calculator
Description
The maximum amount for the above Maternity insurance benefits is $10,000.

Coverage Details:
Pregnancy complications, Delivery, Pre-natal care, Nursing care, Other associated costs

Eligibility Requirements:
– The insurance policy period has to be no less than 12 months.
– You must NOT fall pregnant for at least 2 months after the effective date on your policy commences.
Overview
Summary of Benefits
Eligibility and Exclusions
Non-Pregnant Students

Overview

Are you planning to have a baby in Canada?

If you are a tourist, temporary resident or a work permit holder and you are planning to have a baby in Canada we have wonderful news for you!

Inpatriates to Canada insurance plan from Allianz Global Assistance will cover certain medical costs associated with pregnancy to make your stay in Canada as comfortable as possible.

This insurance is designed for Visitors to Canada and temporary residents, who do not qualify for a provincial medical care plan and who are not pregnant at the moment.

Maternity Coverage: Overview

With Inpatriates to Canada plan, you are eligible for a reimbursement of up to 80% of all approved pregnancy related costs including pre-natal care, pregnancy complications treatment as well as delivery.

With Inpatriates to Canada insurance you are eligible for reimbursement of up to 80% of the cost of routine nursing care of newborn children up to 14 days after birth.

Newborns at 15 days of age can also be covered upon approval by Allianz Global Assistance.

The maximum amount for the above Maternity insurance benefit is $10,000 per policy.

Coverage Details:
– Pregnancy complications
– Delivery
– Pre-natal care
– Nursing care
– Other associated costs

Eligibility Requirements:
– The insurance policy period has to be no less than 12 months.
– You must NOT get pregnant for at least 2 months after the effective date on your policy commences.

Important Notice:
 
Allianz Global Assistance Inpatriates to Canada is insurance that offers maternity benefits as a supplemental coverage for Visitors to Canada, who are not pregnant at the effective date of the policy. Please note the eligibility requirements for pregnancy travel insurance coverage outlined in the Policy Wording.
Summary of Benefits
Allianz – Summary of Insured Services: Inpatriates to Canada
Benefit
Coverage Limit
Accidental Death & Dismemberment
up to sum insured
Emergency Hospital & Medical
up to sum insured
Emergency Hospital
up to sum insured
Emergency Medical
up to sum insured
Emergency Transportation
up to sum insured
Accidental Dental
$4,000
Attendant
up to $500
Chiropractor, osteopath, chiropodist, podiatrist or acupuncturist
$500 per profession
Dental Emergency
up to $500
Emergency Return Home
up to $3,000
Follow-up visits
up to $5,000
Maternity
up to $10,000
Out-of-Pocket Expenses
up to $1,500
Physiotherapist
$500
Return of Deceased
up to $10,000
Transportation of Family/Friend
up to $3,000
Vaccines
up to $100
Physical Examination
one per 12-month period
Eye Examination
one per 12-month period
Eligibility and Exclusions
Coverage is NOT AVAILABLE to any individual who, as of their effective date:

a) has been diagnosed with a terminal illness; or
b) has been diagnosed with or has had an episode of congestive heart failure; or
c) has had their most recent heart surgery more than 10 years ago; or
d) has been diagnosed with Acquired Immune Deficiency Syndrome (AIDS) or Human Immunodeficiency Virus (HIV); or
e) has been diagnosed with stage 3 or 4 cancer, or cancer of the lung, liver, pancreas, or bone; or has received treatment for any cancer (other than basal or squamous cell skin cancer or breast cancer treated only with hormone therapy) in the past 3 months; or
f) has had a lung condition for which, in the last 12 months, they have been prescribed or used home oxygen; or
g) has received or is awaiting a bone marrow or major organ transplant; or
h) has been diagnosed with or received treatment for kidney disease requiring dialysis; or
i) has been diagnosed with an aneurysm that has not been repaired; or
j) requires assistance with activities of daily living.

To be eligible for coverage you must:

Start of Coverage

Waiting Period

End of Coverage

Non-Pregnant Students in/out of Canada:
Studying has its perks. Not only do you become part of a worldwide recognized student community, but you are also eligible to get covered with a private Pregnancy Insurance supplement to a medical emergency insurance coverage. You can do so if you are planning on having a child in Canada as an International Student or outside your province of residence and abroad in case you are a permanent resident of Canada.
Eligibility Requirements for Student Pregnancy Coverage Canada:
– You MUST be a full time student with proof of admission into a certified learning institution.
– Depending on the insurance plan of your selection, you must meet specific conditions outlined in the eligibility requirements.

Pregnancy Insurance: International Students in Canada

If you are an International Student in Canada, please contact our Insurance Advisors or use the button below to learn more about our offered Pregnancy Insurance Coverage.

Pregnancy Insurance: Canadian Students

In case you are a Canadian Student studying outside your home province, you can click on the button below to review the coverage information for a Student Insurance plan of your choice.

Pregnancy Insurance coverage comes as a supplement to several travel health insurance plans for Students.
 
Moreover, each Student health insurance plan has its own eligibility requirements as well as coverage features, especially regarding pregnancy coverage.
Frequently Asked Questions
Still 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.

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 use the navigational tabs 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.
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.

The pregnancy complications supplement will cover the costs of 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 waiting period of 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, refer to the section called “Non-pregnant Visitors” on this webpage.

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 take a look at our “Pregnant Visitors” section on this webpage.

If you have any further questions
please check our General FAQ or ask one of our Insurance Advisors who are always happy to help!