Pregnancy Insurance for Visitors to Canada



Pregnant Visitors to Canada:

Seeking to purchase maternity insurance while pregnant? If you are a tourist, IEC/Working Holiday participant or an International Student currently pregnant and you are thinking to deliver a child while in Canada, we have a great option for you to stay safe with Travel Insurance Coverage for pregnancy complications!


What is Pregnancy Complications Insurance?

Medical private insurance for pregnancy complications is offered by one of the largest Canadian insurance providers Manulife Financial. They have a great value of medical benefits for pregnant people awaiting their provincial insurance to kick in as well as regular Visitors to Canada.


Manulife Pregnancy Insurance

Please, note that Manulife pregnancy complications insurance is ONLY available up to the 31st week of a pregnancy period and DOES NOT include delivery or pre-natal care coverage.

If the person to be insured is already pregnant, Visitors to Canada insurance plan from Manulife will cover the costs of the following pregnancy related complications:

– Bleedings
– Abdominal pain
– Miscarriage
– Premature birth

The 9 weeks period of pregnancy BEFORE the due date are NOT covered under any circumstances.

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Important Notice: Manulife only provides Pregnancy Complications coverage as a supplement to their Visitors to Canada medical emergency insurance package, which covers the costs for health emergency treatment.

Secure yourself and your future baby, apply for the pregnancy coverage today and have a peace of mind knowing that you are protected!


Insurance for Non-Pregnant Visitors to Canada:

Are you a Tourist/Visitor, International Experience Canada participant, or simply not eligible to receive the provincial healthcare insurance, and planning to have a baby in Canada?

We have wonderful news for you! There are several insurance companies in Canada that will cover medical costs associated with pregnancy to make your stay as comfortable as possible.

Such insurance supplements that cover medical services associated with pregnancy are ideal for non-pregnant Visitors to Canada and temporary residents, who do not qualify for a provincial medical care plan.


Allianz Global Assistance Travel To Canada Insurance

With Allianz Global Assistance, 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.

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

The maximum amount for the above Maternity insurance benefits is $10,000.

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

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

Eligibility Requirements:
– The insurance policy period has to be at least 12 months.

– You must NOT fall pregnant for at least 2 months after the effective date on your policy commences.


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Plan Description

Travel Underwriters (TUgo) Insurance

Travel Underwriters (TUgo) offers you a supplemental maternity insurance for pregnancy related procedures with their Platinum Plan for people visiting Canada, who are not eligible to receive Provincial health care.

The coverage provides a maximum reimbursement of $3,000 for the following pregnancy related procedures.

Coverage Details:
– Delivery
– Pregnancy Complications
– Prenatal Care
– Other eligible costs

Eligibility Requirements:
– Only pregnancy complications, delivery and pre-natal care occur in the LAST 9 weeks of your pregnancy period are covered.

– You must NOT fall pregnant before the effective date of your TU policy commences.

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21st Century Travel Insurance

21 Century: Visitors to Canada medical emergency insurance policy will ONLY cover the following maternity related complications BEFORE the final 9 weeks of your pregnancy period.

Unfortunately, delivery and routine pre-natal care are not covered under this policy.

Coverage Details:
– Premature birth
– Miscarriage
– Bleedings
– Abdominal pain
– Other eligible complications

Eligibility Requirements:
– Pregnancy complications are ONLY covered up to 31st week of pregnancy period.

– Your pregnancy MUST start after the insurance coverage begins.

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Important Notice: All of the mentioned medical emergency plans provide insurance with maternity coverage as a supplement for Visitors to Canada, who are not pregnant at the effective date of the policy. Please, note that each plan has its own eligibility requirements for pregnancy travel insurance coverage that are outlined in the table above.

Each of the insurance plans above offer comprehensive emergency health benefits covering hospitalization, emergency medical treatment, prescription drugs, dental repair and much more.

For more information regarding the above medical coverage, eligibility as well as application process, please contact our Insurance Advisors.

Non-Pregnant Students In/Out of Canada:

Studying has its perks. Not only you become a part of a worldwide recognized student community, you are also eligible to get covered up to $20,000 with a private Pregnancy Insurance, if you are planning to have a child in Canada as an International Student or outside your province of residence and abroad in case your are a permanent resident of Canada.

Eligibility Requirements for Student Pregnancy Coverage Canada:

– You MUST be a full time student with a proof of admission into a certified learning institution.

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 the offered Pregnancy Insurance Coverage.

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Pregnancy Insurance: Canadian Students

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

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Important Notice: 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.

A: Depending on your eligibility for a certain pregnancy health care insurance product, you may receive different benefits.

Please, use the navigational tabs on this page to learn more about available maternity insurance options.

A: According to the Policy Wordings from the Canadian insurance providers of pregnancy-related emergency coverage, it is not considered a pre-existing condition.
A: The cost for delivery or childbirth is determined by the hospital and the procedures to be done during the childbirth itself. If you have an insurance that covers delivery partially, you will only be responsible to pay that amount.

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

A: Yes. Allianz Global Assistance: Inpatriates to Canada insurance plan offers a comprehensive Maternity Benefits package for visitors to Canada.

Allianz Global Assistance reimburses up to $10,000 for pregnancy complications, delivery and other eligible costs. It is also called “Pre Pregnancy” insurance supplement.

Yes, Allianz Global Assistance offers an affordable health insurance that covers maternity as well as provides its coverage to newborn babies, upon approval of the insurance company.

Contact our Insurance Advsiors to learn more about this benefit.

A: If you are a pregnant visitor to Canada and not eligible for the Government health insurance, you can apply for a private pregnancy complications insurance provided by Manulife.

Pregnancy complications supplement will cover the costs for related health emergencies such as bleedings, abdominal pain, premature birth, miscarriage, etc. up to the 31st week of your pregnancy period.

A: If you are travelling to Canada and you are not yet pregnant, you may apply for a Allianz Global Assistance: Inpatriates to Canada insurance plan.

Such pregnancy insurance plan has a waiting period of 2 months after the effective date of the policy commences. If you fall pregnant before that time, you will not be eligible to receive maternity insurance benefits under the mentioned policy.

A: The childbirth benefit limit depends on the individual insurance plan that covers pregnancy.

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

A: If you are already pregnant and not eligible to receive provincial health care plan, you can only apply for a travel pregnancy complications insurance provided by Manulife.

Such policy covers standard medical emergencies for Visitors to Canada as well as it provides a comprehensive pregnancy insurance Canada for complications including bleedings, premature birth, miscarriage and abdominal pain up to the 31st week of pregnancy period.

Unfortunately, pregnant visitors to Canada are not covered for delivery or prenatal care.

A: 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 pre-natal 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.

A: Yes, you do. It is recommended that you purchase ф short term health insurance for pregnancy complications in Canada that is provided by Manulife. Such insurance policy will also protect your money from other costs for medical emergencies that may happen while awaiting for your government health care plan.

For more information, please take a look at “Pregnant Visitors” section on this webpage.

A: There are several pregnancy insurance supplements available for visitors to Canada, who are either pregnant or planning to have a baby while in Canada. Depending on your current situation, you may learn more about the appropriate insurance coverage during pregnancy using the navigation tabs on this page such “Pregnant Visitors”, “Non-pregnant Visitors” and “Non-pregnant Students”.

If you do not see your question listed here, please check our General FAQ or ask one of our Insurance Advisors.