What are the costs for maternity care and childbirth for a visitor or foreign student in Canada? Are there any insurance plans for maternity care and childbirth?

Almost every week we receive one or two calls asking us if there are any private insurance plans that cover maternity care such as prenatal care and childbirth.

The answer is yes and no. Let me explain.

In fact, we do offer through our partnership with Allianz Global Assistance, a plan that covers maternity care and childbirth: the Inpatriates to Canada plan.

The Inpatriates to Canada plan offers coverage of up to $10,000. The Insurer agrees to reimburse up to 80 % of the costs incurred by the mother for prenatal care, childbirth, a miscarriage, or their complications. For example, if the total of the costs amounts to $9,000, the client would be entitled to a reimbursement of $7,200,

However, the contract indicates that the expected date of birth must be later of more than 10 months from the date of the effective date of the insurance. This means that the pregnancy must begin at least one month AFTER the date of the effective date of the insurance.

So, if you are already pregnant or “think” you may be pregnant, you are not eligible for this plan!

Conclusion: To cover the care of pregnancy and childbirth It is wise to subscribe to this plan as soon as you or your love one arrives to Canada even if you are not planning on having a baby immediately!

To apply or review all the benefits please follow this link. 

 

UNFORTUNATELY, I DID NOT CONTRACT A PRIVATE INSURANCE PLAN OR I WAS ALREADY PREGNANT PRIOR TO MY ARRIVAL TO CANADA. WHAT ARE MY OPTIONS?

If you have a status of permanent residence, you could ask the Régie d’assurance maladie du Québec to cover maternity care and childbirth.

Otherwise you would have to assume the costs of prenatal care and childbirth. A few examples of costs for maternity and childbirth in hospitals in the region of Montreal:

Prenatal examination: $300 at the hospital from $100 up to $250 in a private clinic.

Normal delivery: $4,000 to $6,000.

Epidural anesthesia: $750 to $1,500.

Caesarean delivery: $7,000 to $10,000.

Night at the hospital: $2,500 and more for the mother; $1,200 and more for the new-born;

if there are complications and you must extend your stay at the hospital the costs can quickly rise.

 

LIST OF HOSPITALS OFFERING THE BEST RATES FOR CHILDBIRTH IN PRIVATE IN THE REGION OF MONTREAL:

Hôpital Rosemont-Maisonneuve

Hôpital Anna-Laberge à Chateauguay

Cite-de-la-Sante à Laval

Hôpital Sacré-Cœur

Et les plus chers :

Hôpital General Juif

Hopital Saint-Justine a Montreal

MUHC (Glen)