Just to be clear, the waiting period referenced is for travel insurance that you'd get for someone not yet eligible for provincial health care. Private insurance through an employer wouldn't really need to cover pregnancy related stuff because provincial health care does cover pregnancy and birth, and insurance via an employer simply tops up provincial health care typically for "extras" like chiro, dental, vision etc. For instance for my family, our private insurance via my husband's job would only be involved in pregnancy/birth if I were given a private room at the hospital because there's coverage for that (reduces the rate from $70 to $10) and that's the only thing that provincial health care doesn't cover fully in the pregnancy/birth. (Of course there aren't actually private rooms in labour and delivery at the local hospital so it's a bit of a moot point here locally.)