Having a baby before applying for PR

[rhcohen2014]

No because its a pre-existing condition. Why don't you just use a midwife/doula? They're virtually free.

i think there is concern "if" the pregnacy turns into a high risk or has complications. that's something that can't be predicted. at that point, they would have to pay out of pocket for going to a hospital.

 

[mikeymyke]

Yeah unfortunately that's one of the downsides of using those services, hence why most people prefer to give birth in a hospital. But most women who use the midwife service say they really enjoy it because it makes you feel very relaxed while giving birth and is a more personal experience.

 

[scylla]

So if I get it before getting pregnant they will cover the costs?

No - they still won't. It doesn't matter when you get pregnant unfortunately.

 

[LauraLynnR]

none of what others are telling you are true! before you believe what others say, ask yourself, "how would they know?" "what experience do they have with sponsoring a spouse?" "do they work for CIC and process applications?"

If you are expecting to give birth during the application process, then you will need to notify CIC of the change to your family. I am not sure how it works if the child is born in canada, and is technically a canadian citizen. CIC definitely needs to know about the baby, so that you guys are not found to be misrepresenting yourselves. You can even write a letter in your application letting them know you are pregnant, when you are due, and plan to update your application as soon as the baby is born. Many people go through this, so hopefully someone with more experience can give you more details about it.

Also, if you are getting married, i am wondering why you are bothering with the common-law application. From what I've read, applying for spousal sponsorship is easier and requires less leg work for the application.

Good to know my mother in law was just trying to scare me and his son (my boyfriend) about it :-X
I guess she watched too many episodes of "Border Security Canada's Front Line" on tv, or whatever the hell it's called, and propably misunderstood and confused a loooot of things. She started it but I guess she has no clue what the truth is. She was babbling about some random woman with 2 kids and a canadian husband that got deported JUST cause she had those 2 kids with him. I think the real reason was because either she got a job without being a permanent resident or remained in canada beyond the validity of her visa.
Thanks a lot anyways the only reason we don't get married now is because we want to wait until we have more money to organize something nice, but that doesn't mean we didn't think about it Although SOMEONE (my old-fashioned family and his divorced mother) could not agree with our decision ;D

 

[Rob_TO]

Yeah unfortunately that's one of the downsides of using those services, hence why most people prefer to give birth in a hospital. But most women who use the midwife service say they really enjoy it because it makes you feel very relaxed while giving birth and is a more personal experience.

With a midwife you can still give birth in a hospital. In fact it's recommend in many cases, since you have actual doctors and emergency care right there if any complications arise with the mom or baby.

For someone with no provincial coverage the midwife is free. However any other things like blood tests, ultrasounds, and using an actual hospital room for the delivery... may all incur additional out-of-pocket costs.

As for Blue Cross or other travel insurance providers, the best way is to call them and ask what and what isn't covered. I imagine if you get pregnant after purchasing the policy, the policy could cover actual emergencies/hospitalization due to the pregnancy, but not your day-to-day doctor visits, regular check-ups or actual delivery. If you want a policy that will actually cover all possible costs of pregnancy, that would be more a general health care policy and would be very expensive.

 

[LauraLynnR]

No - they still won't. It doesn't matter when you get pregnant unfortunately.

Oh... such a shame

 

[LauraLynnR]

With a midwife you can still give birth in a hospital. In fact it's recommend in many cases, since you have actual doctors and emergency care right there if any complications arise with the mom or baby.

For someone with no provincial coverage the midwife is free. However any other things like blood tests, ultrasounds, and using an actual hospital room for the delivery... may all incur additional out-of-pocket costs.

As for Blue Cross or other travel insurance providers, the best way is to call them and ask what and what isn't covered. I imagine if you get pregnant after purchasing the policy, the policy could cover actual emergencies/hospitalization due to the pregnancy, but not your day-to-day doctor visits, regular check-ups or actual delivery. If you want a policy that will actually cover all possible costs of pregnancy, that would be more a general health care policy and would be very expensive.

Yeah I guess the only way to know that is give them a call!

 

[screech339]

Yeah I guess the only way to know that is give them a call!

Best to call them and ask them what kind of coverage do they provide in the event of getting pregnant. As other have mentioned, I am surprised to hear that they won't cover pregnant related matters after 9 months of policy being in placed. It makes sense that they won't cover it within 9 months of buying insurance since it would imply pre-existing condition. If baby was delivered 10 or more month after buying insurance, it would imply that it was not a pre-existing condition, thus they should cover it.

I remember reading up on some private medical coverage policies from difference companies and reading in fine print like: "will not cover cost of maternity in first 9 months of policy".

Screech339

 

[alicia13]

Blue Cross won't cover costs associated with pregnancy or delivery. It's classified as a pre-existing condition.

I can confirm that Blue Cross etc. won't cover anything related to the pregnancy.
I was 5 months pregnant when I applied Inland for PR through my Canadian husband, they ask you to include a letter from your doctor with the anticipated due date but you don't need to put the baby down as a "dependent" if he will be born in Canada as he will be Canadian.
For prenatal and delivery, midwifery is your best bet, it is completely covered even if you do not have provincial health care but as mentioned in previous posts if you need a Caesarean section or epidural you will have to pay for it yourself. Also the waiting lists for midwifery services in Toronto for example are absolutely crazy, if you do get pregnant, start calling straight away! Don't wait

 

[canuck_in_uk]

If baby was delivered 10 or more month after buying insurance, it would imply that it was not a pre-existing condition, thus they should cover it.

The big difference is that, barring suicide, a person can't plan when they will get cancer or meningitis or get hit by a car or fall down the stairs. But a person can plan when to have a baby.

I believe that a one year visitor's insurance policy in Canada costs around $1000, or less for a young person in great health. If a company included full pregnancy coverage, many women would buy it specifically to have a baby. The delivery costs would be at least double the cost of the actual policy and possibly a hundred times the initial cost if there were complications, resulting in massive profit losses for the insurance companies.


The only policies out there that include any coverage related to pregnancy only cover emergency delivery prior to around 30-31 weeks of pregnancy. They also don't cover any pregnancy related complications for about 2 months after the birth.

 

[screech339]

The big difference is that, barring suicide, a person can't plan when they will get cancer or meningitis or get hit by a car or fall down the stairs. But a person can plan when to have a baby.

I believe that a one year visitor's insurance policy in Canada costs around $1000, or less for a young person in great health. If a company included full pregnancy coverage, many women would buy it specifically to have a baby. The delivery costs would be at least double the cost of the actual policy and possibly a hundred times the initial cost if there were complications, resulting in massive profit losses for the insurance companies.

The only policies out there that include any coverage related to pregnancy only cover emergency delivery prior to around 30-31 weeks of pregnancy. They also don't cover any pregnancy related complications for about 2 months after the birth.

$1000 for 1 year medical coverage is rather cheap. So I wouldn't be surprised that pregnancy related matters are not even part of the insurance package. I think it is just a very run of the mill basic travel insurance with very little coverage. Only covers injuries due to accidents or unexpected illness acquired while in Canada like measles, or pneumonia, and the like.

I am sure there are insurance companies that do offer maternity coverage but it would cost you a pretty penny.

For my wife's coverage, it was a hell a lot higher than 1000 per year. More like per 3-4 months. So we took a gamble and save ourselves the money.

Knock on wood, 1 year has pass without any issues when my wife finally gotten on provincial medical coverage.

 

[Rob_TO]

My wife had a basic travel medical emergency policy for around $50-$60 per month. Used it once and had no problems getting costs reimbursed.