Non Resident Canadian and non canadian wife would like to have baby in canada

[asendi]

Hi,

So I'm a Canadian who works and lives outside of Canada and have a non resident status. 2 years ago i got married to a non Canadian however i did not inform the embassy so. My wife is now pregnant and i'm more comfortable for her to give birth to our child in Canada where my mother lives to help her. A few questions i have:

1: will she/ can she be rejected entry into Canada even though I am Canadian and no matter where the child is born he/she will be Canadian?
2: what are the costs associated with giving birth in Canada (as i do not have a valid OHIP)
3: is there travel health insurance I may purchase that will cover any complications that might arise before, during, or after birth.

 

[scylla]

1. She might be if she is visibly pregnant. It's difficult to say. She should try to come here well before the pregnancy shows.
2. I would budget $10K to be safe. It could be quite a bit more if there are complications that require hospitalization. You can also lower the costs to just a few thousand by having a home birth assisted by a midwife.
3. No - unfortunately there isn't. It would make no sense for insurance companies to offer such as product since they would always end up losing money in the deal.

 

[zardoz]

Hi,

So I'm a Canadian who works and lives outside of Canada and have a non resident status. 2 years ago i got married to a non Canadian however i did not inform the embassy so. My wife is now pregnant and i'm more comfortable for her to give birth to our child in Canada where my mother lives to help her. A few questions i have:

1: will she/ can she be rejected entry into Canada even though I am Canadian and no matter where the child is born he/she will be Canadian?
2: what are the costs associated with giving birth in Canada (as i do not have a valid OHIP)
3: is there travel health insurance I may purchase that will cover any complications that might arise before, during, or after birth.

You don't state if your wife is visa-exempt or not. If she isn't, you may come under extra scrutiny when she applies for the visit visa.

 

[steaky]

If you come to live in Alberta, then your the cost associated with giving birth in Canada is probably covered if you add your wife in your AHCIP. If you and your wife move to Alberta, you can decide not to pay for any private insurance as they might be covered under the provincial plan.

 

[O_guy]

If she requires visitor visa to enter Canada, include Invitstion letter in the application and mention the fact that you want your wife to meet your mother. That is very good "purpose for visit". Whether she is pregnant or not, you are not you do not need to mention it. Furthermore, in the vTRV application, mentioned he fact that you have lived outside if Canada for years and you will return to your current country of residence with your wife after you visit Canada.

Good luck

 

[Gary Goldshmidt]

I have only found one company that I deal with that covers pregnancies for those waiting for their provincial healthcare coverage to be reinstated or to begin. In most cases regardless which province you plan to return to their will be a waiting period. I would contact the provincial ministry of health and find out the details.
You can also find the links on my site
http://www.stone-hedgefinancialgroup.ca/useful-links

If you are shopping for insurance you can contact me directly preferably before arrival to Canada.

 

[asendi]

Thanks for the info, just to add that my wife already has a valid visa from when we went on our honeymoon. So no issues on that end.

I was reading up on temporary travel insurance, but the clauses on pregnancies is very vague. They don't cover the pregnancy (child birth) but then they get vague when it comes to the complications. So in a bit confused.

 

[scylla]

Thanks for the info, just to add that my wife already has a valid visa from when we went on our honeymoon. So no issues on that end.

I was reading up on temporary travel insurance, but the clauses on pregnancies is very vague. They don't cover the pregnancy (child birth) but then they get vague when it comes to the complications. So in a bit confused.

Any complications due to pregnancy/birth will be classified as being caused by the pre-existing condition (the pregnancy) and will therefore not be covered.

 

[Gary Goldshmidt]

There is one policy that does cover pregnancy but again you have to be careful with interpretation. Most visitors to Canada policies exclude pregnancy.

 

[asendi]

So what is my best option? I want to be sure if there are any complications, baby or wife, I can somehow cover without breaking the bank on hospital bills.

 

[steaky]

So what is my best option? I want to be sure if there are any complications, baby or wife, I can somehow cover without breaking the bank on hospital bills.

Like I said, go to Alberta and live there at least six months.

 

[asendi]

Like I said, go to Alberta and live there at least six months.

I wish I could do that, but I already have a house in toronto and I can't take 6 months off work :S looks like i will have to resort to the next few months of sleepless nights just thinking about this hoping nothing goes wrong.

 

[steaky]

I wish I could do that, but I already have a house in toronto and I can't take 6 months off work :S looks like i will have to resort to the next few months of sleepless nights just thinking about this hoping nothing goes wrong.

I heard many people make their home in one province but work in another province or country. Others lives in one province but might have vacation property(ies) in another province or country. Maybe this is an option.

 

[Gary Goldshmidt]

There is one policy called TIC Inpatriate that does cover pregnancy, the rates for younger ages is actually cheaper than visitors to Canada emergency medical policies. I can send you the rates and policy. I will caution you even though it does cover pregnancy it does not mean all pregnancies are covered you need to look at the actual definition and see how it would apply to your need specifically.

The Government of Canada does provide emergency medical free of charge for certain types of people like specific classes of refugees, domestic workers etc...

I you need a quote contact me directly and you can visit my web site. www.stone-hedgefinancialgroup.ca