Table of Contents:
- About This Insurance
- Simple Assessment Form
- Conditions
- Coverage
- Premium Rate
- Policy Changes After Issuance
- Real-Case Examples
- FAQ
- Essential Travel Tips for Pregnant Women
About this Insurance
Pregnancy brings joy, but it also increases the risk of unexpected complications—especially during travel. While most standard plans exclude prenatal care, labour, or delivery, we at Insufin offer emergency pregnancy coverage for pregnancies up to 31 weeks. This means that serious issues such as bleeding, abdominal pain, and miscarriage are covered alongside standard medical protections.
Ideal candidates:
- Pregnant tourists on a tourist trip to Canada who apply before arrival or shortly after entering the country, and meet the insurer’s medical eligibility requirements.
- Non-pregnant travelers planning a pregnancy during their stay
- New immigrants waiting for provincial health coverage (GHIP)
- International students or workers anticipating pregnancy
- pregnant women traveling outside of Canada
- Pregnant women transiting through Canada
Simple Assessment Form
To choose the best and most suitable insurance and to receive an accurate quote, please complete the form below.
***Why is it important to provide accurate personal information in the insurance form? ***
The trust of thousands of families and international travelers, expert advice from licensed insurance advisors in Canada, bilingual support (English and Farsi), fast registration, and online policy issuance are just a few of the reasons why we are the top choice for providing the best and most suitable insurance for you.
Conditions
For Students:
- Delivery (childbirth) costs are not covered.
- Pregnancy-related expenses are covered up to $25,000.
- The insurance policy must be purchased before the student becomes pregnant.
- If the insured student voluntarily terminates the pregnancy, pregnancy-related expenses will not be covered.
For Work Permit Holders:
- Delivery (childbirth) costs are not covered.
- If you are in Canada on a work permit and not covered by GHIP (government health insurance), you must use Visitor to Canada Insurance, which includes similar pregnancy coverage.
- If the insured voluntarily terminates the pregnancy, pregnancy-related expenses will not be covered.
For Visitors to Canada:
- Delivery (childbirth) costs are not covered.
- Pregnancy-related expenses are covered depending on the type of insurance and specific policy conditions.
- If the insured voluntarily terminates the pregnancy, pregnancy-related expenses will not be covered.
For Travelers Outside Canada
- Delivery (childbirth) costs are not covered.
- Pregnancy-related expenses are covered depending on the type of insurance and specific policy conditions.
- If the insured voluntarily terminates the pregnancy, pregnancy-related expenses will not be covered.
“If you entered Canada after the beginning of the 32nd week of pregnancy, you may still be eligible for critical illness insurance as well as life and accident insurance. However, maternity and childbirth expenses are still not covered.”
Coverage
- Emergency expenses related to pregnancy
- Emergency medical care up to the insured amount
- Imaging tests
- Doctor visits and emergency hospital admission up to the policy limit
- Ground and air ambulance services up to the policy limit
- Outpatient medical treatments
- Prescription medications up to the amount specified in the policy
- Emergency dental treatment
- Dental accidents
- Pregnancy-related complications such as bleeding, abdominal pain, or miscarriage
- Physical examinations and follow-up visits
- Physiotherapy up to $500
- Acupuncture up to $500
- Chiropractic, osteopathy, chiropody, podiatry, or similar services up to $500
- Out-of-pocket medical expenses
- Accommodation and meal costs, childcare expenses
- Phone calls and taxi fares
- Transportation for accompanying family members
- Repatriation or return of the insured to their home country in case of illness or accident
- Lost or stolen passport, baggage delay services, and flight delay assistance
- Ambulance or helicopter transportation in case of emergency
- Private nurse care
- Emergency medical tests
- Diagnostic imaging, such as CT scans, is subject to pre-approval by the insurer
- Post-hospital discharge costs, including 2 to 3 follow-up doctor visits if needed
Important: Coverage is for emergency events occurring within the first 31 weeks of pregnancy—not routine prenatal care or scheduled deliveries.
Premium Rate
Starting from CAD 2.32 per day, premiums vary by age, coverage amount, deductible, health, and insurer.
Policy Changes After Issuance
Policy changes (e.g. increasing coverage) are often possible before your coverage starts.
Real-Case Examples
Amanda N., 35, travelled to Toronto for six months during the final months of her pregnancy. Aware of the high cost of medical care, she purchased a travel pregnancy insurance plan from Rahimian Insurance upon arrival. This plan covered pregnancy complications occurring during the first 31 weeks of pregnancy, with a maximum benefit of $20,000 and a $1,000 deductible.
At week 29 of her pregnancy, she suddenly experienced severe headaches, blurred vision, and swelling in her legs, prompting her to visit the hospital. Doctors diagnosed her with severe preeclampsia—a dangerous condition threatening both mother and baby. Due to extremely high blood pressure and the emergency situation, doctors decided to perform an early cesarean delivery. Hours later, a premature but healthy baby was born, and the mother’s condition gradually stabilized after several days of intensive care.
The medical expenses, which came close to $20,000, included:
- Mother’s hospitalization (5 days): $10,200
- Cesarean delivery and obstetrician’s services: $7,800
- Newborn care (2 days): $1,900
In total, the expenses amounted to $19,900, of which the insurer paid $18,900 after deducting the $1,000 deductible.
By securing pregnancy travel insurance at the start of her trip, Amanda and her family were able to focus solely on health and recovery during this critical time—without the added stress of medical costs.
FAQ
Can I Get Maternity Insurance While Pregnant?
If you are a pregnant visitor to Canada and not eligible for government health insurance, you can apply for private insurance. Your policy will cover emergency pregnancy-related issues—such as bleeding, abdominal pain, or miscarriage— occurring within the first 31 weeks of pregnancy. However, it does not cover the cost of childbirth.
You, as an expectant mother, can make informed use of insurance to protect your life, finances, and peace of mind for yourself and your family by understanding its various benefits.
Essential Travel Tips for Pregnant Women
– Consult your OB/GYN at least 6 weeks before travel, especially for air travel
– Canadian airlines typically allow flying up to week 35, with a doctor’s note
– Book an aisle seat and walk every 1–2 hours to reduce clot risk
– Stay well hydrated during flights
– Review your policy’s coverage for both prenatal emergencies and newborn care
– Emergency home visits by Canadian doctors may be included.
To receive 100% coverage from your insurance, you must contact the phone number listed in your travel insurance policy before visiting a hospital, doctor, or medical facility.
