Depending on where you are, there may be some free clinics. Where has your wife been going for her pregnancy care? Private insurances usually do not pay for pregnancy related expenses if she is already pregnant when you got the insurance.
If you do not get the LMO, you can apply to change your status to visitor based on your wife being too pregnant to travel.
Thanks Leon. I am in Toronto downtown. She does go to a Community Health Centre.
So the CIC will give a Visitor status within time?