Planning 2019 pregnancy - coverage questions (BC MSP)

[canuck_in_uk]

But I mean even forgetting about the child, how do Canadians living abroad with their spouse generally prove they will go back to Canada? The application process is a year. That's a long time to be able to prove anything, let's say I got a job offer in Canada today, I'd have to act on that right now, leave the spouse here and have her arrive in Canada 6 months later as her TRV is only valid for 6 months at a time.

Is it really this bad for everyone in my position? Is there no known precedence of someone writing a letter expressing intent to do something and that being enough?

People show a variety of stuff like contact with potential employers/job searches, rental/housing research, letters from family/friends confirming the move, transfer of assets, shipping quotes, research on schools for kids, a detailed plan of support, putting house up for sale in current country. I had letters from family, wrote a plan and showed that I had maintained all of my finances in Canada while I was gone; I probably would have been requested to send more concrete proof but I actually returned to Canada while the app was processing.

It all depends on the VO. Sometimes even all of that isn't enough and that is when they start asking for stuff like cancelling residence permits.

Also, your wife can come to Canada as a visitor and extend her status without issue.

 

[steaky]

Right but I want to continue living and working here for at least let's say 6 months. The proof has to come when submitting the application, I don't want to resign before even submitting the PR application.

Couldn't you write and submit the letter to your visa office only? Your employer wouldn't know your intention unless you notify them. Also, it's typical for an employee to give a number of months as notice for resignation. Couldn't you add that in your letter?

Edit: After reading the above poster had to say, I did none of those. Instead, I provided the mortgage document of my income property.

 

[lchazl]

People show a variety of stuff like contact with potential employers/job searches, rental/housing research, letters from family/friends confirming the move, transfer of assets, shipping quotes, research on schools for kids, a detailed plan of support, putting house up for sale in current country. I had letters from family, wrote a plan and showed that I had maintained all of my finances in Canada while I was gone; I probably would have been requested to send more concrete proof but I actually returned to Canada while the app was processing.

It all depends on the VO. Sometimes even all of that isn't enough and that is when they start asking for stuff like cancelling residence permits.

Also, your wife can come to Canada as a visitor and extend her status without issue.

That's good advice showing job searches, rental search, letters from family saying I can stay with them firstly, wire transfer receipts, shipping quotes.

Though I just can't wrap my head around the chance of them asking me to cancel my residence permit while we are still waiting for the PR to be approved. Seems unrealistic as once it is cancelled, I'd have to leave the country technically leaving my wife. Yes she has a visitor visa and could potentially leave with me but what if she didn't, would Canada really do this to Canadian Nationals... make them leave their wife in her home country?

Couldn't you write and submit the letter to your visa office only? Your employer wouldn't know your intention unless you notify them. Also, it's typical for an employee to give a number of months as notice for resignation. Couldn't you add that in your letter?

Edit: After reading the above poster had to say, I did none of those. Instead, I provided the mortgage document of my income property.

That's an ultimate tie to Canada you have, property, though I don't have. Sure I can write letters to the visa office and keep it secret from my employer, not an issue, it's just that if an "unofficial" letter that I write will hold water with them.

 

[vjosi]

Hi, need your advice for health insurance in Toronto. I am planning to get pregnant before landing permanently in Toronto on 21 October. As I have read there are a lot of problems with insurance when you are pregnant I am thinking of buying private insurance for September 2018 up to April or May 2019. I found one company that covered pregnancy. Is there a problem with buying this insurance in September?

 

[Steevy]

Hi, need your advice for health insurance in Toronto. I am planning to get pregnant before landing permanently in Toronto on 21 October. As I have read there are a lot of problems with insurance when you are pregnant I am thinking of buying private insurance for September 2018 up to April or May 2019. I found one company that covered pregnancy. Is there a problem with buying this insurance in September?

It could be an issue if you are planning to get pregnant before getting insurance. There are not a lot of private insurance options that cover any pregnancy-related medical care and even less of those that cover things like childbirth.

Your best option (as long as you are ok with covering prenatal care expenses within the first few months of pregnancy out of pocket) would be to get a medical emergency insurance for new immigrants to Canada that has pregnancy complications coverage (up to the 31st week) and just wait 3 months before your OHIP kicks in. You would only need to buy an insurance for 92 days or so, which would cost from $150-$300 for the whole period depending on the coverage amount you want to get.

Another option is a more costly solution - get an insurance plan that partially covers prenatal care, pregnancy complications and childbirth. Such policy has to be for about a year in duration and your expected delivery date must be more than 10 months AFTER the start date of insurance policy. This plan usually costs between $1100-$1450 for a year depending on the coverage amount. Note that your policy will only start when you arrive in Canada.

You can go over some more details about both options here - Medical Insurance with Maternity Coverage

 

[vjosi]

Thank you a lot

It could be an issue if you are planning to get pregnant before getting insurance. There are not a lot of private insurance options that cover any pregnancy-related medical care and even less of those that cover things like childbirth.

Your best option (as long as you are ok with covering prenatal care expenses within the first few months of pregnancy out of pocket) would be to get a medical emergency insurance for new immigrants to Canada that has pregnancy complications coverage (up to the 31st week) and just wait 3 months before your OHIP kicks in. You would only need to buy an insurance for 92 days or so, which would cost from $150-$300 for the whole period depending on the coverage amount you want to get.

Another option is a more costly solution - get an insurance plan that partially covers prenatal care, pregnancy complications and childbirth. Such policy has to be for about a year in duration and your expected delivery date must be more than 10 months AFTER the start date of insurance policy. This plan usually costs between $1100-$1450 for a year depending on the coverage amount. Note that your policy will only start when you arrive in Canada.

You can go over some more details about both options here - Medical Insurance with Maternity Coverage

 

[canuck78]

In general I you are planning a pregnancy it would be best to get pregnant when you are already in Canada and already have a job and health coverage. Unfortunately things can go wrong in pregnancies especially in the first trimester so medical coverage is important to have. Also to receive maternity payments you have to be working for quite a few months. It is only a fraction of your salary so you need to save up and plan while you're pregnant. Also depending on where you are living you need to be planning for the cost of child are.