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Will company health insurance cover wife's delivery (who is on visitor visa) ?

styler247

Member
Aug 1, 2018
11
0
I'm a Canadian PR thinking of moving to Canada immediately (like within a month) and looking for a job there. My wife has Canadian visit visa, and is pregnant. Her estimated due date is February 7th 2019.

I know that on visitor visa, the government won't cover my wife's health bill as she's on visitor visa. But what if I am able to find a job by November and bring my wife to Canada, will my employer cover my wife's health insurance, despite the fact that she'll be on visitor visa ?
 

Buletruck

VIP Member
May 18, 2015
5,552
1,904
Best to check with your employer, but in most circumstances, no it won't. Employer coverage is generally only to cover those costs not covered by Government Health Care (top up) and only applies to those who already have public coverage.
 

scylla

VIP Member
Jun 8, 2010
63,355
8,502
Toronto
Category........
Visa Office......
Buffalo
Job Offer........
Pre-Assessed..
App. Filed.......
28-05-2010
AOR Received.
19-08-2010
File Transfer...
28-06-2010
Passport Req..
01-10-2010
VISA ISSUED...
05-10-2010
LANDED..........
05-10-2010
I'm a Canadian PR thinking of moving to Canada immediately (like within a month) and looking for a job there. My wife has Canadian visit visa, and is pregnant. Her estimated due date is February 7th 2019.

I know that on visitor visa, the government won't cover my wife's health bill as she's on visitor visa. But what if I am able to find a job by November and bring my wife to Canada, will my employer cover my wife's health insurance, despite the fact that she'll be on visitor visa ?
No - it won't.

The employer health insurance covers items above and beyond what the provincial health care system covers. For example, employer health insurance will often partially cover things like dentist check-ups and prescription medications.

Employer health insurance is not a substitute for provincial health care - it supplements provincial health care.

You should also be aware that the majority of employer health insurance policies will not cover an individual until they have provincial health care coverage.
 
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YVR123

Champion Member
Jul 27, 2017
1,646
479
No - it won't.

The employer health insurance covers items above and beyond what the provincial health care system covers. For example, employer health insurance will often partially cover things like dentist check-ups and prescription medications.

Employer health insurance is not a substitute for provincial health care - it supplements provincial health care.

You should also be aware that the majority of employer health insurance policies will not cover an individual until they have provincial health care coverage.
That's the case for my employer. They need to make sure that my husband has past the waiting period and is covered by the provincial health care before they can put him on my company's extended health care insurance.

Employer health insurance (different from US) only covers what is not normally covered by provincial heath care (e.g. physio, dental, eye exams, glasses, RMT ...etc)
 

links18

Champion Member
Feb 1, 2006
2,007
121
There are very few circumstances in which any kind of insurance plan you don't already have is going to cover your wife's delivery. In instances without a universal coverage mandate, pregnancy is often considered a "pre-existing condition." Possibly, you could deduct the costs on your taxes, if she is a dependent.
 

canuck78

VIP Member
Jun 18, 2017
25,388
5,485
You will have to look but I'm pretty sure Alberta covers the costs of deliver for spouses on visit visas if they establish themselves in Alberta (please doublecheck). You will have to spend a certain amount of time in the province to consider yourself established as a newcomer. You will have to look at each province but Ontario and BC are definitely out.
 

SoniaJav

Star Member
Sep 19, 2014
137
11
Alberta covers only if the spouse has already been added to the PR application as a dependent.

You will have to look but I'm pretty sure Alberta covers the costs of deliver for spouses on visit visas if they establish themselves in Alberta (please doublecheck). You will have to spend a certain amount of time in the province to consider yourself established as a newcomer. You will have to look at each province but Ontario and BC are definitely out.
 

canuck78

VIP Member
Jun 18, 2017
25,388
5,485
You also must remain in Alberta, you just can't leave after delivery. Would be best if you verify with the Alberta health program. Also will you be able to find a job in Alberta. You don't remain in Alberta for a certain amount of time you could be asked to repay the costs.