How Much Does it Cost to Have a Baby in Canada? (2024)

Are you prepared to embark on a thrilling journey filled with laughter, tears, and abundant love? Yes, I’m talking about the magical experience of having a baby! Whether you’re eagerly expecting or contemplating expanding your family, one burning question is bound to cross your mind: “How much does it cost to have a baby in Canada?”

Let’s face it, parenting is like a thrilling roller coaster ride, and it’s no secret that it comes with its fair share of financial responsibilities. But fear not because I’m here to guide you through the maze of budgeting for your precious little bundle of joy. In this article, we’ll delve into the costs associated with bringing a baby into the world in Canada – from essential prenatal care to those endless supplies of diapers and everything in between.

Get ready to explore the different avenues of welcoming a baby into your life, uncover the expenses involved, and discover the steps to take before and after your little one arrives in the Great White North.

Together, we’ll navigate the world of cribs, strollers, and adorable onesies as we unveil the financial realities of parenthood. We’ll break down the expected expenses, provide practical tips on saving money without compromising quality, and shed light on those sneaky hidden costs that might catch you off guard.

So, whether you’re eager to calculate your anticipated budget or simply curious about the financial implications of parenthood, this article is your compass. Get ready to unlock the secrets and gain the confidence you need to embrace the exciting journey ahead. Buckle up, and let’s dive into Canada’s thrilling world of parenthood!

How Much Does it Cost to Have a Baby in Canada?

Canada is known for its excellent healthcare system and has become a popular destination for delivering babies. With birthright citizenship, many people choose Canada as their preferred location, ensuring their newborn becomes an automatic citizen and gains access to various governmental benefits. 

The country also offers a plethora of advantages when it comes to raising children, including childcare benefits and educational support. It’s no wonder that delivering a baby in Canada is a decision citizens and non-citizens embrace. 

But the burning question remains: How much does having a baby in Canada cost? Understanding the cost of childbirth in Canada is crucial to avoid unexpected financial burdens, whether you’re a citizen or a non-citizen. 

While most provinces and territories offer free delivery for citizens and permanent residents, there are still costs to consider in other regions. For citizens with insurance, hospital delivery can range from C$0 to C$1,000, home delivery with a midwife from C$860 to C$2,500, and C-section delivery from C$0 to C$2,500. 

However, citizens without insurance may face higher costs, such as C$5,000 to C$8,000 for hospital delivery, C$3,000 for home delivery with a midwife, and C$10,500 to C$12,500 for C-section delivery at a hospital.

Average Cost of Childbirth in Canada for Citizens

This table shows the cost of different medical processes for childbirth in Canada.

Average Cost of Childbirth in Canada for Non-Citizens

The cost of childbirth in Canada varies between citizens and non-citizens. Non-citizens with international insurance could spend between C$1,360-3,000 for home delivery with a midwife, C$500-1,500 for vaginal delivery at a hospital, and C$500-1,500 for C-sections at a hospital.

This table shows the cost of different medical processes for childbirth in Canada for non-citizens.

However, non-citizen pregnant women may receive free childbirth services such as midwife services in provinces such as British Columbia.

Understanding the Different Costs of Having a Baby in Canada

While childbirth is free in most Canadian provinces and territories, the story differs in others, where costs can vary based on the specific medical procedures involved. This means that regardless of your citizenship status, the expenses for bringing your little one into the world depend on the delivery method.

Here, we’ll delve into the nitty-gritty of the costs of having a baby in Canada, breaking them down by different medical procedures. 

1. Natural/Hospital Birth

When it comes to having a baby in Canada, there are different options to consider. Natural birth, which typically involves home birth with a midwife, comes with its own set of costs. For citizens with insurance, the average cost ranges from C$1,160 to C$2,800. 

You can expect to pay around C$3,000 if you don’t have insurance. Non-citizens with international insurance can anticipate costs ranging from C$1,360 to C$3,000, while those without international insurance would face the same cost of around C$3,000.

On the other hand, hospital birth encompasses both vaginal delivery and cesarean section delivery. The following table outlines the average costs for these procedures in Canada, taking into account both citizens and non-citizens:

Remember that the costs may vary depending on the specific province or territory you reside in. Understanding these figures will help you make informed decisions about the financial aspects of welcoming your baby into the world.

2. IVF Birth

In Canada, in vitro fertilization (IVF) is a commonly chosen method for couples facing fertility challenges. If you’re considering IVF to have a baby in Canada, it’s important to be aware of the associated costs. 

On average, you can expect to spend between $9,250 and $17,000 per IVF cycle. However, the exact cost will vary depending on factors such as the clinic you choose, the number of cycles required, medication expenses, and the province or territory where you reside.

Fortunately, some public health systems in Canada provide financial assistance to help offset the cost of IVF treatments. Let’s take a closer look at the maximum financial assistance available in select provinces:

• Ontario: The province covers the cost of one IVF cycle, which can significantly alleviate the financial burden.
• New Brunswick: Here, you can receive financial assistance of up to $5,000 for IVF treatments.
• Manitoba: The public health system in Manitoba offers financial support of up to $8,000 for IVF, which can greatly help reduce expenses.
• Quebec: You may be eligible for a tax credit of up to $20,000 towards IVF expenses in Quebec. It’s essential to familiarize yourself with this tax credit’s specific conditions and requirements.

Remember that eligibility criteria and terms and conditions for financial assistance may vary, so it’s crucial to check the requirements specific to your province or territory.

It’s important to note that IVF does not guarantee a successful pregnancy and childbirth. In some cases, alternative options may need to be explored. Consulting with a healthcare professional or fertility specialist can provide further guidance on the best course of action for your individual situation.

While the cost of IVF can be significant, financial assistance programs and support public health systems in certain provinces help make the process more accessible for couples seeking to have a baby through this method in Canada.

3. Surrogacy Birth

Surrogacy could be your next option if IVF doesn’t work for you. This involves donating your egg to a surrogate mother to deliver your pregnancy.

In Canada, surrogacy is a legal option, but paying a surrogate mother for carrying a pregnancy is not permitted. However, it’s important to note that surrogacy is not entirely cost-free in Canada. 

Along with the emotional and logistical aspects, various factors contribute to the overall expenses. These include agency fees, legal contracts, fertility clinic costs, etc. 

On average, surrogacy costs in Canada are typically between $58,000 and $90,000. 

4. Child Adoption

Your last option for having a baby in Canada could be child adoption. While it may be your last option, it’s important to explore the different avenues available to you. 

Here are the three main ways you can adopt a child in Canada:

• Public Adoption: Public adoption involves working with the provincial child welfare authority to become the guardian of a child in their care. The good news is that public adoption in Canada is typically free of charge.
• Private Adoption: Private adoption is facilitated through licensed and regulated adoption agencies in each province. With private adoption, the costs can vary. The expenses typically range for children born in Canada from $15,000 to $25,000 or more. If you’re looking to adopt a child born overseas, the costs can be higher, ranging from $25,000 to $50,000.
• International Adoption: If you’re considering adopting a child from another country, international adoption is an option. This process is carried out through provincial adoption agencies and involves additional expenses. On average, international adoption can cost between $30,000 and $50,000 or more.

Exploring these adoption options will help you make an informed decision and understand the financial commitments involved. Remember, each path has its own unique considerations and requirements. By understanding the costs associated with each type of adoption, you can take the next steps toward building your family with confidence.

Learn more about IVF, Surrogacy, and Child Adoption Cost in Canada.

The Average Cost of Raising a Child in Canada

Wondering how much it costs to raise a child in Canada? While delivering a baby in Canada may be relatively affordable, raising a child is different. 

Generally, you will spend between C$10,000 to C$15,000 to raise an under 18-year child in Canada. The average monthly cost of raising a child in Canada is $1,100+, and the annual cost is $13,300+.

Let’s explore the various factors that contribute to the average expenses of raising a child in Canada.

• Feeding: Food expenses play a significant role in the cost of raising a child. You can expect to spend between $900 to $3,000 annually on feeding your child in Canada. Special dietary needs or allergies can further impact your food expenses. The method of feeding, whether formula or breastfeeding, also affects costs.
• Daycare Costs: If you require daycare services for your child, the expenses can add up. The cost of daycare varies by province or territory in Canada, with younger children requiring more attention and, therefore, higher costs. For example, full-day daycare costs range from $830 to $1,350 in Alberta, $800 to $1,283 in British Columbia, and $662 to $1,934 in Ontario.
• Diapers: The daily number of diapers your child needs contributes to the overall cost. As your child grows, their diaper needs increase. Expect to spend $500 or more annually on diapers, depending on the quantity required.
• Clothing: Adorable clothing for your little one comes at a price. You may spend around $80 per month during your child’s first year, and the expenses increase as they grow. Babies grow quickly, necessitating the purchase of new clothes to accommodate their size and needs. However, you don’t have to waste the older clothes of your baby as you can keep them for your unborn children. You can even sell them to Once Upon a Child and buy those that fit your child’s current size. 
• Transportation: Whether using your vehicle or public transport, transporting your child adds to the overall expenses. Monthly bus passes in Canada cost around $100 but vary depending on your location. Some provinces have age restrictions for children riding the bus alone or charging a school bus fee. Ontario, Quebec, and New Brunswick have age restrictions on children riding a bus alone. 
• School: School expenses vary depending on the type of school and grade level. Even in public schools, there are out-of-pocket expenses. Supplies for primary school range from $100 to $150, while secondary school expenses can be between $800 and $2,000. Additional costs may include snacks, extracurricular activities, field trips, and sports.
• University: University expenses represent a significant portion of the cost of raising a child in Canada. Average annual costs for Canadian citizens range from C$6,463 for undergraduate degrees to C$7,056 for graduate degrees. Tuition fees, dorm rooms, textbooks, healthcare, transportation, and personal expenses contribute to these costs.
• Miscellaneous Expenses: Various miscellaneous expenses can impact the average cost of raising a child in Canada. Birthday parties can range from $50 to $600 or more, depending on your budget. Babysitting fees average around $14.54 per hour, and extracurricular activities and hobbies can amount to $1,000 or more annually.

How Do I Financially Plan a Baby in Canada?

Planning for a baby in Canada requires careful financial consideration. Here are some steps you can take to prepare for your little one’s arrival financially:

• Improve Your Finances: Boost your financial situation by exploring side hustles or additional income streams. This extra cash flow can help cover the costs of having a baby.
• Pay Off Debt: Prioritize paying off any outstanding debt to reduce financial burdens and save more money for baby-related expenses. Consider creating a debt repayment plan and stick to it.
• Obtain Health Insurance: If you don’t have health insurance already, it’s crucial to secure coverage before delivering a baby in Canada. Health insurance helps offset the costs of prenatal care, hospital stays, and other medical services.
• Evaluate Your Current Insurance: If you already have health insurance, review your coverage to ensure it includes adequate parental services. If your current plan falls short, consider switching to an insurance provider offering comprehensive maternity and newborn care coverage.
• Open a High-Interest Savings Account: Start dedicated savings account for your baby with a high-interest rate. This allows you to set aside funds specifically for your child’s future needs, such as education or other expenses. As you wait for your baby’s arrival, the interest will accumulate, helping your money grow over time.

By improving your financial situation, securing appropriate health insurance, and setting up a savings account, you’ll be better equipped to handle the costs of having a baby in Canada. 

What to Do After Your Child’s Birth in Canada?

The cost of having a baby in Canada doesn’t end after delivery. In fact, it just began immediately after childbirth.

In addition to applying maternity and parental benefits Employment Insurance (EI), you can cut the cost of raising your baby in Canada by:

• Registering Your Child’s Birth: The first step is registering your child’s birth. The province or territory where your child is born will issue a birth certificate. Additionally, you should apply for your child’s health card through the provincial/territorial health authority and obtain their Social Insurance Number (SIN) to qualify for government benefits.
• Applying For Canada Child Benefit: The CCB is a tax-free payment provided by the Canada Revenue Agency (CRA) to assist with the expenses of raising children under 18 years old. To qualify, you must be a Canadian citizen or permanent resident, the primary caregiver for your child, live with the child, and pay your taxes. The amount you receive depends on factors like marital status, child’s age, number of children, and family-adjusted net income. The CCB includes additional benefits like disability tax credits and provincial/territorial benefits. Learn more about the Canada Child Benefit, such as payment dates and the application process.
• Opening a Registered Education Savings Plan: An RESP is an account designed to save for your child’s high school education. Given Canada’s rising education costs, an RESP serves as a valuable nest egg. It offers tax advantages and government grants, such as the Basic and Additional Canada Education Savings Grant and the Canada Learning Bond. Choosing the right RESP plan is crucial, so research the best options available. Opening your account with one of Canada’s best RESP plans is essential.

Final Thoughts on the Cost of Having a Baby in Canada

Having a baby is a life-changing experience filled with love, joy, and precious moments. However, the cost of having a baby in Canada is an important consideration for both citizens and non-citizens. 

From the initial expenses of prenatal care and delivery to the ongoing costs of raising a child, it’s crucial to plan ahead and be prepared. By understanding the various factors that contribute to the overall expenses, such as healthcare, childcare, and education, you can make informed financial decisions for your growing family.

So whether you’re expecting or just considering expanding your family, take the time to explore your options and budget accordingly. Remember, every family’s situation is unique, and resources are available to help you navigate the financial aspects of parenthood.

FAQs on How Much Does it Cost to Have a Baby in Canada

Is it Free to Have a Baby in Canada?

It is not free to deliver a baby in Canada at home with a midwife or at a hospital through vaginal delivery or cesarean section delivery. However, public child adoption is free in Canada.

Do You Get Money for Having a Baby in Canada?

Yes, you get money if you have a baby in Canada through government benefits such as the Canada Child Benefit (CCB) and other provincial/territorial benefits.

How Much Does it Cost to Deliver a Baby in Canada?

The cost of baby delivery in Canada varies by medical procedure and citizenship. As a Canadian citizen with insurance, expect to pay between C$1,160-2,800 for a home birth with a midwife.

However, if you’re not a Canadian citizen or resident, expect to pay C$1,360-3,000 for a home birth with a midwife if you have international insurance.

Is Midwife Free in Canada?

The cost of a midwife varies by province/territory in Canada. Some provincial/territorial governments cover midwife services, while others don’t.

How Much Does Daycare Cost in Toronto?

The cost of daycare in Toronto varies by the age of the child as follows:

• Infants = $96.20
• Toddlers = $89.95
• Preschool = $68.25
• Kindergarten = $35.74

How Much Does Daycare Cost in Canada?

Daycare costs vary by the province in which you reside: 

• Alberta = $830 – $1,350
• British Columbia = $800 – $1,283
• Ontario = $662 – $1,934
• Manitoba = $451 – $651
• New Brunswick = $664 – $868
• Newfoundland/Labrador = $660 – $995
• Nova Scotia = $847 – $960
• Nunavut = $1,213 – $1,411
• Prince Edward Island= $586 – $738
• Saskatchewan = $615 – $1,000
• Northwest Territories= $760 – $1,150
• Quebec= $179
• Yukon= $850 – $900