Since the 20th century, Canada has experienced major improvements in maternity care leading to improved prenatal care, low infant mortality rates, and improved fertility treatment options.
Thus, delivering a baby in Canada is an exciting experience considering the high-quality medical facilities and low rates.
But whether you’re a citizen or a non-citizen, having a baby in Canada will be an enormous financial burden if you’re not prepared.
While the cost of having a baby varies per province/territory in Canada, there is an average amount to help you set a viable budget.
Here I discuss the various ways of having a baby in Canada, the costs, and what to do before and after delivering a baby in the Great White North.
Understanding Childbirth in Canada
Canada is one of the Baby-Tourism destinations in the world with an excellent health care system.
With birthright citizenship, many people around the world find Canada their favorite destination to deliver a baby. After that, the baby will be an automatic citizen of Canada and be entitled to all governmental benefits.
When it comes to raising children, Canada is also an ideal place due to its childcare benefits, educational benefits, and a host of other benefits in the country.
Thus, it’s easy to see why delivering a baby in Canada is an excellent decision for citizens and non-citizens.
Hence, many people like you ask how much does it cost to have a baby in Canada?
Whether you’re a citizen or a non-citizen, knowing the cost of childbirth in Canada is essential to avoid surprises that may ruin your finances.
Subsequently, you will understand how much it costs to have a baby in Canada and what to do before and after delivering your baby.
How Much Does it Cost to Have a Baby in Canada?
The cost of having a baby in Canada is free in most provinces/territories for citizens and permanent residents.
However, the average cost of having a baby in other provinces/territories for citizens with insurance is C$1,300 for hospital delivery; C$1,160-2,800 for home delivery with a midwife; and C$300-1,300 for c-section delivery at a hospital.
On the other hand, the cost of child delivery in Canada for citizens with no insurance is between C$5,500- 8,700 for hospital delivery; C$3,000 for home delivery with a midwife; and C$10,500-12,500 for c-section delivery at a hospital.
Average Cost of Childbirth in Canada for Citizens
|Medical Process||Average Cost with Insurance (CAD)||Average Cost with no Insurance (CAD)|
|Prenatal ultrasound||300||300 – 500|
|One prenatal doctor visit and care||0||100-150|
|Vaginal delivery at a hospital||1,000||5,000- 8,000|
|Home delivery with a midwife||860-2,500||2,500|
|A cesarean section at a hospital||0 – 1,000||10,000 – 12,000|
That said, the cost or delivery of a baby 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; C$500-1,500 for c-section at a hospital.
However, the cost of having a baby in Canada for non-citizens without international insurance is between C$3,000 for home delivery with a midwife; C$5,500-8,500 for vaginal delivery at a hospital; and C$10,500-12,500 for c-section at a hospital.
Average Cost of Childbirth in Canada for Non-Citizens
|Medical Process||Average Costs Without Insurance
|Average Costs with International Insurance
|Prenatal fetal screening||100–150||0|
|Home delivery with a midwife||2,500||860 – 2,500|
|Vaginal delivery at a hospital||5,000 – 8,000||0 – 1,000|
|A cesarean section at a hospital||10,000 – 12,000||0 – 1,000|
|One antenatal care visit||300–500||0–300|
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
So far, I have explained the average cost of delivering a child in Canada for both citizens and non-citizens.
However, I’ve not yet done justice to the question: How much does it cost to have a baby in Canada?
While the cost of having a baby is free in most Canadian provinces/territories, the cost varies significantly in other provinces/territories based on medical procedures. This means that whether you’re a citizen or a non-citizen, the cost of your childbirth depends on the process of delivery.
Here I discuss the cost of having a baby in Canada per medical procedure and other ways of having a child.
1. Natural/Hospital Birth
Natural birth means home birth with a midwife. The average cost of home birth with a midwife in Canada for citizens with insurance is C$1,160-2,800 and C$3,000 for those without insurance.
However, the average cost of home birth with a midwife in Canada for non-citizens with international insurance is C$1,360-3,000 and C$3,000 for those without international insurance.
On the other hand, hospital birth constitutes both vaginal delivery and cesarean section delivery. The table following shows the average cost of vaginal delivery and cesarean section delivery in Canada for citizens and non-citizens.
|Medical Process||Citizens with Insurance||Citizens without Insurance||Non-citizens with Insurance||Non-citizens without Insurance|
|Vaginal delivery at a hospital||C$1,300||C$5,500- 8,700||C$500-1,500||C$5,500-8,500|
|A cesarean section at a hospital||C$300-1,300||C$10,500-12,500||C$500-1,500||C$10,500-12,500|
That said, the cost or delivery of a baby 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; C$500-1,500 for c-section delivery at a hospital.
However, the cost of having a baby in Canada for non-citizens without international insurance is between C$3,000 for home delivery with a midwife; C$5,500-8,500 for vaginal delivery at a hospital; and C$10,500-12,500 for c-section delivery at a hospital.
2. IVF Birth
In vitro fertilization (IVF) is one of the common ways of having babies in Canada for couples with fertility problems.
If you’re delivering a baby in Canada through IVF, expect to spend between $9,2500 to $17,000 per cycle. The exact cost of IVF in Canada depends on several factors such as:
- Number of circles
- Medication cost
That said, Ontario, New Brunswick, Manitoba, and Quebec public health systems offer financial assistance to offset the course of IVF treatments. The following is a breakdown of the maximum financial assistance of these provincial public systems.
- Ontario = Worth the cost of one IVF cycle
- New Brunswick = $5,000
- Manitoba = $8,000
- Quebec = $20,000 tax credit
However, terms and conditions apply. So you need to check your eligibility in your province. Note
: There’s no guarantee of childbirth through IVF. As a result, you may need to explore other options to have a baby in Canada.
3. Surrogacy Birth
could be your next option if IVF didn’t work for you. This involves donating your egg to a surrogate mother to deliver a pregnancy for you.
Although surrogacy is legal in Canada, you’re not allowed to pay a surrogate mother to deliver a pregnancy for you. However, this doesn’t mean that surrogacy is totally free in Canada.
Thus, agency fees, legal contracts, fertility clinic costs, and other factors make the average cost of surrogacy in Canada between $58,000 to $90,000.
4. Child Adoption
Your last option of having a baby in Canada could be child adoption. Unfortunately, you have to consider this option if you are determined to build your family by all means.
That said, the following are the ways you can adopt a child in Canada:
- Public Adoption: Public adoption is based on the guardian of a provincial child welfare authority. This type of adoption is free in Canada.
- Private Adoption: Private adoption is based on provincial authority’s licensed and regulated adoption agencies. Private adoption costs between $15,000-$25,000+ for children born in Canada and $25,000-$50,000 for children born overseas.
- International Adoption: International adoption is based on international countries through provincial adoption agencies. The average cost of international adoption is between $30,000 and $50,000+.
The Average Cost of Raising a Child in Canada
After “how much does it cost to have a baby in Canada?” the next question is how much does it cost to raise a child in Canada?While the cost of delivering a baby in Canada is relatively cheap, raising a child is expensive.Generally, you will spend between C$10,000 to C$15,000 to raise an under 18-year child in Canada. That said, the average monthly cost of raising a child in Canada is $1,100+, and the annual cost is $13,300+.Subsequently, I discuss the major factors that constitute the average cost of raising a child in Canada.
Food is one of the major factors that constitute the average cost of raising a child in Canada. Expect to spend an average of $900-$3000 annually on feeding your child in Canada. However, you may spend less or more than this range depending on your food timetable. Furthermore, if your child has special dietary needs or allergies, it will add up to your annual food expenses.Finally, the method of feeding your little one also determines your food expenses. If you are using a formula instead of breastfeeding, the cost will be higher.
2. Daycare Costs
Taking your child to a daycare center also adds to the overall cost of raising them in Canada. Whether home-based or full-day daycare center, the cost of a daycare center depends on your child’s age. However, the younger your child is, the higher the cost because they require more attention from the caregiver. That said, the cost of daycare varies per province or territory in Canada. The following is the average cost of full-day daycare per Canadian province/territory:
- 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
The amount of diapers you’ll need daily also adds up to the total cost of raising your child in Canada. Generally, as your child gets older, the need for diapers increases. That said, expect to spend $500+ annually depending on the number of diapers you need. You can do the maths yourself by multiplying the amount of one box of diapers ($30+) by the number you need.
If you like to shower your little one with gorgeous clothing, be ready to pay the price. You may spend as much as $80 monthly on your child’s first year. Although the clothing expenses depend on your income, the more your child gets older, the more you spend on clothing. Since babies grow fast, you will find yourself buying new clothes accordingly to fit their growing size and special 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.
Whether you’re using your vehicle or public transport, the cost of transporting your child to and from also adds up to the overall cost of raising them in Canada. The cost of a bus pass in Canada is about $100 monthly. However, the cost adds up when you’re riding with your child, but it varies from one location to another.That said, Ontario, Quebec, and New Brunswick have age restrictions on children riding a bus alone. On the other hand, some provinces charge a school bus fee for transporting your child to school; others don’t.
School expenses vary in Canada based on the type of school you enrolled your child in. But even if you enrolled your child in a public school, which is free, there are out-of-pocket expenses.That said, the following is a breakdown of the average expenses of school supplies in a Canadian public school:
- Primary school = $100 and $150
- secondary school = $800 and $2,000
Furthermore, the school expenses could add up with the cost of snacks, extracurricular activities, field trips, sports, among others.Generally, the younger your child is the more school supplies. But you can spend $700+ on school supplies for your younger children, consisting of the cost of electronics and books.
University expenses constitute the large cost of raising a child in Canada. This is why most Canadian parents looking to send their children to the university save ahead of time. Thus, the average cost of annual university expenses in Canada for Canadian citizens is:
- C$6,463 = for undergraduate degree
- C$7,056 = for graduate degree
However, the average cost varies per program and the institution your child is enrolled in. The cost covers:
- Tuition fees (per semester)
- Dorm room
- Health care and personal care
- Public transportation
- Cell phone
- Sports and extracurricular activities
8. Miscellaneous Expenses
Finally, the average cost of raising a child in Canada depends on miscellaneous expenses, such as:
- Birthday Parties: You could spend anything between $50 to $600+ for your child’s first birthday party. However, it’s essential to choose an amount that suits your budget since not all parents spend the same amount on birthday parties.
- Babysitting Fees: Delegating your parenting responsibilities to a babysitter in Canada costs $14.54 per hour. Depending on the hours you want to delegate your roles to a babysitter, you could spend hundreds of dollars monthly.
- Extracurricular Activities: Supporting your child’s skills and hobbies is the way to expose their full potential. However, you could spend up to $1,000+ on your child’s extracurricular activities and hobbies in Canada.
How Do I Financially Plan a Baby in Canada?
The best way to financially plan for a baby in Canada is to improve your finances. This means taking side hustles and paying off your debt to have more cash flow.
As you can see, the cost of childbirth in Canada varies significantly between those that have insurance and those that don’t. So if you don’t have health insurance already, you should do so before delivering a baby in Canada.
But if you already have health insurance that doesn’t cover enough parental services, don’t hesitate to find another insurance provider with robust coverage.
Finally, opening a high-interest savings account for your baby is another brilliant financial plan ahead of your delivery. As you’re waiting for your baby, your interest is accumulating, and your money is growing.
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:
1. Registering Your Child’s Birth
Registering for your childbirth is the first thing to do once you deliver a baby in Canada. The province or territory your child is born in is responsible for issuing the birth certificate.
Furthermore, you should apply for your child’s health card through your provincial/territorial health authority.
Finally, you should apply for your child’s Social Insurance Number (SIN) online or in your province/territory to qualify for government benefits.
2. Applying For Canada Child Benefit
Canada Child Benefit (CCB) is a tax-free payment administered by the CRA to offset the cost of raising children under the age of 18.
However, you must meet the following requirements to qualify for the Canada Child Benefit:
- Be a Canadian citizen or permanent
- Be the primary person responsible for raising the child.
- Live with under 18-year old child
- Pay your taxes
Once you apply for CCB, you will be receiving monthly benefits annually. But the amount of CCB you will receive depends on your:
- Marital status
- Child’s age
- Number of children
- Family adjusted net income
To learn more about the Canada Child Benefit, such as payment dates and application process, click here.
3. Opening a Registered Education Savings Plan
A Registered Education Savings Plan (RESP) is an account that helps you save for your child’s high school education.
With the increasing cost of high school in Canada, an RESP is your nest egg ahead of your child’s school days.
Furthermore, RESP is a tax-advantaged account with additional government grants such as the:
- Basic and Additional Canada Education Savings Grant
- Canada Learning Bond
However, not all RESPs are the same. So it’s essential to open your account with one of the best RESP plans in Canada.
Final Thoughts on the Cost of Having a Baby in Canada
How much does it cost to have a baby in Canada? Now you know the answer.
Regardless of whether you’re a citizen or a non-citizen, figuring out the cost of having a baby in Canada is fundamental to avoiding disappointments.
As discussed above, the cost of having a baby in Canada varies per province/territory, medical procedure, and citizenship.
While the cost is lower for Canadian citizens, non-citizens can offset the cost with their international insurance.
But if you end up choosing surrogacy or adoption in Canada, it’s also essential to know the cost.
Finally, ensure you prepare well for your baby and claim all the government benefits to reduce the cost of raising your child in Canada.
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 in the form of 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 delivering a baby 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 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
If you have more questions on “how much does it cost to have a baby in Canada?” drop them in the comment section.
Hi, I'm Adeola Adegoke. I am a licensed Insurance Broker in Manitoba, and I hold a master’s degree in Mathematical Sciences (with a major in Financial Modeling) from the African Institute for Mathematical Sciences (AIMS), Tanzania.
Also, I have a second master's degree in Statistics from the University of Regina, and I am currently pursuing my Ph.D. in Statistics at the University of Manitoba.
The primary purpose of Money Reverie is to help everyday Canadians make better financial decisions by providing up-to-date financial news and information, reports, product reviews, and government programs.