Funding for Fertility Services
Working with a fertility clinic can be expensive, but many provincial governments offer some cost coverage.
Government Funding
Fertility treatment is not universally accessible in Canada. However, provincial governments are beginning to offer treatment coverage.
The following information outlines which provinces have coverage and the eligibility requirements:
Ontario
Ontario funds one IVF cycle or one egg freezing (fertility preservation cycle) for women up to age 42.
There is no limit on age or the number of treatment cycles for intrauterine insemination (IUI). Sex, gender, sexual orientation, or family status are not considerations in fertility treatment eligibility.
The province does not cover the cost of medications.
The eligibility requirements for the program are:
For IVF, the candidate must be under the age of 43;
Must be a resident of Ontario;
Must possess a valid OHIP Card;
Have a medical diagnosis of fertility issues from a licensed practitioner.
Quebec
Quebec funds one IVF cycle for women up to age 41. It also pays for medications as well as freezing and storage of extra embryos for a year.
Nova Scotia
The Nova Scotia Fertility and Surrogacy Rebate is a refundable tax credit equal to 40% of the cost of fertility treatments provided by a Nova Scotia-licensed medical practitioner or infertility treatment clinic and for surrogacy-related medical expenses.
There is no limit on the number of treatments an individual can claim, but the maximum annual claim is $20,000 in eligible costs for a maximum annual tax credit of $8,000.
To be eligible, you must possess a valid MSI card
Manitoba
Manitoba offers a tax credit equal to 40% of the cost of fertility treatments. Up to $20,000 annually in eligible costs can be claimed for a maximum annual tax credit of $8,000. There is no limit on the number of treatments.
To be eligible, you must be a resident of Manitoba possessing a valid Manitoba Health Card.
New Brunswick
New Brunswick offers residents a one-time grant for coverage of costs associated with fertility treatment.
Eligible participants can claim 50% of costs for in vitro fertilization or intrauterine insemination procedures as well as medication, up to a lifetime maximum of $5,000.
The eligibility requirements for the program are:
Must be a full-time resident of New Brunswick possessing a New Brunswick Medicare card;
Have a medical diagnosis of infertility from a licensed physician;
Must have received infertility treatment after April 1, 2014.
Newfoundland & Labrador
The fertility subsidy program aims to assist individuals who must travel out of the province for fertility treatments.
The subsidy provides $5,000 per In-Vitro Fertilization (IVF) cycle to applicants who meet clinical eligibility up to a maximum of three IVF cycles throughout their lifetime.
Services included in the subsidy program may include IVF, frozen embryo transfer, donor egg cycles, donor embryo cycles, oocyte cryopreservation, intracytoplasmic sperm injection (ICSI), and gestational carrier cycles, as well as medications associated with these services.
The services must be provided at a clinic of the applicant’s choosing located within Canada. This is retroactive to August 4, 2021.
The eligibility requirements for the program are:
Must hold a valid MCP card;
Must be referred for fertility services by the Newfoundland and Labrador Fertility Services clinic to an IVF clinic, of the individual’s choice, within Canada; and,
Must not have previously received a provincial subsidy for more than three cycles of IVF services.
Prince Edward Island
Prince Edward Island residents are eligible for reimbursement of between $5,000 and $10,000 annually for IVF and/or IUI, including medication, based on family income.
Treatment is unavailable in the province, so people can submit a claim after having it elsewhere in Canada.
Funding is available up to three times.
British Columbia
As part of its 2024/2025 budget, the B.C. government has plans to cover one cycle of in vitro fertilization (IVF) beginning April 1, 2025. Program specifics have not been released.
Alberta, Saskatchewan, and the territories do not currently provide fertility treatment coverage.
Benefits Coverage
Your employer benefits may cover the costs of fertility, surrogacy, adoption, and egg/sperm donor services.
When starting a family-building journey, your Family Building Advisor can help you create a budget based on your required services and coverage available. We want to help you understand the total financial impact, including costs covered by the government and benefits.
