Recently, couples and women have been waiting to have a child later in life. However, fertility problems can prove to be an issue the longer you wait and delay.
In such situations, it is important to choose options such as in vitro fertilization (IVF). Of course, the IVF cost in Canada is an important factor to consider before beginning this process.
Our fertility lawyer in Canada has created in in-depth guide to help answer how much is IVF in Canada.
What is IVF?
In vitro fertilization (IVF) is an assisted reproduction technology where an egg is fertilized outside the body and then transferred to the uterus of the woman. It is one of the most commonly used methods to improve pregnancy chances.
If you are struggling to conceive a child, then you can opt for IVF as a pregnancy plan. However, it is crucial to understand the IVF cost in Canada before you decide to opt for it.
How Much is IVF in Canada: Average IVF Cost in Canada
The average IVF cost in Canada can range between $7,000 and $11,000.
Please note that this is the cost of one cycle of IVF. There is no guarantee that the couple will conceive in one cycle.
If someone requires more than one IVF cycle, then their cost will increase as they might also need additional procedures. On the other hand, the cost of IVF drugs and doctor consultations can also increase the cost by thousands of dollars.
About 50% of your cost may also go into IVF medications, which can include the following:
- Luteinizing hormone injections
- Prenatal vitamins
- Follicle-stimulating hormone
- Antibiotics for any complications
- Human chorionic gonadotropin injection
- Folic acid and vitamin D
- Drugs that will help in producing high-quality eggs
So, keep all of these costs in mind before you decide to opt for this plan. You can also opt for surrogacy in Canada as another option to have a child.
What Does the IVF Cost in Canada Cover: A Breakdown
When you pay for IVF cost in Canada, you are paying for a multitude of things, which include the following:
1. Health Checks
Conducting fertility checks and health checks is incredibly important during IVF treatment. A checkup is necessary to determine whether the couple’s health is ideal for this procedure.
Professionals will confirm whether the couple has existing illnesses that can be passed on to the child or complicate the pregnancy. They will also check the gametes’ health.
All of this is done to ensure that your IVF procedure is as successful as possible.
2. Ovulation Induction
The IVF cost in Canada will also consider the ovulation induction process. Gametes are incredibly important for the process, as the best sperm and eggs are crucial to getting the best results.
When using fertility drugs for this process, female egg production will increase. Your professional will keep track of this process and let you know the ideal time to retrieve your eggs.
3. Gathering of Gametes
The IVF professionals will then retrieve the eggs and sperm to begin the IVF procedure. They will perform a transvaginal ultrasound to determine the best possible eggs to use for the procedure.
The key is to get a high-quality sample. Your IVF cost in Canada will also cover this cost during the procedure.
4. Fertilizing
The next step is to inseminate the woman with the egg and sperm collected from the previous step. The professional will combine both samples in the petri dish.
They will inject the sperm into the egg to ensure fertilization. The process of fertilization is also included in your IVF cost in Canada.
5. Implanting
Your IVF specialist will monitor the embryo’s growth in the lab. Although a large number of fertilized eggs will be used during this time, only one or two will be used for the best results.
Once the eggs have been selected, the specialist will make sure it enters the uterus of the woman. After it is in the womb, the fertilized egg will attach and begin its development.
What Affects the IVF Cost in Canada?
Depending on a few factors, the IVF cost in Canada can be high or affordable. Our fertility lawyer in Canada has discussed a few factors that will affect the cost of IVF in Canada for you:
1. The Treatment Plan You Opt for
Even though the IVF procedure is the same, there are individual differences one has to account for. For example, you might have some health or infertility issues that can hinder the IVF procedure.
Your doctors will assess your health and then decide what approach to use. They might advise you to opt for various treatment plans, depending on your issues.
So, you will have to take this into account when determining the IVF cost in Canada.
2. Checkups and Tests
Throughout the process, you will require various checkups and tests. These are done to ensure that the process turns out to be in your favor.
The tests that will be done will depend on your specific situation. The nature and frequency of the tests will cause the IVF cost in Canada to increase for you.
3. Medication Needed
During the IVF procedure, doctors use medication to improve egg production. However, the type of medication they use will differ, depending on your situation and treatment plan.
Some of these medications can be expensive, leading to an increase in costs for you.
4. Any Additional Procedure
Additional cycles and procedures will also increase IVF costs in Canada for the couple. Not everyone is fertilized during the first cycle.
Couples might need a few rounds of cycles before they can get pregnant. On the other hand, your IVF specialist might want to use advanced procedures for better results.
So, these procedures will also drive up your IVF cost in Canada.
5. The IVF Clinic
Finally, the IVF clinic you select for this procedure will also impact your cost. There are many top clinics available in the country for IVF.
Check out the clinics in your local region, and then shortlist them based on the costs and other factors. You can do a comparison and see what works best for you and your spouse.
Success Rate of IVF in Canada
The success rate of IVF in Canada depends on the method used, age, and other factors. However, depending on the type of method used, here are estimates of IVF success rates:
- IVF with Donor Eggs: Between 80 and 99%
- IVF with Self Sperm: 75%
- IVF with Donor Sperms: 70%
- IVF with Self Eggs: 70%
- IVF with ICSI: 85%
- IVF with PESA: 55%
- IVF with FET: 60%
- IVF with PGD: 43%
For a better assessment of the IVF success rate of your case, it is better to discuss with a professional to understand your options and potential success rates.
How much is IVF in Canada: IVF Cost in Canada according to Province
IVF clinics in different provinces have different costs. Here is the estimated IVF cost in various provinces across the country:
| IVF cost in Ontario | Between $10,000 and $15,000+ |
| Cost of IVF in British Columbia | Between $12,000 and $15,000+ |
| IVF Cost in Alberta | Between $9,000 and $17,000+ |
| IVF Cost in Manitoba | Between $10,000 and $15,000+ |
| Cost of IVF in Nunavut | Between $10,000 and $15,000+ |
| IVF Cost in Nova Scotia | Between $8,000 and $20,000+ |
| IVF Cost in New Brunswick | Between $8,350 and $15,000+ |
| Cost of IVF in Yukon | Between $10,000 and $15,000+ |
| IVF Cost in Newfoundland and Labrador | Between $12,000 and $17,000+ |
| IVF Cost in Prince Edward Island | There are no fertility clinics in PEI |
| IVF Cost in Saskatchewan | Between $6,000 and $15,000+ |
| Cost of IVF in Quebec | Between $6,000 and $17,000+ |
| IVF Cost in Northwest Territories | Between $10,000 and $15,000+ |
Financing Options for IVF: Top Three Options to Pay for IVF
Now that you are familiar with the IVF cost in Canada, you probably understand that you will need some financing for these expensive treatments.
If you don’t know where to begin to finance the IVF treatment, here are some of the top options you can choose from:
Option 1: Loans
If you don’t have enough funds to cover IVF costs, then we recommend you opt for the loan option. There are lending companies that can provide you with a loan or you can also opt for a bank loan.
The interest rates and other variables will differ, which is why it is crucial to compare your options and decide which one will suit your needs best. Please verify your policy before you opt for it as some might only cover the VF cost in Canada partially.
Once you do, you will be in a much better position to decide what loan to go for.
Option 2: Dip Into Your Personal Savings
Many couples have financial goals and decide to put money aside for such future medical expenses. If you have done this, then you can dip into your personal savings to pay for the IVF cost in Canada.
The best part is that you will not be burdened, as you will not have to pay back this amount to someone else. Of course, if you don’t have this option, then you will need to go for another financing option.
Option 3: Government-Funded IVF in Ontario & Other Provinces
Governments of various provinces have funding programs to help families with IVF. Depending on the province you live in, you can check if you have this option at your disposal.
Please note that you will have to meet certain eligibility criteria to receive the funding. For example, government-funded IVF in Ontario has these requirements for eligibility:
- Patients must be living in Ontario
- You must have a valid Ontario health card
- You must be under the age of 43
- If you are a surrogate, then Ontario will cover only one additional cycle
In the same way, the province you live in will also have requirements that will help you determine whether you are eligible for government funding for IVF.
IVF Canada Age Limit
The IVF Canada age limit depends on the province. For example, Ontario has an age limit of 43 for IVF.
On the other hand, Quebec’s age limit has been set at 41. You will have to check with your province to see the age limit set for IVF, and typically, it is above 40.
IVF Gender Selection Cost in Canada
Yes, there is also an option to select the gender of the baby during IVF when you choose which embryos to plant in the mother’s womb. IVF gender selection costs in Canada can range anywhere between $5,000 and $10,000.
This is on top of the IVF costs you will already be incurring. Be sure to talk to your IVF specialist to help understand these costs in further detail.
FAQs
What is the average price of IVF Canada?
The average price of IVF in Canada for one treatment cycle is between $7,700 and $11,100.
Where in Canada is IVF free?
Ontario, Manitoba, and Quebec have been providing one cycle of IVF free to eligible couples. British Columbia is also joining them starting April 2025 to fund one cycle of IVF treatment for couples.
Is IVF covered by insurance in Canada?
There is no national insurance plan in Canada covering fertility services such as IVF and others. However, you might be able to get some limited provincial coverage for treatment.
Which country has the cheapest IVF?
Nepal and India offer some of the cheapest IVF options in the world. You can check their requirements to see whether you can get IVF treatment from there.
Contact Our Fertility Lawyer in Canada to Learn More about IVF
If you and your spouse are looking for IVF options, we recommend you get in touch with our fertility lawyer in Canada. Athena Narsingh is one of the top family lawyers who will guide you seamlessly throughout this process.
For more information, schedule a free consultation with us today.
Author Profile
- Athena Narsingh is a trusted and knowledgeable lawyer in Scarborough. Her expertise spans real estate law, family law, adoptions and fertility law. A lawyer by profession and a humanitarian by heart, Athena Narsingh wants to help people become more familiar with the legal system and be well-informed to make important legal decisions.
Latest entries
legal guidanceDecember 9, 2024Egg Freezing Cost in Toronto: How Much Does it cost to Freeze Your Eggs in Ontario?
legal guidanceNovember 11, 2024Egg Donation Pay: How Much Do Egg Donors Get Paid in Canada?
legal guidanceOctober 17, 2024IUI Vs. IVF: Which One Is Better For You & Why?
legal guidanceOctober 1, 2024IVF Cost in Canada Breakdown: How much is IVF in Canada?