If you or your partner has fertility problems, IVF could be your best option.
With a 41% success rate of child delivery for women under 35 years old, in vitro fertilization (IVF) is one of Canada’s major treatments for infertility.
However, it may be confusing to figure out the total cost of IVF in Canada considering the variation of clinic, treatment and medication costs.
But what if IVF doesn’t work for you? Surrogacy or adoption got you covered.
Thus, it is essential to understand your financial expenditures before choosing any of these options.
Here I discuss everything you need to know about IVF costs in the Great White North, including the cost of surrogacy and adoption.
How IVF Works in Canada
The Federal Government of Canada recommends IVF as one of the fertility treatment options for Canadians.
This is based on the conviction that IVF works, and its success rate is well documented by the Canadian Fertility & Andrology Society (CFAS).
I have two friends who have undergone IVF treatment successfully, making me understand the financial implications better.
Notwithstanding the financial implications, IVF is worthwhile for spouses looking to establish their own families through fertility treatment.
As in other climes, your sperm or eggs or donated ones could be used to make your dream come true via IVF.
However, not everyone could be eligible for IVF treatment in Canada. IVF is ideal for those with:
- Low sperm counts
- severe endometriosis
- Missing or blocked fallopian tubes
- Consistent unexplained fertility
- Unsuccessful artificial or intrauterine insemination
That said, there’s no 100% guarantee of IVF success in Canada. This means that you may need to apply other fertility treatments or adopt a child to build the family of your dreams.
Consequently, it’s essential to consider the cost of surrogacy and adoption when considering IVF cost in Canada as well.
As you continue reading, you will know the cost of IVF, surrogacy and adoption in Canada and the factors that determine them.
How Much Does IVF Cost In Canada?
The average cost of IVF in Canada is between $9,500 to $17,000 per cycle, including medication fees.
While IVF cost in Canada depends on several factors, it is generally more expensive than other countries like Greece, Turkey, Spain, the Czech Republic and Denmark.
That said, many factors determine IVF cost in Canada. To this, we now turn.
5 Factors that Determines the Cost of IVF in Canada
As mentioned previously, IVF costs in Canada are determined by certain factors as follows:
There are more than 30 fertility clinics in Canada, each with its own quotes and pricing options.
As expected, the higher a clinic success rate, the higher the IVF costs.
Besides the success rate, you should also consider the following factors when choosing the best fertility clinic in Canada:
- Choose the one that suits your needs
- Find about the IVF procedures
- Ask about the available options, risks and benefits
- Ask about the total cost and the duration of the treatment.
- Consult an expert to explore the perfect option for you.
A cycle refers to a complete round of the IVF treatment. If the first circle was unsuccessful, you might have other more cycles. The higher the cycles, the higher the costs.
Generally, your health habits and lifestyle impact the success of an IVF cycle. For example, if you smoke or drink alcohol, you or your partner may undergo more than one IVF circle.
A clinic will provide you or your partner with medication before and throughout the IVF procedure to boost pregnancy chances.
Hence, the cost and amount of fertility drugs administered will also add to the overall IVF treatment cost.
4. Surrogacy Cost
If you or your partner couldn’t undergo IVF treatment successfully, you may need a surrogate. That’s a different woman donating her egg and carrying the pregnancy for you.
While you can get a free surrogate mother in Canada, you need to pay for the clinic and other costs.
Finally, your province or territory determines the cost of your IVF treatment.
If you live in Ontario, New Brunswick, Manitoba, and Quebec, you can enjoy financial assistance for your IVF treatment.
Subsequently, you shall discuss in detail the cost of IVF in these provinces.
Cost of IVF in Canadian Provinces
As mentioned previously, IVF treatment is so expensive in the Great White North that many Canadians can’t afford it.
Consequently, Ontario, New Brunswick, Manitoba, and Quebec offer financial assistance to their residents to help them offset IVF costs.
If you live in either of these provinces, knowing the coverage limit and requirements is essential.
1. IVF Cost in Ontario
Ontario women under 43 can receive financial assistance worth the cost of one IVF treatment. This makes the Ontario coverage different from other provinces.
However, you must have medical and non-medical infertility and a valid Ontario health card to be eligible for this coverage.
That said, this coverage doesn’t cover the cost of drugs, and you or your partner can only receive it once in a lifetime.
Surrogates are entitled to endless artificial insemination rounds and one additional cycle in Canada.
Whether you don’t have a partner or are a same-sex couple, you can receive this benefit.
Moreover, this coverage has a cost limit for medication. It doesn’t also include the cost of testing and storage.
2. IVF Cost in New Brunswick
New Brunswick residents can receive up to $5,000 for their fertility treatment. Like the Ontario grant, the New Brunswick grant is awarded once in your lifetime.
That said, you must meet the following requirements to qualify for the New Brunswick grant:
- Be a full-time resident of New Brunswick
- Hold a valid Medicare card
- Be certified by a physician of suffering and receiving treatment from fertility issues.
Since $5,000 is not up to the average IVF cost in Canada, you can’t rely entirely on this grant for your treatment.
3. IVF Cost in Manitoba
If you’re a resident of Manitoba, you can receive a 40% tax credit for your fertility treatment costs.
However, you will only receive a grant for the expenses your insurer doesn’t cover if you have an insurance plan.
Overall, you can receive up to $8,000 credit under the Manitoba grant.
To qualify for this grant, you must meet the following requirements:
- Be a resident of Manitoba
- Choose a Manitoba licensed clinic or physician.
4. IVF Cost in Quebec
Depending on your family income, you can receive an annual tax credit of up to $20,000 for your IVF treatment in Quebec.
That said, the grant has different claim frequencies for women based on their age. The distribution goes as follows:
- One credit claim per year for women under 37
- Two credit claims per year for women over 37
To qualify for the Quebec tax credit, you must meet the following requirements:
- Lived in Quebec on the last day of the claim taxation year
- Filled your expenses in the taxation year
- You or your partner should have a child prior to the treatment.
- Be certified by a physician that neither you nor your partner passed through non-medical tubal ligation or surgical sterilization.
4 Ways to Pay for IVF Treatment in Canada
Your insurance or government grant may not be enough to cover your IVF treatment in Canada. This is why you need to explore other options.
The following are some of the common ways Canadians used to fund their IVF treatment.
1. Private Grants
Private grants are funds donated by individuals and corporate organizations.
For example, the Generations of Hope Fertility Assistance Fund offers up to $6,000 for fertility treatment costs.
2. Clinics Payment Plans
Some clinics allow you to arrange a payment plan for your IVF treatment. However, you should be cautious of the interest rate and terms.
Crowdfunding sites like Kickstarter and Indiegogo help you raise capital for your IVF treatment in no time.
But to attract more donations on crowdfunding sites, you need to use captivating words while being realistic of your current situation.
4. Health Spending Account (HSA)
A Health Spending Account (HSA) is a self-insured health plan offering tax-free benefits for health and dental costs.
So if you or your employer registered for the HISA, you could convert the cost of your IVF treatment up to the maximum tax-free benefit.
Understanding Surrogacy in Canada
Surrogacy is a free service in Canada that allows you or your wife to donate her egg to a surrogate mother who carries the pregnancy for you.
While surrogacy in Canada is legal, paying a surrogate mother is illegal in the country. However, you can pay the surrogate mother out-of-pocket expenses based on the pregnancy.
Furthermore, surrogacy arrangement through a third party is a crime in Canada.
So the question is, is surrogacy really free in Canada? The answer is no. So what is the cost of surrogacy in Canada? Let’s find out.
How Much Does Surrogacy Cost in Canada?
The cost of surrogacy in Canada varies. But it ranges between $58,000 to $90,000, which is less than other countries (such as the US). The following factors determine the cost:
- Agency fees
- Fertility clinic costs
- Legal contracts
- Psychological and Medical screening
- Reimbursements to the surrogate
- Embryo transfer
That said, the following factors also determine the average cost of surrogacy in Canada:
- Intending parents location
- Number of tests
- Number transfers
- The required expenses of the surrogate mother.
Understanding Adoption in Canada
Finally, you may have to settle for adoption if IVF and surrogacy don’t work for you.
However, there are specific terms and conditions of adopting children in Canada.
When it comes to child adoption in Canada, you have three options. These are: public, private and international.
1. Public Adoption
This is a type of adoption from the guardian of a provincial child welfare authority. A provincial child welfare authority takes care of children whose parents are unable to parent them.
That said, the size of children under this care rage from newborns to teenagers.
2. Private Adoption
This type of adoption is from adoption agencies that are licensed and subject to the provincial authority.
Children under this care are placed by their parents mostly at birth. Thus, most of the children under this care are infants.
3. International Adoption
As the name implies, this is a type of adoption from other countries.
Since different countries have different international adoptions, you need to contact your provincial adoption agency for information on your desired country’s international adoption.
How Much Does Adoption Cost in Canada?
The cost of adoption in Canada depends on the type of adoption you choose.
The following table shows the average cost of adoptions in Canada per adoption type:
|Type of Adoption||Average Cost|
|Private Adoption||Born in Canada – $15,000-$25,000+
Born Overseas – $25,000-$50,000+
|International Adoption||$30,000 and $50,000+|
IVF treatment could be what you need to build your dream family.
While IVF in Canada may be costly, it’s worth funding by all means.
Even if you’re not a resident of the four Canadian provinces that offer fertility treatment assistance, you have several other means of funding the treatment.
But if after the treatment you didn’t get a positive result, surrogacy is worth considering. The last option you want to consider is adoption.
In all of this, you should always consider the cost in order to avoid costly financial mistakes in the long run.
If you need further help figuring IVF costs in Canada, don’t hesitate to contact me or drop your concerns in the comment section.
FAQs on IVF Cost in Canada
Is IVF in Canada Free?
IVF is not free in Canada. The average cost of IVF in Canada is between $9,2500 to $17,000 per cycle, including medication fees.
However, Ontario, New Brunswick, Manitoba, and Quebec offer IVF financial assistance to their residents.
Is IVF Covered By Insurance in Canada?
Yes. But not all health insurance policies cover IVF in Canada. Even those that cover have limited coverage.
Is Surrogacy Free in Canada?
Yes, surrogacy is free in Canada because you’re not expected to pay the surrogate mother anything. However, surrogacy costs between $58,000 to $90,000 due to agency fees, clinic costs and other factors.
Can You Adopt for Free?
Yes, you can adopt a child for free in Canada once it’s under public adoption. That’s adoption from the guardian of a provincial child welfare authority.
If you have more questions on IVF cost 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.
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