Introduction
If you’ve been exploring fertility treatment options, one of the first questions that comes to mind is — “How much does IVF cost in Canada?”
In vitro fertilization (IVF) has become one of the most popular and effective treatments for couples struggling with infertility. However, its cost varies significantly across Canada depending on your city, ivf clinic in Canada, and the type of IVF treatment required.
This blog breaks down the average IVF cost in Canada (2025), province-wise funding options, additional expenses, and frequently asked questions to help you make an informed decision before beginning your journey.
Average IVF Cost in Canada
The average cost of one IVF cycle in Canada ranges from CAD $10,000 to CAD $20,000, depending on the clinic, medications, and add-on procedures like ICSI or genetic testing (PGT).
Cost Component | Average Price (CAD) | Description |
Initial Consultation & Assessment | $200 – $500 | Fertility evaluation, blood tests, ultrasound |
IVF Cycle (Egg Retrieval, Fertilization, Transfer) | $10,000 – $15,000 | Standard procedure cost |
Fertility Medications (Hormone Stimulation) | $5,000 – $7,000 | Medications to stimulate ovaries |
ICSI (Intracytoplasmic Sperm Injection) | $1,500 – $3,000 | Optional for male infertility |
PGT / Genetic Testing | $3,000 – $6,000 | Checks embryos for genetic issues |
Embryo Freezing + 1 Year Storage | $1,000 – $2,000 | For future use |
Total Estimated Cost (Per Cycle) | $15,000 – $25,000 | May increase with additional cycles |
Note: Medications are often billed separately from the IVF procedure itself.
IVF Cost in Canada: City-Wise Breakdown (2025)
City / Province | Average IVF Cost (CAD) | Medications (CAD) | Notes |
Toronto (Ontario) | $10,000 – $15,000 | $5,000 – $7,000 | Ontario funds one IVF cycle for eligible women under 43 (excluding medication). |
Vancouver (British Columbia) | $10,000 – $12,000 | $5,000 – $9,000 | No public funding, private payment common. |
Calgary (Alberta) | $10,200 – $15,000 | $4,000 – $7,000 | No provincial funding; private cost basis. |
Edmonton (Alberta) | $9,800 – $15,000 | $5,000 – $7,000 | Similar range as Calgary. |
Montreal (Quebec) | $8,500 – $12,000 | Covered (for first cycle) | One fully funded IVF cycle under RAMQ program for eligible patients. |
Ottawa (Ontario) | $10,500 – $15,000 | $5,000 – $7,000 | Ontario public funding applicable. |
Winnipeg (Manitoba) | $9,500 – $13,000 | $4,500 – $6,500 | Fertility Tax Credit covers 40% of treatment cost. |
Halifax (Nova Scotia) | $10,000 – $13,000 | $5,000 – $7,000 | Fertility and Surrogacy Tax Credit available. |
Saskatoon (Saskatchewan) | $10,000 – $14,000 | $5,000 – $8,000 | No government funding currently. |
Factors Affecting IVF Cost in Canada
Type of IVF Treatment:
Conventional IVF, ICSI (for sperm injection), or donor egg IVF — each has different cost structures.Medications Used:
Prices vary depending on dosage, drug type, and duration of ovarian stimulation.Additional Procedures:
Genetic testing (PGT)
Egg or sperm donor program
Embryo freezing & storage fees
Each of these adds thousands of dollars to the base cost.
Number of Cycles Required:
Many couples need 2–3 cycles for a successful pregnancy, multiplying the total expense.Province & Funding Availability:
Provincial healthcare plans and credits can lower your out-of-pocket cost.
Provincial IVF Funding Programs in Canada (2025)
Province | IVF Funding / Support | Key Details |
Ontario | 1 IVF cycle funded (procedure only) | Medications not covered; must be performed in a licensed fertility clinic. |
Quebec | 1 fully funded IVF cycle (procedure + medications) | For women under 41; includes embryo freezing for 1 year. |
Manitoba | Fertility Treatment Tax Credit | Refundable tax credit covers up to 40% of treatment costs. |
Nova Scotia | Fertility and Surrogacy Tax Credit | Tax credit covers up to $20,000 in eligible expenses. |
Alberta / BC / Saskatchewan | No direct funding | Patients pay privately; some private insurance may cover parts of medication costs. |
Newfoundland & PEI | Limited or no coverage | Patients typically pay full cost. |
Is IVF Covered by Insurance in Canada?
Most private insurance plans do not cover IVF treatment, though some may reimburse:
Fertility medications
Diagnostic tests
Doctor consultation fees
You should review your policy or speak with your HR department for employer-based fertility benefits.
IVF Success Rate vs. Cost
The success rate of IVF in Canada depends on several factors including age, egg quality, and underlying health conditions.
Age Group | Average IVF Success Rate | Cost Range (CAD) |
Under 35 | 50–55% | $15,000 – $20,000 |
35–40 | 40–45% | $15,000 – $25,000 |
Above 40 | 20–25% | $18,000 – $28,000 |
Tip: Many clinics offer multi-cycle or refund programs that reduce the per-cycle cost if you need multiple attempts.
Tips to Manage IVF Costs in Canada
Compare multiple clinics for transparent pricing
Check if your employer provides fertility coverage
Apply for provincial tax credits or funding
Consider freezing embryos during your first cycle to save future costs
Explore financing or payment plans offered by fertility clinics
Frequently Asked Questions (FAQs)
1. How much does one round of IVF cost in Canada?
The average cost of one IVF cycle in Canada ranges between CAD $10,000 and $20,000, excluding medications. Including all add-ons, it can reach CAD $25,000+.
2. Is IVF free in Canada?
IVF is not free, but some provinces like Ontario and Quebec offer funding for one IVF cycle under specific eligibility criteria.
3. What is included in the IVF package cost?
Typically, it includes egg retrieval, fertilization, and embryo transfer. Medications, ICSI, PGT, and storage fees are billed separately.
4. Does health insurance cover IVF treatment?
Most private health insurance does not cover full IVF costs, though some plans may reimburse medications or consultation fees.
5. How many IVF cycles are needed for success?
Most couples require 2 to 3 cycles for a successful pregnancy, depending on age and fertility condition.
6. Which province in Canada has the cheapest IVF?
Quebec offers the most affordable option due to its publicly funded IVF program that covers both treatment and medications.
7. Can I claim IVF expenses on tax in Canada?
Yes, IVF and fertility-related medical expenses are tax-deductible under the Medical Expense Tax Credit.
Final Thoughts
The cost of IVF in Canada varies widely — from CAD $10,000 to $25,000 per cycle depending on where you live and the type of treatment you need. While Ontario and Quebec offer partial or full funding, other provinces require out-of-pocket payments.
If you’re planning to start IVF in 2025, make sure to:
Understand what’s included in your clinic’s package
Check your provincial funding eligibility
Explore financing or tax-credit options
Remember, the goal isn’t just affordability — it’s finding a reputable fertility clinic with strong success rates and transparent cost policies.
