How Much Does IVF Cost in Canada? What Each Province Pays

One cycle of IVF costs about $13,000 to $25,000 in Canada if you pay for it yourself. Clinics charge about $8,500 to $13,500 for the cycle, the fertility drugs add $3,000 to $10,000, and extras like ICSI, embryo freezing or a separate transfer fee make up the rest. Testing your embryos or transferring a frozen one later comes on top of that.

What you actually pay depends on where you live. Ontario and Quebec pay for one cycle, BC pays up to $19,000 depending on your income, and Newfoundland and Labrador pays up to $29,000. Alberta has no fertility funding at all.

How much does IVF cost in Canada?

A clinic’s fee for one IVF cycle runs from about $8,500 to $13,500 on the price lists Canadian clinics publish. The fee covers the monitoring, the egg retrieval and the lab work, and some clinics include the first embryo transfer. ICSI, where a single sperm is injected into each egg, adds about $2,000 when your doctor recommends it.

These are the self-pay prices on each clinic’s own list in November 2026. CHU Sainte-Justine and Atlantic Fertility still post their 2025 lists.

The fees don’t all cover the same things. TRIO’s fee includes ICSI and freezing your embryos but not the transfer itself, which is $1,350 more, while Olive’s and Procrea’s include a fresh transfer. Alberta’s clinics don’t post their IVF prices, so you’d have to ask for a quote. Newfoundland and Labrador has no IVF clinic yet, so people there are treated in another province.

What isn’t included in the clinic’s price?

The drugs are the biggest extra. Clinics estimate $3,000 to $10,000 for one cycle’s medication, depending on your dose and protocol, and Ontario puts the typical cost at about $5,000. Then come freezing and storing your embryos, any frozen transfers, and genetic testing if you choose it.

Mount Sinai Fertility (opens in a new tab) expects $3,000 to $6,000 for the drugs, and TRIO (opens in a new tab) $5,000 to $10,000 or more. Genetic testing is priced by the embryo, so the bill grows with the number you test. Procrea charges $2,910 for the first embryo and $310 for each one after that.

Which provinces pay for IVF?

Six provinces pay for some or all of a cycle. Ontario and Quebec cover one cycle at a funded clinic, and BC, New Brunswick, Prince Edward Island and Newfoundland and Labrador pay up to a set amount, between $19,000 and $29,000. Manitoba, Saskatchewan, Nova Scotia and Yukon give a refundable tax credit instead.

Most of this money covers one cycle. If the first one doesn’t work, the second is usually yours to pay, with a tax credit if your province has one.

Ontario: one cycle if you’re under 43

Ontario’s fertility program (opens in a new tab) pays for one IVF cycle per patient at a funded clinic, if you’re under 43 and have an Ontario health card. That cycle includes transferring all your viable embryos, one at a time. Clinics run their own wait lists, and the province doesn’t publish how long they are.

Ontario also has a fertility treatment tax credit (opens in a new tab) for costs paid since January 1, 2025. It pays back 25% of your costs, on up to $20,000 a year, for a maximum of $5,000. It’s refundable, so you get it even if you owe no tax.

Quebec: one cycle if you start before 41

Quebec’s program (opens in a new tab) covers one IVF cycle in your lifetime, paid through the RAMQ. That cycle can include up to two ovarian stimulations, every fresh or frozen transfer from it and a year of storage for the extra embryos. You need to start before you turn 41 and have the transfer before 42.

The drugs go through your prescription drug insurance. On the public plan, you pay at most $105.25 a month at the pharmacy for all your prescriptions combined, at the rates in effect from July 2026 to June 2027. Our guide to Quebec’s public drug plan explains the deductible and the premium.

Costs the program doesn’t cover, like a second cycle or one started after 41, qualify for Quebec’s refundable tax credit for the treatment of infertility. It pays back 80% of your costs, on up to $20,000 a year (in French) (opens in a new tab), when a couple’s family income is $64,804 or less in 2026 (opens in a new tab), and the rate drops in steps to a minimum of 20% at higher incomes.

British Columbia: up to $19,000, depending on income

BC’s publicly funded IVF program (opens in a new tab) started on July 2, 2025. A participating clinic (Grace Fertility, Olive Fertility or the Pacific Centre for Reproductive Medicine) applies for you. You need to be 41 or younger, and the combined income of the intended parents has to be $250,000 or less. That income sets the amount:

The money covers the cycle, ICSI, frozen transfers, a year of storage, and the drugs if you buy them through the clinic rather than a pharmacy. Genetic testing isn’t covered. At Olive’s prices, a cycle with ICSI, drugs and a year of storage comes to roughly $20,000 to $24,000, so $19,000 covers most of it and $4,750 about a fifth. Applications are accepted until the year’s money runs out, and the program’s 2026/27 year ends on March 31, 2027.

New Brunswick, PEI and Newfoundland and Labrador: a set amount

• New Brunswick pays 100% of one IVF cycle (opens in a new tab) up to $20,000, once per household, for patients over 18 and under 43 at a licensed clinic in New Brunswick or Nova Scotia. It covers the cycle’s drugs and two years of storage, but not genetic testing.
• Prince Edward Island pays up to $20,000 per household toward IVF or IUI (intrauterine insemination), including the drugs, whatever your income. It’s a lifetime limit. The province replaced its income-tested program in August 2026 (opens in a new tab).
• Newfoundland and Labrador raised its subsidy to $29,000 (opens in a new tab) on August 14, 2026. The province has no IVF clinic yet, so you can use the money at any clinic in Canada (opens in a new tab). You can also spread it over several cycles and use it for travel when treatment costs less than the maximum.

Manitoba, Saskatchewan, Nova Scotia and Yukon: a tax credit

These four pay back part of your costs when you file your tax return. All four credits are refundable, so you get the money even if you owe no tax.

• Manitoba: 40% of costs up to $40,000 a year (opens in a new tab), so up to $16,000 a year, for treatment at a Manitoba clinic.
• Saskatchewan: 50% of costs up to $20,000 (opens in a new tab), so up to $10,000, once in your life, for treatment in Saskatchewan.
• Nova Scotia: 40% of costs up to $20,000 a year (opens in a new tab), so up to $8,000 a year per couple. You apply to the province after you get your notice of assessment.
• Yukon: 40% of your costs (opens in a new tab), up to $10,000 a year, for expenses since January 2, 2024. Yukon also covers medical travel for fertility treatment.

Alberta, the Northwest Territories and Nunavut: no fertility funding

Alberta, the Northwest Territories and Nunavut have no fertility program, according to a February 2026 comparison tabled in the NWT legislature (opens in a new tab). People there can still claim IVF on the usual medical expense tax credits.

What does a funded cycle still cost you?

A funded cycle costs a fraction of a self-pay one, but you still pay part of it. In Ontario, the program leaves out the drugs, storing your embryos and genetic testing. In Quebec, the drugs go through your drug plan, and you pay for storage after the first year.

At TRIO Fertility in Toronto, a funded cycle and a self-pay cycle compare like this, using Ontario’s estimate for the drugs:

The last row assumes all of it counts as an eligible medical expense. Mount Sinai Fertility charges funded patients $500, which covers ICSI if needed, embryo freezing and a year of storage. In Quebec, ovo lists a $300 fee for RAMQ-covered cycles.

Can you claim IVF on your taxes?

Yes. IVF counts toward the federal medical expense tax credit, and since 2022 the credit also covers what you pay a fertility clinic or donor bank in Canada for donor sperm or eggs (opens in a new tab). You claim what you paid above 3% of your net income or $2,890 in 2026 (opens in a new tab), whichever is less, and the federal credit is 14% of that amount (opens in a new tab).

Say your net income is $80,000 and a cycle cost you $20,000. Three percent of $80,000 is $2,400, which is less than $2,890, so $17,600 counts and the federal credit is $2,464. Each province and territory also has its own medical expense credit, and the rules for combining it with a fertility credit differ, so check your province’s form or ask whoever does your taxes. Anything insurance or a provincial grant pays back can’t be claimed.

How much should you save each month?

Divide what you’ll owe by the months you have. A funded cycle in Ontario leaves about $6,000 for you to cover, and a self-pay cycle with drugs about $20,000. Add about $5,000 if you plan on genetic testing or expect a second frozen transfer.

That’s straight division, without any interest. Keep the money in a high-interest savings account or a TFSA savings account at your own bank, where you can reach it the week the clinic sends its bill. Money you’ll need within a year or two usually isn’t money to put in stocks.

Building the treatment fund, with a weekly draw on top

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