How Much Does IVF Cost in Canada?

**This post may contain affiliate links. I may be compensated if you use them.

I really wish I could say that getting pregnant was simple, but the reality is, my wife and I spent three years trying and required In Vitro Fertilization (IVF). Infertility is something many couples don’t talk about, but it affects roughly 1 in 6 couples in Canada. Going in, we knew it would be an expensive venture, but we still wondered how much does IVF cost? After experiencing it first hand, I’m going to share with you what you should expect if you decide to go this route. Note that this is what I paid in Ontario, Canada. Prices vary by province and country.

Estimated costNotes
Initial tests & consultations$600
IUI drugs$3,000$1,000 per procedure X 3
IUI procedures$1,500$500 per procedure X 3
Consultation fee$250
IVF drugs$3,300Based on 3 embryo transfers
Egg retrieval$9,000Includes sperm washing & insemination
Freezing of eggs$1,750Not everyone has to pay this
Admin fees$500$250 each - retrieval & transfer
IVF transfers$4,500$1,500 per procedure X 3
Total estimated cost$25,000Budget $20,000 - $25,000

I’m going to be clear, the above estimates are not EXACTLY what my wife and I paid. I had to use some averages just so you can kind of get a rough estimate of what you should budget and/or expect to pay. You may end up spending less or you may end up spending more. But a good number to budget is $20,000 – $25,000 (mind you I’m quite conservative so this might be a bit high).

I’m not 100% sure of this, but I also believe that not every fertility clinic charges the same amount. Prices should be similar, but they can definitely vary.

I should also note that the cost of drugs will vary. Sure a lot of them you will need to use, but dosages and the types of drugs you require will depend on the individual person. Not all employer drug plans will cover the cost of infertility drugs. If you’re lucky like we were, you’ll get some of your drugs covered, but don’t bank on it.

The medical procedures can be written off as medical expenses, but not all your drugs. I recommend keeping all your receipts and keeping a detailed log so you can give it to your accountant come tax time.

What to expect when getting help

The general rule when you need to seek help with getting pregnant is to wait 12 months after trying (if you’re under the age of 35) and 6 months if you’re over the age of 35. However, speak to your family doctor as they may suggest you to come back before 12 months since it takes a couple months to get that specialist appointment. You will need a referral to a fertility specialist from your family doctor; you can’t simply just show up and expect a consultation.

During your first consultation (which is covered by OHIP), your doctor will ask you a ton of questions to try and figure out if there are any obvious issues to address first. A misconception about infertility is that it’s all female factor, however, there can be male factor issues at play, a combination of both or in some cases the infertility is unexplained.

To try and determine the reason you will be required to do a few tests e.g. blood work, ultrasounds, semen analysis, and other procedures to check the uterus and ovaries which aren’t all covered by OHIP. Before you do the tests, make sure you’re comfortable with your doctor otherwise ask your family doctor for another referral.

At this time, your doctor may recommend certain vitamins for both partners. Again, these aren’t expensive, but they will certainly add up over time.

Depending on the results of the test, you may require additional procedures (which you’ll need to pay for). Those additional procedures may require you to take even more drugs (which obviously aren’t free). For perspective, at this time, my wife and I were already out a few hundred dollars.

Getting started with your treatments

With all the results in, your doctor will be able to recommend you the next course of action. If everything appears normal, it’s a pretty simple process. But, if the tests showed something else that may affect your ability to get pregnant; that may require attention first.

Assuming everything is “fine,” your doctor will most likely recommend you try Intrauterine insemination (IUI) first which is less invasive compared to IVF. I won’t go into the details of IUI (you can Google that), but I can confirm that it’s significantly cheaper than IVF. Of course, you also need to add in the cost of drugs which are more expensive than the actual procedure.

The chances of being successful with IUI are lower than IVF, but since it’s less invasive and cheaper; it’s highly recommended if you’re a candidate. You get charged for every IUI procedure (about $500) in addition to drugs if required. You can technically do it as many times as you want, but doctors usually recommend trying three times before moving onto IVF.

Before your IUI treatments, your clinic will recommend you attend one of their IUI orientations. This session will go over what to expect, but almost always the first question is how much does it cost? I’ve already told you what to expect above, but during our session, we had couples break down in tears once they heard how much money they would need to spend.

You may need a support group

At this time, I want to remind anyone who’s struggling with conceiving that you’re not alone. It’s a very normal thing and it affects more people than you realize. You will run into a ton of idiots (sometimes family) who don’t understand (or don’t know) what you’re dealing with. It’s best to find a support group if you need that extra support and a safe place where you won’t feel judged. There are many out there that are free to attend if you do your research, and if you prefer individual counselling, sometimes benefits will cover it so look into it. We had great support with

As a male, it was pretty easy for me to dodge questions about having kids, but at the same time, I did get annoyed whenever someone would just assume you’re going to or not going to have kids. I would write a post about RESPs or about the cost of having children and people would just assume I’m having a kid (and start asking about it). My wife had to deal with much more crap than I did.

It’s also okay to hate on everyone (within reason). I couldn’t help but want to hate people who appeared to have the perfect lives. Oh, you got pregnant by accident or on your first try? That’s Great! Excuse me while I cry in a corner. We never had to attend any baby showers during this time, but it’s something we had planned on avoiding if it came up.

The cost of IVF and what to expect

If you do plan and need to move onto IVF later on you will need to meet with your specialist again and in our case, we were provided with an online orientation to understand the steps and costs involved. You may also need to do some more repeat tests as a good length of time has likely elapsed since you did your initial tests, it could be as far out as a year ago.

There are also unexpected complications that can arise along the way when undergoing any infertility treatment which incurs more costs. For instance, unexpected cycle cancellations result in lost money on wasted drugs and when you’re ready to resume again you’ll be purchasing those same drugs all over again. There is also time off to consider for procedures and upon a successful IVF completion, some doctors recommend taking 5 days off which for some people, taking time off work will cost them money.

Now that we were in full IVF mode, this is where things started to get expensive. To prepare for the retrieval process, my wife had to buy more drugs that were not cheap. At this stage, she was on quite a few pills and daily injections which is normal for anyone going through IVF. The actual retrieval process cost us $9,100 which included admin fees, sperm washing and the procedure. We were hit with an additional cost for frozen embryo storage due to an unexpected IVF complication. Separate to the retrieval you will then need to pay for the transfer which is when they put the embryo(s) back in you, which cost us $1,750.

How many embryos taken from your eggs and sperm, and actually make it to the stage where they can be put back varies per cycle, but for the argument of this article, I’m going to assume three embryos in one IVF cycle (for reference, we had less than that). Every time you do the IVF procedure, you’re paying for it. If you run out of embryos, you’re going to need to pay that massive fee again and start all over. Hopefully, you’re successful with the first batch of embryo(s) since your cost at this time will be around $12,000 – $18,000. Remember there is also the risk that none of your eggs and sperm will make viable embryos.

There are also a lot of add-on options like embryo genetic testing and other procedures before your IVF transfer in an effort to help your chances, however as far as I know these aren’t all scientifically proven so we opted out.

Assuming, you’re successful, you will still need to factor in a few extra costs. Since it was an IVF baby, your doctor will most likely recommend you keep taking a few drugs. It’s also recommended you do a few extra tests such as the Harmony test (at a cost of $500) just to make sure your baby is healthy. There are also other options that OHIP will cover if you’re 35 and over and don’t want to pay out of pocket.

The Province of Ontario pays for fertility treatments

Ontario residents with a valid OHIP card are eligible for Ontario’s Fertility Program. To qualify for the one-time cycle per lifetime for IVF, women must be under the age of 43. You also must be recommended by your healthcare provider to ensure IVF is appropriate for you. If you live in a different province, you’ll need to check what fertility benefits are available to you.

The program covers the following (taken right from the Health Ontario website)

  • Artificial insemination (AI), including intra-uterine insemination (IUI)
  • One in vitro fertilization (IVF) cycle per eligible patient per lifetime, including:
  • The one-at-a-time transfer of all viable embryos to allow for the possibility of multiple chances for pregnancy
  • One additional funded IVF cycle, if acting as a surrogate. This can occur either before or after receiving a funded IVF cycle for the purpose of building your own family
  • One fertility preservation (FP) cycle, including sperm and egg freezing for medical reasons, per eligible patient per lifetime.

Obviously, most people are interested in taking advantage of IVF since it cost the most but note that this government program does not include the cost of drugs. As you’ve seen from my above estimates, you still be on the hook for about $5,000.

Some people ask, why not just go for the free stuff? If you elect to go for the sponsored method, you’re put into a queue where the wait is about 12 months (at least it was when we were trying in early 2016).

If you can afford the treatments, you’re better off paying for it so you don’t have to wait. Alternatively, you can take part in the program if you’re starting to run out of funds.

Is IVF worth it?

At the start, people want to know how much does IVF cost? But assuming they’re successful, they say that the process is priceless. I can see why people say this, but in reality, there is a hard cost you need to consider.

Some people are willing to spend any amount to get pregnant, and I certainly understand that. But, I’ve also heard of people who have mortgaged their homes, borrowed from their parents, or gone into debt for it. Only you can decide how much you want to spend, but speaking strictly from a financial perspective, going into debt to have a child could cripple you.

What many people don’t factor in is the emotional and physical toll infertility has on couples. Going through this process is very emotional and can put a real strain on relationships or do the opposite and make it stronger. Women will also have to pump their bodies full of drugs which can wreck them physically, emotionally and take away from their social lives since the administration of the drugs requires a strict daily schedule to adhere to.

My wife and I personally had set a cut off date for our fertility treatments. We were fortunate enough to be able to afford treatments, but we had to set a “date” so we could get on with our lives. We knew that if IVF didn’t work, there were other ways for us to become parents, so we had to prepare for that.

Final thoughts

Going through infertility and IVF is a very stressful time and there are going to be a lot of insensitive people you come across. As a male, things were relatively easy for me to deal with, but I can imagine what my wife and many women have to go through.

As for how much does IVF cost? We personally spent about $14,000 since we only had to do one IVF procedure and some of our drugs covered. However, going into it, you should budget $20,000 – $25,000. Costs can go up or down depending on the circumstances and what options you decide to do. Don’t give up hope and best of luck to you.

About Barry Choi

Barry Choi is a Toronto-based personal finance and travel expert who frequently makes media appearances. His blog Money We Have is one of Canada’s most trusted sources when it comes to money and travel. You can find him on Twitter:@barrychoi


  1. Brian G on April 17, 2017 at 10:29 AM

    Congratulations Barry and wife! Thanks for writing about this. It is so important that people know that there is support out there for those going through this and the options that are available.

    • Barry Choi on April 17, 2017 at 10:50 AM

      Hey Brian,

      Thanks! yes, without support, this process can be extremely stressful.

      • DM on December 16, 2017 at 4:12 PM

        Congrats Barry & thanks for the info. Did you take advantage of the Ontario gov’t IVF 1x help with the cost? and YOUR total was $14,000? Just trying to get a better handle on this prices.

        • Barry Choi on December 16, 2017 at 4:31 PM

          Hi DM,

          We personally did not as we were advised that there would be a 1 year waiting period and it was in our best interest to not wait. That being said, a friend elected to do the free cycle and were successful.

          Yes, we personally spent $14,000, but we were fortunate that we had a decent amount of our drugs covered. The prices I listed are meant to be a rough guide since there are so many various factors involved.

          • Raissa on April 2, 2018 at 2:22 PM

            I would love to know how your drugs were covered and what health plan you had ? Would any of those medication be “generics” since some plans like manulife combo plus cover generic but not “fertility treatments”? any insights?

          • Barry Choi on April 2, 2018 at 3:29 PM

            Hi Raissa,

            At the time, my company benefits covered some of the drugs that were prescribed to my wife during the first IVF cycle. I say at the time because those drugs were taken out of my employee benefits plan. To be more specific, drugs related to fertility treatments.

  2. Sal D'Souza on April 17, 2017 at 12:04 PM

    Wow, thanks for sharing that! You’re openness and honesty is so appreciated!

  3. KC on April 17, 2017 at 2:25 PM


    Thank you so much for writing this up. I honestly did not know how much it would cost and am stunned. I think I will try to have a baby earlier than expected to hopefully reduce the need for having to go that route. Thank you for sharing.

    • Barry Choi on April 17, 2017 at 3:10 PM


      Thanks. It’s obviously impossible to know how long it’ll take to have a child, fortunately we were in a position to afford IVF.

  4. NZ Muse on April 17, 2017 at 4:18 PM

    Congrats!!!! And thank you for writing about this. We are at the stage of figuring out exactly how we are going to afford maternity leave (as I make 2/3 of our fairly modest income) – if we had struggles conceiving, then that would be a whole other kettle of financial fish.

    • Barry Choi on April 17, 2017 at 4:21 PM

      NZ Muse,

      Thanks! We’re fortunate that we had the funds for this stuff, but it obviously still played a factor with other financial decisions.

  5. Tawcan on April 17, 2017 at 6:11 PM

    Congrats Barry! That’s amazing news. You’ll really enjoy being a dad and of course, sleep less. :p

  6. Alyssa Fischer on April 18, 2017 at 10:23 AM

    Congratulations Barry! Very well written.

  7. Jenna West on April 18, 2017 at 2:52 PM

    Hi Barry! Thanks for writing such an informative article and putting so much effort into your site! Is there a subscription option so I’ll receive alerts when you’ve published new articles?

    • Barry Choi on April 18, 2017 at 3:10 PM

      Hi Jenna,

      Thanks for the feedback. You can signup for my mailing list on the top right of this page. I send out emails at the start of every month.

  8. My Own Advisor on April 18, 2017 at 8:08 PM

    Wow, great news! A huge congrats to you and your wife 🙂

    Best wishes,

  9. Susan on April 18, 2017 at 9:09 PM

    Congrats. A couple of comments. This is just one of the many reasons why people should stay or get out of debt. Life doesn’t always go the way you plan and debt limits your flexibility. As for a non financial comment, I never understood why people think other people’s procreation is their business.

    • Barry Choi on April 19, 2017 at 12:51 AM

      Hi Susan,

      Thanks for the comments. We were very lucky that we had no debt going into this process but we know people who have put themselves into debt because of it. You can’t put a price on having a child, but in this case you can.

  10. Jaymee @ Smart Woman on April 18, 2017 at 10:29 PM

    Congratulations to you and your wife Barry! This is so exciting 😀

    And thank you for sharing what it costs to go the IVF route. I work in Labour and Delivery and have only heard from patients that it’s an expensive procedure, I just didn’t know how expensive! (It’s about as much as my student loans wow!)

    This makes me more happy that couples are now allowed to claim these medical taxes during tax time.

    • Barry Choi on April 19, 2017 at 12:52 AM


      Prices can go up and down. I know of at least two couples who spend two times what I estimated while others spent half of what I did. When you’re spending that much, every tax break helps.

  11. Arienne on April 19, 2017 at 1:20 PM

    Congratulations Barry!! It’s all going to be worth it. Thank you for sharing your story and your experience. Very well laid out and detailed for those going through the same thing. It’s not too far now for this next chapter of your life to begin!

  12. Cheryl on April 23, 2017 at 9:30 AM

    Barry this is wonderful news! Blessings on your close-to-here wee one, your wife and you. Wishing you a healthy delivery and so much joy as you get to know your baby. Fasten your seat belt dad .

    • Barry Choi on April 23, 2017 at 11:13 PM

      Thanks Cheryl,

      My wife and I are very excited and of course, very thankful.

  13. yettie on April 23, 2017 at 10:29 AM

    Congratulations to you & your wife, wishing you all the best on your parenting journey.

    I applaud your thought process in entering fertility treatment, especially putting a time limit on it before exploring other options. I spent 5 years and a lot more $$$ (lived in the US so everything was out of pocket) on fertility treatments and it’s so easy to have the process take over your life. Setting limits makes a big difference

    • Barry Choi on April 23, 2017 at 11:14 PM


      Yes, fortunately, we had some coverage. I can’t believe how much health care in the U.S. costs.

  14. […] How Much Does IVF Cost? […]

  15. Marichery on May 31, 2018 at 11:03 PM

    Hi thanks for the information and you guys finally have the baby for all this treatment? I hope Yes god bless you guys

    • Barry Choi on May 31, 2018 at 11:58 PM

      Hi Marichery,

      We were indeed blessed with a baby girl after all of this.

  16. Crutie on July 3, 2018 at 3:39 PM

    thanks a lot Barry, this is wonderful information. specially how honestly you wrote how much you actually spent and how much it could be per case. it will help us to decide to go and or not.

    • Barry Choi on July 3, 2018 at 3:40 PM

      Hi Crutie,

      I wish you and your partner luck. It can be a tough journey, that I know for sure.

  17. Crutie on July 3, 2018 at 3:42 PM

    is there any way to limit the number of children in IVF. it is hard to have triplets or even twins, it will affect their health too. is that true?

    • Barry Choi on July 3, 2018 at 3:47 PM


      Technically speaking when doing IVF, there is a higher chance of twins, but it’s not some astronomical number. The percentage does go up when couples elect to put two fertilized eggs back into the host. The reason some people do this is because they’re only paying the transfer fee once. This usually only happens if you’re down to your last two eggs. You should talk to your doctor if you’re thinking about going this route.

      As for health issues, IVF babies do have increased odds at some health issues, but some things can be monitored and tested for while the the embryo is growing. Those tests cost extra.

  18. Pacifique on September 26, 2018 at 5:40 PM

    Hey Barry? This is too good to believe that you took your time and go deeply to explain all steps and costs as well. I would like to thank you for the clarification and congratulate your couple to make it possible. Let me hope that prices are getting down compared to last year’s.

    • Barry Choi on September 27, 2018 at 8:06 AM

      Hi Pacifique,

      Thanks for the kind words and good luck on your journey.

  19. Vee on June 15, 2021 at 9:16 PM

    It’s lovely to see how candid you are about your experience. Would you mind sharing which clinic/doctor you and your wife visited?

  20. Kim on July 14, 2021 at 2:58 PM

    Congratulations to you and your wife Barry & thank you for this information. My husband & I are currently going through fertility treatment & just completed our 3rd round of IUI. We’re waiting on the results for this round but have started talking about IVF just in case.

    The information you provided was detailed and very helpful. My question for you though is does the above cost breakout include the portion of IVF that is OHIP funded or was the cost after funding?

    • Barry Choi on July 14, 2021 at 3:02 PM

      Hey Kim,

      Thanks for the well wishes. My daughter just turned 4 so we feel blessed every day.

      My estimates do NOT include any funding from OHIP as we didn’t take that route when we did IVF. From what I recall, OHIP covers one round of IVF so it can save you a fair amount.

      Best of luck to you and your husband. Reach out any time if you need someone to talk to for support.

      • Kim on July 14, 2021 at 3:15 PM

        Thank you Barry for the response & for the support! It’s always reassuring to know that we’re not the only ones going through this process especially during those moments when it just feels impossible.

        Thank You!

Leave a Comment

Get a FREE copy of Travel Hacking for Lazy People

Subscribe now to get your FREE eBook and learn how to travel in luxury for less