Guide to Government Funding for Fertility in Canada

We understand that embarking on the journey to parenthood in Canada can be both exciting and overwhelming. Each province has its own approach to supporting hopeful parents-to-be, and understanding these differences is essential as you plan your path forward.

Unfortunately, there is no national framework for fertility treatment funding in Canada. Instead, each province offers unique policies and support levels, ranging from financial assistance programs and tax credits and to direct coverage of procedures like IVF (In Vitro Fertilization) and IUI (Intrauterine Insemination). Unfortunately, residents of certain provinces and territories are left to fend for themselves when it comes to paying the substantial cost of fertility treatments.

As Canadians embark on their journey towards parenthood, understanding these provincial differences is important. This article aims to shed light on fertility treatment coverage across the Canadian provinces and territories, offering an overview to help individuals and couples understand what public support they may have as they begin this process.

These provinces are ranked based on (our opinion) best coverage to worst coverage. For a more comprehensive overview of how each province deals with fertility treatment, navigate to the province’s page.

*Important Update: As of July 2, 2025, BC will begin offering support for individuals and couples looking to start a family by offering up to one funded IVF cycle! This is great news for a province that had no publicly available support.

We are hopeful that Canada and its provinces will continue to re-evaluate their policies. We will keep this page updated with the latest information!

Province	Description	IVF Included?	Value of Benefit (Approximate)
Quebec	One full IVF cycle. including the cost of medication and a year of embryo freezing.	Yes	$15,000 to $25,000 depending on the clinic.
Ontario	One full IVF cycle. Medications not covered	Yes	$8,000 to $15,000 depending on the clinic.
Manitoba	40% refundable tax credit on fertility expenses up to $40,000 annually (doubled in 2024).	Yes	Up to $16,000 annually
New Brunswick	100% of one IVF cycle (up to $20,000) or IUI cycle (up to $10,000), one-time per household (FTRP, April 2025).	Yes	Up to $20,000 (IVF) / $10,000 (IUI)
Newfoundland and Labrador	One-time lifetime subsidy of up to $20,000 (restructured March 2025).	Yes	Up to $20,000 lifetime
Nova Scotia	Refundable tax credit equal to 40% of cost of fertility up to $20,000 annually.	Yes	Up to $8,000 annually
Prince Edward Island	Annual reimbursement tied to family income. It can be received up to 3 times.	Yes	$5,000 to $10,000 per year, max of 3 times (up to $15,000 to $30,000)
British Columbia	Publicly funded IVF cycle, up to $19,000 (income-based, launched July 2, 2025).	Yes	Up to $19,000
Alberta	No public coverage.	N/A	$0
Saskatchewan	50% refundable tax credit on fertility expenses (2025 tax year+).	Yes	Up to $10,000 lifetime
Yukon	40% refundable tax credit on fertility and surrogacy expenses.	Yes	Up to $10,000/year
Territories (NU, NWT)	No public coverage.	N/A	$0

1. Quebec: Quebec offers one of the best fertility benefits, which includes one fully-funded IVF cycle for women under age 41 at the time of stimulation (transfer must occur before age 42), including the cost of IVF medications as well as the freezing and storage of extra embryos for one year.
2. Ontario: Ontario’s coverage includes one IVF cycle (up to age 42), with unlimited IUI cycles offered to anyone at any age. The program also covers cycles for egg donors and gestational surrogates. Ontario does not cover the medication and annual storage of embryos. As of January 1, 2025, Ontario also offers the Ontario Fertility Treatment Tax Credit (OFTTC) — a 25% refundable personal income tax credit on eligible fertility, preservation, and surrogacy expenses, up to $5,000 per year (on up to $20,000 in eligible expenses).
3. Manitoba: Manitoba offers a 40% refundable tax credit on eligible fertility treatments (IUI, IVF, and more). As of the 2024 tax year, the annual expense limit was doubled to $40,000, for a maximum annual credit of $16,000. Eligible costs include a wide range of fertility treatments incurred in the province of Manitoba by an approved clinic. Source: gov.mb.ca.
4. New Brunswick: New Brunswick replaced its former Special Assistance Fund with the Fertility Treatment Reimbursement Program (FTRP), launched April 2025. The FTRP provides a one-time per-household reimbursement of 100% of one IVF cycle (up to $20,000) or one IUI cycle (up to $10,000), including medications, at a licensed NB or Nova Scotia clinic. Source: gnb.ca.
5. Newfoundland and Labrador: As of March 2025, Newfoundland and Labrador restructured its IVF subsidy to a one-time lifetime payment of up to $20,000 (increased from the previous $5,000/cycle × 3 structure). The subsidy covers IVF treatments, prescribed medications, and eligible travel expenses. Source: gov.nl.ca.
6. Nova Scotia: Nova Scotia provides a refundable tax credit equal to 40% of the cost of fertility treatment like IUI or IVF, up to $20,000 annually, for a maximum annual tax credit of $8,000 (similar to Manitoba). Eligibility is based on the CRA’s definition of medical expenses.
7. Prince Edward Island: Offers reimbursement between $5,000 and $10,000 annually for IVF and/or IUI, including medication. The amount is tied to a family’s income. Residents can travel off of PEI for treatment and then submit a claim, up to 3 times, for total coverage of $15,000 to $30,000.
8. British Columbia: BC launched a publicly funded IVF program on July 2, 2025. Eligible residents receive up to $19,000 toward one IVF cycle (including medications), with funding tiered by household income — full $19,000 for incomes under $100K, phasing to zero at $250K+. Participating clinics: Olive Fertility, Pacific Centre for Reproductive Medicine, Grace Fertility. Source: gov.bc.ca.
9. Alberta: Alberta does not offer any public coverage for IUI or IVF procedures.
10. Saskatchewan: Beginning with the 2025 tax year, Saskatchewan offers a 50% refundable Fertility Treatment Tax Credit on eligible expenses incurred in Saskatchewan, up to a maximum credit of $10,000 (based on $20,000 of eligible expenses). This is a one-lifetime claim per tax filer. Source: saskatchewan.ca.
11. Northwest Territories: Northwest Territories does not offer any public coverage for IUI or IVF procedures.
12. Yukon: Yukon does not offer any public coverage for IUI or IVF procedures. The Yukon Fertility and Surrogacy Expense Tax Credit is now law — a 40% refundable tax credit on eligible fertility and surrogacy expenses, up to $10,000 per year with unlimited lifetime availability. Expenses incurred after January 2, 2024 are eligible; the credit can be claimed starting in 2026 on your 2025 tax return. A medical travel subsidy for fertility treatments is also available. Source: yukon.ca.
13. Nunavut: Nunavut does not offer any public coverage for IUI or IVF procedures.

Sources

• Get fertility treatments — Ontario.ca
• Ontario Fertility Treatment Tax Credit — Ontario.ca
• RAMQ Assisted Procreation — ramq.gouv.qc.ca
• Manitoba Fertility Treatment Tax Credit FAQ — gov.mb.ca
• NB Fertility Treatment Reimbursement Program — gnb.ca
• NL Expanding Access to Fertility Services (2025) — gov.nl.ca
• PEI Fertility Treatment Program — princeedwardisland.ca
• Nova Scotia Fertility and Surrogacy Tax Credit — novascotia.ca
• BC Publicly Funded IVF Program — gov.bc.ca
• Saskatchewan Fertility Treatment Tax Credit — saskatchewan.ca
• Yukon Fertility Tax Credit — yukon.ca
• Financial support for fertility — Canada.ca

As you can see, Canada’s fertility treatment coverage landscape is as diverse as the country itself. As the conversation around fertility treatments continues to evolve, it remains essential for individuals and couples to stay updated on the latest policies and support mechanisms available in their province. Advocacy is important, as Canadians need to pressure the federal government to create a national framework so that Canadians are covered to the same degree, no matter where they live. We’re here to support you on this journey and will keep you updated with the latest information. If you have any questions or need further assistance, please feel free to reach out!