Government Funding for Fertility in Ontario

Reviewed September 3, 2026. Ontario has two distinct fertility supports: treatment delivered through the Ontario Fertility Program (OFP) and the refundable Ontario Fertility Treatment Tax Credit (OFTTC). The OFP is not the same as ordinary OHIP fee coverage, and the tax credit does not reserve or pay for a funded cycle.

What the Ontario Fertility Program covers

Service	Published limit	Additional rule
IVF	One treatment cycle per patient	The patient must be under 43. The cycle includes one-at-a-time transfer of all viable embryos from that retrieval. A person acting as a surrogate may receive one additional cycle.
Artificial insemination and IUI	No stated cycle limit	No additional age requirement is listed beyond Ontario residency and a valid health card.
Fertility preservation	One cycle per patient	Available before treatment for a medical condition that may cause infertility; elective egg freezing is not included.

What the OFP does not cover

The province lists fertility drugs, genetic testing, and storage of sperm, eggs, or embryos as costs outside the treatment program. Ontario's page estimates medication at about $5,000 for an IVF cycle and about $1,000 for an AI or IUI cycle, but the actual amount depends on the prescription and pharmacy.

Participating clinics manage their own intake, funded allocation, and waitlist. Eligibility for the program does not establish an immediate treatment date, so patients should ask a clinic separately about consultation and funded-cycle timing.

Ontario Fertility Treatment Tax Credit

For qualifying expenses paid on or after January 1, 2025, the OFTTC refunds 25% of up to $20,000 in eligible annual expenses, for a maximum credit of $5,000 per year. Goods and services must be provided entirely in Canada, qualify for the Ontario Medical Expense Tax Credit, and remain unreimbursed. Only one spouse or common-law partner may claim the household's credit for the year.

Examples on Ontario's page include fertility treatment, prescribed medication, clinic fees, IUI, certain fertility-preservation and storage costs, diagnostic testing, and qualifying in-Canada travel. The expense must also be claimed for the Ontario Medical Expense Tax Credit on the same return.

2026 program expansion

Ontario announced $100 million for 2026/27 to support 27 clinics, including two new IVF clinics. The province reports that the broader OFP now funds 56 Ontario clinics providing IVF, IUI, or fertility-preservation services and estimates 10,000 additional IVF cycles in 2026/27. Those system-level figures should not be read as a clinic-specific wait-time guarantee.

How to use the programs

1. Confirm that you live in Ontario and have a valid Ontario health card.
2. Ask a participating clinic which OFP services it delivers and how its funded waitlist works.
3. Request a written list of services, medication, testing, and storage that remain patient-paid.
4. Keep receipts and insurance explanations of benefits for any amount you may claim under the OFTTC.

Related resources

Use the fertility cost calculator to organize clinic fees and patient-paid costs. The grants guide and tax-credit guide cover other forms of support, while our Canada-wide funding guide compares provincial approaches.

Primary sources

• Ontario: Get fertility treatments — updated June 8, 2026
• Ontario Fertility Treatment Tax Credit — updated June 26, 2026
• Ontario Connecting More Families to Fertility Supports — April 28, 2026