Artificial Insemination Cost in Canada

Artificial Insemination Cost in Canada

Fertility problems are common in Canada, with about one in six couples having difficulty conceiving a child. Despite this prevalence, the decision to undergo fertility treatments is both personal and expensive.

Options for medical fertility assistance include In Vitro Fertilization (IVF) and intrauterine insemination (IUI). Artificial insemination costs in Canada depend on several factors, including required medication, fertility clinics, medication, and medical needs. It’s also possible that couples may need more than one treatment, which carries an additional expense.

In many cases, fertility treatments can cost several hundred dollars to over $12,000 per treatment cycle. It helps to know what IUI and IVF entail to better understand what expenses you may need to pay.

You will also need to conduct thorough research to learn about ways to pay for your treatments, whether you receive partial coverage through third-party insurance or provincial health plans. Because the cost of artificial insemination in Canada is so high, it’s often necessary to seek additional means to cover the expenses.

Table of Contents

Seeking Fertility Assistance

For many Canadians, the first step in planned conception is a deep look into lifestyle choices. For instance, you might change your diet to include more nutritional foods or monitor ovulation cycles. While those changes do come with some costs, when you seek medical assistance, the expenses really begin to add up.

Seeking services from a fertility clinic usually involves several appointments and testing to determine the cause of possible infertility. Depending on you and your partner’s health and medical situation, one or both of you may need to take a cocktail of fertility drugs to make you more susceptible to fertilization. You may also require surgery to repair problems within the reproductive system and hormone therapy to even out unbalanced hormones.

Insemination Procedures

Fertility medications like oral clomiphene citrate tablets and a mix of prenatal vitamins, iron, Omega fatty acids, and vitamins B12, C, and D may make it possible to conceive naturally. However, if additional help is needed, IUI or IVF may be the next step in the treatment process.

Intrauterine Insemination

In Vitro Fertilization

Fertility Treatments and Insemination Costs

No fertility treatment is one-size-fits-all. As such, couples will incur various expenses at different levels. Treatments can be cheaper or more expensive depending on the couple’s health, medical needs, fertility clinic choice, required treatments, and choice of fertility procedure.

Below is a rough breakdown of what Canadian couples can expect to spend when seeking fertility treatments.

Cost for Fertility Drugs

Cost of IUI

Cost of IVF

Cost of Donor Eggs, Donor Sperm, and Embryos

Additional Costs


How to Pay for IVF and IUI Cost

About 60% of Canadians have a private health insurance plan to cover medical treatments and prescriptions not part of their provincial insurance coverage. Unfortunately, most insurance companies don’t cover fertility treatments in whole or in part, leaving the insured to cover the bulk of their expenses.

Provincial health plans are generally beneficial, but currently, only four territories have government funding for fertility treatments, including Ontario, Manitoba, New Brunswick, and Quebec.

The expenses surrounding fertility treatments like IUI and IVF will quickly add up, so finding ways to help with payments is essential for most Canadian couples attempting to conceive.

Before seeking treatment, it’s best to compare private insurance providers to determine if they offer coverage and in what capacity. No insurance agency covers all fertility expenses, but partial coverage is still helpful.

If you are currently undergoing treatment, you can submit your medical expenses from IUI or IVF through the Medical Expense Tax Credit (METC). With this method, it’s possible to claim all out-of-pocket medical fees related to the procedure.

METC is a non-refundable tax credit that reduces the amount of taxes owed. Though it won’t cover the cost of fertility treatments or drugs, it can reduce overall yearly expenses, which can possibly free up additional money for out-of-pocket payments.

It’s also possible to pay for treatment using private grants like the Generations of Hope Fertility Assistance Fund. This grant can help cover some drug fees and up to $6,000 of total treatment costs.

Another common payment choice is with a Health Care Spending Account (HCSA) as part of a group benefits package from an employer. Independent contractors, the self-employed, or business owners can also open an HCSA for personal use.

An HCSA offers reimbursement for procedures, services, prescription drugs, and medical supplies that are not part of the private insurance or provincial coverage. It can be part of a flexible benefits plan or a traditional benefits plan as a standalone insurance product and doesn’t require insured persons to pay deductibles, claims processing fees, or premiums to use their flexible benefits. HCSAs also come with tax benefits.

Choose Extended Healthcare Benefits to Reduce Fertility Treatment Costs

Receiving IUI or IVF is a personal choice for couples wishing to conceive, but cost concerns deter many from seeking help. Though government health plans don’t provide coverage throughout Canada, with the exception of four provinces, it’s still possible to find assistance with paying for treatment.

If you need assistance finding the right plan for your business’s group benefits plan, turn to Group Enroll. Our knowledgeable representatives can help you select affordable insurance products from the nation’s leading insurance companies.

We can provide you with a comprehensive breakdown of what you can expect to receive from various insurance plans and products, including those that provide some coverage for fertility treatments. Fill out our quick quote form today to learn more about your options. You can also email us at with any questions.