Fertility Resources

Fertility Resources from someone who’s been thereBanner-Infertility-1

As a result of the recent post by CGIB Member Melanie Elliott of PeopleCorp, we are adding some links that may be of assistance to those hoping to conceive. 

If you have any you think we should add, just drop a note to dave@mainstayinsurance.ca or melanieelliott07@gmail.com

Infertility and Benefits: Making a Baby Isn’t As Easy As You Think

Really Odd Medical Expenses You Don’t Want to Miss


Ontario – Get fertility treatments

Sprout  is a family-building and fertility benefits virtual care platform that aims to help couples and individuals achieve their dream of building a family.   We help members navigate through their journey with personalized education and expert advisors to make informed decisions.

List of clinics that participate in the Ontario government funded option. Not all fertility clinics do and some are completely private.

Progyny Fertility "Give your employees the support they deserve with the only comprehensive fertility and family building benefit proven to consistently deliver superior outcomes that change lives and cost savings that protect budgets."

National website in Canada that lists funding by province (there are only 4 that offer fertility coverage). They also have a “navigating your insurer” link where they list questions to ask your insurer.

What to expect – Fertility Treatments  This is the forum I participated on and it helped a lot hearing from other people.  I learned more through this forum then I did at my doctor appointments.

How is fertility benefits coverage evolving? Benefits Canada Article – May 15, 2020

Lilia is a place for people with ovaries to get guidance and customized answers about egg freezing, easily & all in one place.

Onfertility (Now known as KIN) - Bringing transparency to wait times for OHIP-funded IVF rounds in Ontario

Ontario provides funding to participating fertility clinics to cover treatment costs, including one free cycle of IVF per patient (~$15,000). 

The government allocates cycles to participating clinics which are responsible for prioritizing patients and setting up/managing waitlists.  As a result, each clinic's waitlist is different. 

Clinic's don't typically share the fact that there is a waitlist until a patient's in-take call, which can take months to schedule.  

The goal of onfertility is that by making this data available, you'll be able to use it to select the best clinic for you. 


Fertility Matters Canada (FMC) is the leading national patient-focused organization providing free support, public education, and advocacy for equitable access to fertility care in Canada. Whether you are considering your future fertility, are currently on a fertility journey, are facing childlessness after infertility, have experienced a miscarriage or loss, or are seeking support or information, FMC is here to help you.

One of our CGIB members shared this post and video to share with others.  Thanks Justin. 


Effective 2022, you can submit applicable fertility related expenses to your personal taxes as noted... 

Medical Expense Tax Credit for Surrogacy and Other ExpensesSection 118.2 provides rules for determining the amount which may be claimed, as a tax credit, in respect of an individual’s medical expenses. Subsection 118.2(2) contains a list of expenditures that qualify as medical expenses for the purpose of claiming the medical expense tax credit in section 118.2.
New paragraph 118.2(2)(v) adds to the list of eligible medical expenses amounts paid to a fertility clinic or donor bank in Canada as a fee or other amount paid or payable, to obtain sperm or ova to enable the conception of a child by the individual, the individual’s spouse or common-law partner or a surrogate mother on behalf of the individual. Through this amendment, expenses for the acquisition of sperm or ova for use by an individual in order to become a parent would be eligible for the medical expense tax credit.
This measure applies to the 2022 and subsequent taxation years.