Through the Ontario Fertility Program, residents with a valid OHIP card can get one funded IVF cycle if under 43, including transfer of all viable embryos one at a time, plus unlimited funded IUI cycles. Fertility drugs, genetic testing and storage are not covered. Since the 2025 tax year, the refundable Ontario Fertility Treatment Tax Credit returns 25% of up to C$20,000 in eligible expenses (maximum C$5,000 a year), per ontario.ca as of June 2026.
| Service | What is funded |
|---|---|
| IVF | One treatment cycle per patient, including transfer of all viable embryos one at a time; patient must be under 43. One additional cycle when acting as a surrogate |
| Artificial insemination (AI) and IUI | No limit on funded cycles, no additional eligibility requirements |
| Fertility preservation | One cycle per patient, only before treatment for a medical condition that may cause infertility |
| Fertility drugs | Not covered (the province estimates about C$5,000 per IVF cycle and about C$1,000 per AI or IUI cycle) |
| Genetic testing | Not covered |
| Storage of sperm, eggs or embryos | Not covered |
Source: Get fertility treatments, Ontario.ca, June 8, 2026.
To be eligible you must live in Ontario and have a valid OHIP card. Sex, gender, sexual orientation and family status do not affect eligibility. Funded clinics may have wait lists: each clinic manages its own, prioritizing patients by physician clinical judgment, and reports wait list length and average wait times to the Ministry of Health.
Medication is left to you, and the province itself estimates it at about C$5,000 per IVF cycle. Ask your private or workplace plan whether it covers fertility drugs, and keep receipts for the provincial tax credit and the federal Medical Expense Tax Credit, which excludes reimbursed expenses and costs incurred outside Canada.
Funding grew in 2025 and the tax credit is new. Confirm current rules with Ontario.ca, your clinic and your insurer before you plan.
Map to the Positive places IUI on Level 2 of treatment: sperm is processed in a lab and placed directly in the uterus at ovulation, usually combined with ovulation induction. The book gives a success rate of 10 to 20% per cycle, and lists its indications: mild male factor, cervical factor, unexplained infertility, lesbian couples and single women.
The book's ladder suggests IUI with induction for 3 to 6 cycles, then IVF for 1 to 3 cycles before reassessing. Skipping rungs can be justified with advanced age or a severe diagnosis. Funded IUI without a limit is useful, but ask your specialist when it is time to move up.
The treatment ladder is Chapter 34 of Map to the Positive, in Station IV. It explains each level, from clinical optimization to IUI, IVF, ICSI, donor eggs and PGT. The station also covers when to see a specialist, how to choose a doctor and IVF step by step.
Take 30 days. If it does not give you more clarity than everything you have read for free so far, ask for a refund and you get every cent back. We cannot promise you a pregnancy. We can promise you will not be guessing.
References: Get fertility treatments - Ontario.ca (2026-06-08) · Ontario Fertility Treatment Tax Credit - Ontario.ca (2026-06-26) · Ontario Connecting More Families to Fertility Supports (Government of Ontario news release, as republished by Today's Northumberland) (2025-10-08) · Federal IVF pledge stalls, shifting pressure to patients and plan sponsors - Benefits and Pensions Monitor (2026-10-20) · Financial support for fertility treatment and surrogacy - Government of Canada (Public Health Agency of Canada) (2024-09-26)