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Mio Fertility › Canada · Saskatchewan
Saskatchewan coverage

Does Saskatchewan cover IVF?
A one-time 50% credit, up to C$10,000.

Short answer

Saskatchewan does not fund IVF or IUI directly. From the 2025 tax year, its refundable Fertility Treatment Tax Credit returns 50% of up to C$20,000 in eligible treatment and prescription drug costs, a maximum of C$10,000, and each tax filer can claim it once in a lifetime. Services must be received in Saskatchewan, as stated on the provincial page in October 2026.

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The rules

How the credit works

RuleSaskatchewan
Rate50%, refundable
Eligible expensesUp to C$20,000
Maximum creditC$10,000 per eligible claimant
How oftenOnce in a lifetime per tax filer
Tax years2025 and later
Administered byCanada Revenue Agency, through the annual tax return
Expense periodAny rolling 12-month period ending in the tax year

Source: Fertility Treatment Tax Credit, Government of Saskatchewan (accessed October 2026). CFAS reports the credit was announced in March 2025.

What counts and what does not

  • Counts: fertility treatment costs and related prescription drugs as defined by the federal Income Tax Act.
  • Where: fees paid to a Saskatchewan-licensed medical practitioner or fertility clinic for services received in Saskatchewan.
  • Excluded: travel, sterilization reversal, eggs or sperm bought outside Saskatchewan, and amounts reimbursed by private coverage.
What this means for you

One claim, so choose the moment

Because the credit can be claimed only once and counts expenses over a rolling 12-month period ending in the tax year, the timing of your claim matters. Ask a tax professional which year to claim in, given when you expect your largest costs. You pay the clinic first and receive the refund through your return.

  • Keep receipts from the clinic and pharmacy, with dates.
  • Ask your private plan what it reimburses: those amounts are excluded.
  • Treatment outside Saskatchewan does not qualify for this credit.
  • CFAS reports clinic wait times rose to 6 to 9 months after the credit was announced: book early.
Confirm first

Check the current rules with the Government of Saskatchewan, your clinic and your insurer before you plan treatment around this credit.

From the book

Expensive decisions deserve a second opinion

With a once-in-a-lifetime credit, it helps to be sure of the plan. Map to the Positive says a second opinion is good medical practice, not distrust, especially when:

  • The initial diagnosis is serious (ovarian insufficiency, unexplained infertility).
  • The proposed treatment is expensive or complex (IVF, surgery).
  • You feel something wasn't investigated thoroughly enough.
  • The first professional dodges your questions.
  • 6 months have gone by without progress or clarity.

Ask for copies of all your results and reports, book with another specialist, and present the case neutrally, without leading with the previous diagnosis.

Where this fits

This is one chapter. The map has 42.

This comes from Chapter 31 of Map to the Positive, How to choose the right doctor, in Station IV. The chapter also gives the questions for a first appointment and the signs of a good professional. The station covers when to see a specialist, the treatment ladder and IVF step by step.

IFoundation
IIAttunement
IIIOptimization
IVSigns
VPositive
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