How much does IVF cost in Toronto?

A private IVF cycle in the Greater Toronto Area typically costs $10,000–$15,000 for the base cycle, plus $4,000–$8,000 in medications, plus optional add-ons (PGT-A $4,000–$7,000, ICSI $1,500–$2,000, freezing/storage). Most patients spend $15,000–$25,000 per cycle all-in.

Does OFP cover medication costs?

No. The Ontario Fertility Program covers the base IVF cycle but not medications. Medication costs typically run $4,000–$8,000 per cycle and are paid out of pocket or through private drug coverage.

How many IVF cycles should I budget for?

Live birth rates per cycle decline with age. Many patients need 1–3 cycles to reach a successful outcome. Budgeting only for the best-case single cycle is a common financial pitfall — plan for at least two if the math allows.

What does PGT-A genetic testing cost in Toronto?

Pre-implantation genetic testing for aneuploidy (PGT-A) typically costs $4,000–$7,000 per cycle in the GTA, with pricing structured as a biopsy fee plus a per-embryo charge. PGT-A is not covered by OFP.

How much does ICSI add to IVF cost?

ICSI (intracytoplasmic sperm injection) typically adds $1,500–$2,000 per cycle to the base IVF cost in Toronto. ICSI is recommended in cases of male-factor infertility or when prior fertilisation issues were observed.

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What will IVF actually cost you in Toronto?

The clinic website says the cycle is $12,000. By the time you finish, you've paid $22,000. We built this so the number stops surprising you — every line item, every realistic range, every cycle you might actually need.

Funding scenario

OFP covers one IVF cycle's base costs (no meds, no add-ons). The age cap is 42. See the OHIP eligibility checker if you're not sure.

How many cycles are you planning to budget for?

Many patients need 1–3 cycles to reach a live birth. Budget for the realistic case, not just the best case.

Estimated medication tier

Your clinic will refine this. Higher AMH and younger age typically mean lower doses; diminished ovarian reserve usually means higher.

Add-ons

Toggle the extras you expect your protocol to include.

ICSI$1,500–$2,000/cyclePGT-A genetic testing$4,000–$7,000/cycleEmbryo freezing (1st year)$700–$1,500/cycleDonor eggs$15K–$25K/cycleDonor sperm$700–$1,500/vial

Additional years of embryo storage

Most clinics include the first year. Each additional year is $400–$600.

Estimated total

$15,200 – $23,000

Expected mid-point: $19,100 across 1 cycle

Line item	Low	High
IVF base cycle × 1 Retrieval, fresh transfer, monitoring, clinic fees	$10,000	$15,000
Medications × 1 Standard protocol	$4,500	$6,500
Embryo freezing × 1 First year of cryopreservation included	$700	$1,500
Total	$15,200	$23,000

Heads up: if you're under 43, an Ontario resident, and have never used a funded cycle, you may qualify for one OFP-funded IVF cycle — check eligibility to confirm.

You may also get back 25% of eligible fertility expenses (up to a $5,000 refund) through the Ontario Fertility Treatments Tax Credit. Estimate your refund.

Want help picking a clinic that fits this budget?

Tell us about your situation and we'll match you with the GTA fertility clinics that line up — independent, free, no email gate.

Cost ranges are based on our independent audit of GTA fertility clinic pricing. Final pricing varies by clinic, protocol, response, and add-ons selected. Always confirm exact pricing with the clinic before starting treatment.

Also try

OHIP funding eligibility

Check whether OFP will cover your IVF cycle (saves you $10K–$15K on the base cycle if you qualify).

Tax credit calculator

Estimate your Ontario + federal tax refund on the costs you do pay out of pocket.

Wait time comparison

See which GTA clinics can start treatment soonest at your price point.