Starting or growing a family can be one of life’s most meaningful journeys—but for many Canadians, fertility treatments like IVF (in vitro fertilization), IUI (intrauterine insemination), and egg freezing come with high costs that aren’t covered by public healthcare.
If you’ve searched “how to afford IVF in Canada,” “fertility treatment loans,” or “monthly payment plans for IVF,” you’re not alone. More couples and individuals are turning to Medicard by iFinance Canada for flexible fertility financing—so they can focus on building their family, not financial stress.
Here’s how Medicard makes this life-changing care more accessible.
Why Fertility Financing Matters
Fertility treatments are highly personal—and often emotionally and financially overwhelming. While some provincial programs offer limited support (like Ontario’s one funded IVF cycle), most Canadians still pay out of pocket for treatments, medications, and associated care.
Common costs include:
- IVF treatment: $10,000 – $20,000+ per cycle
- Medications: $3,000 – $5,000
- Egg freezing: $6,000 – $10,000
- IUI treatments: $1,000 – $2,000 per attempt
- Donor sperm/egg or surrogacy-related services: additional thousands in costs
For many families, these prices are simply out of reach without financing.
What Is Medicard?
Medicard is Canada’s leading patient financing program from iFinance Canada. It allows individuals and families to pay for fertility care through affordable monthly payments, instead of one large upfront bill.
You get access to care when you need it most, with a simple, fully digital application and quick approvals.
What Can You Finance with Medicard?
Medicard covers nearly every type of fertility-related procedure, including:
- In vitro fertilization (IVF)
- Intrauterine insemination (IUI)
- Egg freezing and storage
- Donor sperm or donor egg services
- Fertility medications and diagnostics
- Embryo freezing
- Surrogacy-related expenses
- Hormonal therapy and testing
Whether you’re just starting or moving into your second or third cycle, Medicard gives you a stress-free way to manage the cost.
Benefits of Choosing Medicard for Fertility Financing
- Loans up to $40,000 available
- No down payment required
- Flexible repayment terms (12 to 84 months)
- Open loans – repay anytime with no penalties
- High approval rates
- Instant online pre-approval with no credit score impact
- Discreet, secure, and fully digital application process
- Canadian-based support team available 7 days a week
Medicard is built to support your path forward with transparency, speed, and compassion.
How It Works
Getting started with Medicard is simple:
- Apply online with Medicard
- Get pre-approved instantly with no credit impact
- Choose your ideal payment plan
- Your clinic is paid directly
- You begin your treatment and make monthly payments
No paperwork. No delays. Just peace of mind.
Why Fertility Clinics Recommend Medicard
Medicard is trusted by fertility clinics across Canada for its ease of use and patient-first approach.
- Clinics are paid upfront
- No merchant fees
- Increases patient case acceptance
- Seamless experience for both clinics and patients
- Over 25 years of trusted service in medical financing
By offering Medicard, clinics empower their patients to access care they may have otherwise delayed or declined.
Begin Your Family Journey with Confidence
Fertility care is one of the most important investments you’ll ever make. With Medicard, you don’t have to compromise your financial health to pursue the family you’ve dreamed of.
Apply today and get pre-approved in minutes.
Medicard is here to help you move forward—on your terms.
