Financial support for fertility treatment and surrogacy
On this page
- Introduction
- What Canada is doing
- Fertility support and resources from the provinces and territories
Introduction
Many people face challenges on their journey to parenthood. They may need to rely on surrogacy or expensive medical procedures to build their families, if they:
- are experiencing infertility
- are in a same-sex couple
- choose to solo parent
What Canada is doing
Medical Expense Tax Credit (METC)
The METC helps people deal with medical or disability-related expenses by reducing their income tax. In 2022, the Government of Canada broadened the METC to include more expenses related to fertility. The government did this by expanding:
- what counts as an eligible expense
- who you can claim medical expenses for
Fertility-related medical expenses incurred outside of Canada are not eligible for the METC. Neither are fertility-related medical expenses that have been or will be reimbursed, such as through a provincial rebate or grant.
For more information about the METC, visit the Canada Revenue Agency's pages:
- Medical Expense Tax Credit (METC) for surrogacy and other expenses
- Lines 33099 and 33199 – Eligible medical expenses you can claim on your tax return
- Medical expenses – Lines 33099 and 33199 of the return (previously lines 330 and 331 of Schedule 1)
Non-Insured Health Benefits program (NIHB)
The NIHB covers eligible First Nations and Inuit clients for a range of health benefits that are not covered through other:
- social programs
- private insurance plans
- provincial or territorial public health insurance
The NIHB considers coverage on a case-by-case basis for medications used for assisted fertility treatments.
For more information about NIHB coverage, please refer to:
Fertility support and resources from the provinces and territories
Coverage for in-vitro fertilization (IVF) and other fertility treatments varies greatly across the country. Some provinces and territories cover certain fertility-related medical procedures while others do not. Some also provide information about infertility on their websites. Consult the table below or your local health care provider for more information.
| Province or territory (in alphabetical order) | Public health insurance program | Public health insurance covers fertility assistance? | Fertility resources |
|---|---|---|---|
| Alberta | AHCIP | No | Infertility (AB) |
| British Columbia | MSP | Yes | Infertility (BC) |
| Manitoba | MSHIP | Yes | FAQs About the Fertility Treatment Tax Credit |
| New Brunswick | New Brunswick Medicare | Yes | Infertility treatment: Special assistance fund |
| Newfoundland and Labrador | MCP | No | Not available |
| Northwest Territories | NWT Health Care Plan | No | Not available |
| Nova Scotia | Nova Scotia MSI | No | Not available |
| Nunavut | NHCP | No | Not available |
| Ontario | OHIP | Yes | Get fertility treatments |
| Prince Edward Island | PEI Health | Yes | Fertility treatment program: A funding support program |
| Quebec | QHIP | Yes | Medically assisted reproduction program |
| Saskatchewan | Saskatchewan Health Services | No | Fertility Care Pathway |
| Yukon | YHCIP | No | Not available |
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