Family Planning Benefit

Fertility and adoption coverage

Fertility treatment and adoption can be great options for those looking to start a family, but they can also be complicated and expensive processes. Fortunately, our new Family Planning Benefit plan can help.

Our Personal Health Insurance Health and Dental plan is the first personal health plan in Canada to provide coverage for fertility drugs, fertility treatment and adoption.

What does the Family Planning Benefit cover?

The Family Planning Benefit covers $5,000 per family, per year for fertility drugs and $5,000 per family, per year for fertility treatment and adoption. Your Child or Children are covered for fertility drugs and fertility treatment if the child is going through a fertility related freezing procedure.


Coverage details

Maximum limit

Eligible providers

Fertility treatment

  • In vitro fertilization (IVF)*
  • Egg freezing
  • Intrauterine insemination (IUI)*
  • Sperm freezing
  • Embryo transfer*
  • Sperm extraction procedures
  • Storage fees (eggs, embryo, sperm)
  • Embryo freezing*
  • Fertility Testing

$5,000 combined limit per year/family**

A fertility clinic that has a Physician with the specialist credentials of Gynecologic, Reproductive Endocrinology and Infertility, as listed on the College of Physicians and Surgeons registry for the clinic location’s province


  • Agency fees
  • Legal fees incurred for legal advice relating to an adoption process
  • Domestic and international adoptions (International adoption means adoption of a child from another country arranged through a Canadian adoption agency)

Licensed Adoption agencies in Canada

Fertility drugs

  • 90% of eligible fertility drugs when purchased through our preferred provider network
  • 80% of eligible fertility drugs when purchased outside our preferred provider network
  • Dispensing fees up to $10

$5,000 per year/family**

* Available for eligible plan members 19+ years of age
** If per your agreement infertility is deemed to be a pre-existing condition then this benefit will reduce to a combined lifetime maximum of $2,000 for fertility drugs, fertility treatment and adoption.