The world’s first IVF insurance

Protect your journey – pay an insurance premium to start each IVF round. Pay for your IVF treatment only if you have a child.

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How we help

Don’t pay the full cost upfront

We know IVF is expensive. Pay your insurance premium to start each round of treatment, and we pay the clinic on your behalf.

Full visibility of your costs

We fix the cost for your full treatment, including medication and all essential procedures. So that when you have a child, you know exactly how much you will pay.

Insure your treatment

If at the end of your covered rounds, you don’t have a child, you don’t have to pay back anything more than the premiums you already paid.

Only pay for what you need

We aren’t a multi-cycle package. Pay only for the treatments that you needed to have your child, regardless of how many rounds you are covered for.

Be a part of our Member community

Our Membership gives you access to 12 sessions of complementary counselling, the opportunity to talk to a fertility coach, Member Support Groups, and in person and online Member events.

How your Gaia Plan works

How it works

You are covered for
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Up to 6 rounds of treatment
  • Standard IVF
  • Standard IVF
  • IVF + ICSI
  • IVF + Egg donor
  • IVF + Sperm donor
  • Shared Motherhood
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All essential procedures
  • Monitoring scans
  • Monitoring blood tests
  • Sedation for egg collection
  • HFEA Fee
  • Blastocyst culture
  • Pregnancy scan
  • Follow up consultation
  • Embryo freezing
  • Embryo storage
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Medication costs
  • Everything you need for your IVF cycle and up to 12 weeks of your pregnancy
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12 counselling sessions
  • With a BICA trained counsellor
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Access to an embryologist
All you have to pay to start
An insurance premium for each round, paid monthly or in a lump sum.
If you have a child
Finance your treatment you've had for up to 8 years.
If you don’t have a child at the end of your covered rounds
You pay no more than your insurance premiums.

In our Member’s words

“We looked at loans, remortgaging the house, asking friends and family but then we found Gaia!"

Katie, Gaia Member

“I had no idea where to begin when I decided to start IVF. With Gaia, I felt more in control over my journey and my money.”

Sophie, Gaia Member

“Gaia designed a personalised, totally transparent Plan for me with no hidden costs.”

Shermain, Gaia Member

“We looked at loans, remortgaging the house, asking friends and family but then we found Gaia!"

Katie, Gaia Member

“Gaia designed a personalised, totally transparent Plan for me with no hidden costs.”

Shermain, Gaia Member

“I had no idea where to begin when I decided to start IVF. With Gaia, I felt more in control over my journey and my money.”

Sophie, Gaia Member

Your questions answered:

Can anyone get a Gaia Plan?
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We have to make sure that our Gaia Plans are fair and affordable for you, and that your premium isn't too expensive. This means that your predictions have to be above 82% across at least 6 rounds of IVF. Also, we currently can only insure members who have a BMI of below 35.

Can I have a Gaia Plan with any clinic?
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You can go to any HFEA registered clinic in the UK and select clinics abroad.

How do you calculate my premium?
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We calculate your premium based on your personalised chances of success, the number of rounds you are insured for, and the cost of treatment at your clinic. Each and every member has a unique premium tailored to their journey. Insurance premiums are separate from the treatment price at your clinic, as they go towards covering you and others during the IVF journey. Your personalised quote is valid for 3 months, after which you will have to request another one.

Talk to us

Speak to someone directly, we're always happy to talk