We started Gaia to give everyone who wants a family a chance to try.

Today, we fall short of that mission — partly due to eligibility criteria dictated by our insurance partners, partly because we need to manage our own financial risk to stay in the business of helping our Members — but we can promise you we work everyday to expand access to our plans.

The best way to find out if you’re eligible is to apply

When you apply to become a Gaia Member, we ask you a number of questions. We consider all your information holistically to get a full picture. Because we use a number of factors, it’s hard to clearly lay out who we’ll be able to give a plan to. And in fact, our members each have a unique story to tell.

two women standing hand in hand with each other
Katie & Georgia
Diagnosis: None
Age: 34 and 27
Treatment: IVF with donor sperm
Treatment history: 3 IUI treatments
a happy couple
Nicky & Rory
Diagnosis: None
Age: 36 and 36
Treatment: IVF with ICSI
Treatment history: 3 IVF treatments
A smiling couple
Stella & Toby
Diagnosis: Tubal factor and male factor
Age: 39 and 42
Treatment: Egg donor
Treatment history: 4 IVF treatments
a woman smiling
Ogechi
Age: 39
Diagnosis: Tubal factor
Treatment: Standard IVF
Treatment history: 1 IVF treatment

There are some clear cut-offs

We cannot guarantee you’ll get a Gaia Plan if you meet all the criteria below. But if you don’t, we will sadly not be able to offer you a plan today.

Body mass index (BMI)

If you're planning on carrying out the pregnancy, your body mass index needs to be between 10 and 35.

Because clinics have traditionally imposed a BMI limit, there isn’t enough data (yet) for us to design plans outside of this range and get approval from our insurers. Since launching Gaia, we’ve been able to move our BMI limit from 30 to 35, and will continue to gather evidence to further improve access.

Age

If you're 42+ and using your own eggs, it's unlikely you will be eligible for a plan. We can, however, accept people up to age 50 who carry a pregnancy using donor eggs.

Find out your BMI
BMI is calculated by dividing your weight in kg and your height in metres squared.
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BMI is calculated by dividing your weight in kg and your height in metres squared.
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
BMI is calculated by dividing your weight in kg and your height in metres squared.
From what you told us, your BMI is
XX.X
This means that you could be eligible for a Gaia Plan.
Credit score & affordability

Before we give you your loan, we need to make sure that you won’t be put into a tough financial position if and when you come to repay your cycle costs.

When you complete your credit profile, we will run a "soft" credit check and affordability check to give you your personalised interest rate and make sure the plan is fair and affordable for you. A "hard" check will only be run when you sign your Membership Agreement.

Will my credit be impacted?
Soft credit checks won’t impact your credit score, which is why we do this check when you are exploring whether Gaia is right for you.

However, when you sign your Membership Agreement, our member support team will let you know that we will run a hard credit check. A hard check can impact your credit score and means that other credit lenders will be able to see that a company has run a check.
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We’re on the way to the US!

Thank you for your interest in Gaia. While we aren’t available in the United States yet, we’re arriving later this year and can’t wait to meet you.

In the meantime, please join our waitlist to be the first to know about our stateside launch. We’ll be in touch soon.

We and selected partners, use cookies or similar technologies as specified in the cookie policy.