The Gaia Plan

What is the Gaia Plan?
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Who can get a Gaia Plan?
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How do I sign up?
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Do I need to have a clinic?
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What can I expect to see in my Gaia quote?
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What treatments do you cover?
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What's included in the Gaia Membership?
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Can I have a Gaia Plan if I have stored embryos?
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How does Gaia differ from other financing and refund options?
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How do you make money?
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Can I batch embryos with a Gaia Plan?
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Your Protection

What is my protection fee?
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A payment that you make to Gaia to start each cycle so that we can fix your cycle costs, pay your clinic all your treatment expenses, protect your IVF journey, and give you access to our Member support and community. Your protection fee is tailored based on your personal details, your chosen clinic, and the type of treatment you plan to have. Your protection fee can be paid in a single payment or spread into 10 monthly payments, interest free.

How much is the protection fee?
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The protection fee is based on your personal details, your chosen clinic, and the type of treatment you plan to have. It is typically between £2000-4000. Paying this fee to start each cycle allows us to fix your cycle costs, pay your clinic all your treatment expenses, protect your IVF, and give you access to our Member support and community. It can be paid in a single payment or spread into 10 monthly payments, interest free. Find out more about our costs in our pricing page.

Do I need to complete my cycle to get protection?
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To be able to access the discount you must complete your cycle and have used all viable embryos. If you decide to stop your IVF before completing the cycle that you currently started, you will not be eligible for a discount.

Your Repayments

What's included in my fixed cycle costs?
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Your fixed cycle costs include your retrieval, unlimited embryo transfers (fresh or frozen) and all medication. Specifically, we pay for your nurse consultations, donor eggs or sperm (when applicable), treatment monitoring scans, treatment monitoring blood tests, egg collection, sedation, fertilisation, ICSI (when applicable), blastocyst culture, fresh and frozen transfers, embryo freezing, 1 year of storage, and medication up until 12 weeks of pregnancy.

We follow guidelines outlined by the HFEA on what treatments and procedures are essential to your IVF. Full details about what is and isn’t included in your Gaia Plan will be listed in your Membership Agreement. Speak with us if you have any questions.

How much does a fixed cycle cost?
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Your fixed cycle cost is the cost of a cycle at your chosen clinic which is fixed upfront to include your retrieval, all medications and embryo transfers. Your fixed cycle cost is based on your clinic and the treatment that you plan to have. Find out more about IVF costs in our IVF calculator.

What is my interest rate?
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Once you have a child, or if you decide to stop trying before completing 3 cycles of IVF, you will repay Gaia the cost of the cycles you’ve had (with any applicable discounts). If you choose to, you may repay in monthly instalments over a maximum period of 8 years, with an interest rate based on our assessment of your personal financial circumstances. Your interest rate will be communicated to you before committing to your Gaia Plan and will be between 14-18%. It doesn’t kick-in until the money is due — this means no interest accrues throughout your treatment and pregnancy.

Can I repay my loan early?
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You have a maximum of 8 years to pay back your loan, and there are no early repayment fees.

Getting in Touch

How do I get in touch?
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The best way to get support from us is to request a quote. You’ll also be able to book a call with our support team to discuss your quote in more detail on your profile. Alternatively, you can get in touch here.

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