Is there insurance that covers IVF?

IVF is expensive and it’s hard to know how many treatments you might end up needing, and whether you will be able to afford it. This is why we created the world’s first IVF insurance meaning you’ll go through all treatments for around 30% of the cost, and only repay an affordable monthly amount when you have a child. Nothing more if you don’t.

Does private health insurance cover IVF?

Every private health insurance provider is different. It’s important to ask your provider for a full breakdown of what their policies include. Some might cover a full range of fertility treatments, including IVF. Others might only cover fertility testing. And others might cover no fertility-related treatments at all.

If they do cover IVF treatment, know that they may restrict your choice of doctor.

Another important factor is that a lot of fertility clinics won’t accept payment authorisation codes often used by private health insurance providers. This means you’ll still have to come up with the money up front. Only once you’ve paid the clinic can your private health insurance provider reimburse you. And there can be a lot of admin involved.

Why should I consider IVF insurance with Gaia?

“In the same way that you insure your house or your car, it’s security in case you need it and if you don’t need it then it hasn’t cost you the earth.” – Emily, Gaia Member

We know from experience that IVF isn’t just financially painful. It’s also emotionally and physically painful. Not to mention a constant learning curve. It’s hard to know how many treatments you might end up needing, and extra costs can spiral.

We exist so that you never have to pay for your full treatment costs up front. We take care of your payments, so that you can focus on your treatment.

Our insurance plans not only cover all essential IVF treatments and medication, but they also cover 12 sessions of counselling, plus access to an embryologist, a support line, groups and events. We’ll fix all your costs upfront, so you’ll know exactly what you’re getting, and how much your repayments would cost when you have a child.

Unlike other insurance products, you are not restricted to a specific clinic. You are able to get a Gaia Plan with any HEFA registered clinic in the UK and selected clinics within the EU.

How does our Insurance Plan work? 

1. We personalise a Plan for you 

Based on the information you give us – plus data from one million previous IVF treatments over the past 30 years – we offer you a plan insuring you for up to six rounds of IVF.

2. We pay your clinic upfront

To start your IVF treatment with a Gaia Plan, pay your insurance premium for your first round – a fraction of its total cost. We then pay your clinic upfront, the full cost of your treatment round.

3. Pay us back over time only if you have your child

When you have your child, you then start paying back your treatment costs in monthly instalments over 8 years.

If you don’t have a child in your insured rounds, you are covered by the premiums that you have already paid – so you don't have to pay for your treatment costs.

For example, if you have your child after two rounds of treatment. You will have paid two premiums (one for each round). After you have your child, you start paying for the treatment cost of those two rounds in affordable monthly instalments  for up to 8 years.

How much does IVF cost with Gaia Insurance?

The premium you pay before each round is typically 20-30% of the cost of your treatment. This is additional to the treatment cost, and is what protects you against having to pay for the full cost of the treatment if you don’t have a child after your insured rounds.

To make sure your Plan is fair and affordable, your premium pre-tax will never be more than 40% of the total treatment costs. Complete our short questionnaire to find our how much your plan could cost.