Private insurance and fertility benefits

Many Canadian workplace plans cover fertility medications up to a lifetime maximum, and a growing number cover treatment cycles. Check the drug plan maximum, whether it is lifetime or annual, prior authorisation rules, and whether the plan covers surrogacy or donor-related costs. Ask your plan administrator in writing, and get pre-authorisation before starting.

Also known as: extended health benefits, workplace benefits, group insurance

Last reviewed: September 9, 2026. Written by the Antega Editorial Team. General information only — always follow the advice of your own clinic, doctor or pharmacist.