In October 2025, the Ontario government committed $250 million over three years to expand the Fertility Program, adding new clinics and pushing to triple the number of families who get access to publicly funded IVF.
If you’ve been searching “funded IVF Toronto” for weeks and the list of options suddenly feels longer than it used to, that funding shift is a big part of why.
Here’s the thing almost nobody explains clearly enough: funded IVF doesn’t happen at “the government.” It happens at a specific clinic. And every participating clinic runs its funded program a little differently, different wait times, different labs, different bedside manner, different everything except the funding itself.
So picking the right clinic actually matters, arguably more than the funding decision itself.
I looked closely at seven of Toronto’s most established and most talked-about funded IVF clinics, what they offer, how their funded programs actually work, and what genuinely sets each one apart, so you can compare with your eyes open instead of guessing from a map pin.
What is funded IVF?
Funded IVF means the Ontario government covers the cost of one full IVF cycle for eligible residents, through a program called the Ontario Fertility Program (OFP).
“So the government pays the clinic directly?”
Sort of, and this is the part that explains why clinics differ so much. OFP funding flows through transfer payment agreements between the Ministry of Health and specific fertility clinics, not through one central booking system you apply to. The government decides which clinics get funding and how many funded cycles each one receives. The clinic then runs its own program within that allocation.
That’s why “funded” doesn’t mean identical everywhere. It means the IVF cycle itself, egg retrieval, fertilization, and the transfer of resulting embryos, is covered. It does not mean every cost tied to the cycle is covered, and it does not mean every clinic offers it the same way.
Why do fertility clinics in Toronto receive funding for IVF?
Clinics don’t automatically get OFP funding just by opening their doors. They apply for it, through a formal call for applications process run by the Ministry of Health, and if selected, they sign a transfer payment agreement covering a set number of funded cycles for a given fiscal year.
That’s why the list of funded clinics in Toronto keeps growing, and why it isn’t fixed. Pollin Fertility and Twig Fertility both announced their acceptance into the OFP within days of each other in October 2025, as part of the same $250 million expansion round. Clinics that have participated for years, like Hannam Fertility Centre and CReATe Fertility Centre, receive ongoing funding allocations that get renewed and, in recent years, expanded.
The practical effect for patients: how many funded spots a clinic has this year, relative to how many people want one, is what actually determines whether you’re looking at a short wait or a long one. It has very little to do with how good the clinic is.
Quick comparison of funded IVF clinics in Toronto
| Clinic | OFP Funded IVF | Primary Toronto-Area Location | Funded IVF Wait (approx.) | What Stands Out |
|---|---|---|---|---|
| NewLife Fertility | Yes, IVF at the Mississauga hub, funded IUI at Toronto | Toronto (Lower Jarvis St) + Mississauga, 11 locations in Ontario | Currently enrolling patients | 20+ years in Ontario, 12 in-house specialists |
| TRIO Fertility | Yes | 655 Bay St, Toronto + North York, Thornhill, Burlington | Varies by capacity | Largest in-house fertility medical team in Canada |
| Pollin Fertility | Yes (joined Oct 2025) | 2360 Yonge St, Toronto | No waitlist, 4 to 6 weeks to start | Tech-forward flagship, no-waitlist funded IVF |
| Twig Fertility | Yes (joined Oct 2025) | 313 Eglinton Ave W & 130 King St W, Toronto | No waitlist | AI-assisted embryology, no referral required |
| Mount Sinai Fertility | Yes | 250 Dundas St W, Toronto + Vaughan, Mississauga | Roughly 6 to 7 months | Hospital-affiliated academic centre, unlimited funded IUI |
| Hannam Fertility Centre | Yes (nearly 10 years) | Yonge & Bloor, Toronto + Ottawa | No waitlist | Only CAP-accredited fertility lab in Canada |
| CReATe Fertility Centre | Yes | 790 Bay St, Toronto + Etobicoke, North York, Durham, London | Varies by capacity | One of Canada’s longest-running clinics, deep donor program |
7 best funded IVF clinics in Toronto for expert fertility care
Below is a list of the seven best funded IVF clinics in Toronto offering expert fertility care. Each clinic provides unique services, fertility specialists, and patient support to help you make an informed choice.
NewLife Fertility
NewLife Fertility has supported individuals and couples across Ontario for more than 20 years and has grown into one of the province’s largest fertility networks. With 11 clinics across Ontario and a team of experienced fertility specialists, the clinic provides comprehensive fertility care while focusing on personalized treatment plans customized to each patient’s needs.
Fertility services of NewLife Fertility
NewLife Fertility offers a broad range of fertility treatments and diagnostic services, including:
- In Vitro Fertilization (IVF)
- Intrauterine Insemination (IUI)
- Egg and sperm freezing
- Fertility preservation
- Fertility testing for men and women
- Ovulation induction
- Preimplantation Genetic Testing (PGT)
- Donor egg and donor sperm programs
- Surrogacy and gestational carrier support
- Care for 2SLGBTQIA+ individuals and couples
- Fertility counselling and recurrent pregnancy loss support
Locations of NewLife Fertility
NewLife operates multiple fertility clinics across Ontario. Patients in Toronto can visit the Lower Jarvis Street clinic for consultations, fertility assessments, funded IUI, and cycle monitoring, while funded IVF treatments are performed at the clinic’s dedicated IVF centre in Mississauga, which features an in-house embryology laboratory.
Why patients consider NewLife Fertility
Patients often choose NewLife Fertility for its extensive fertility network, experienced team of specialists, and wide range of fertility services available within a single organization. The clinic also provides financial guidance, counselling, and inclusive family-building support to help patients navigate every stage of their fertility journey.
Book your free consultation: Contact NewLife Fertility at 📞 +1 416-941-2586 to discuss your fertility treatment options with an experienced care team.
TRIO Fertility
TRIO Fertility is one of Canada’s longest-established fertility clinics and is part of the IVI-RMA Global Network. The clinic offers a comprehensive range of fertility treatments supported by multidisciplinary medical and laboratory teams.
Fertility services of TRIO Fertility
- IVF
- IUI
- Egg and embryo freezing
- Reciprocal IVF
- Third-party reproduction
- Male fertility services
- Time-lapse embryo culture
Locations of TRIO Fertility
TRIO’s primary fertility centre is located on Bay Street in downtown Toronto, with additional monitoring clinics in North York, Thornhill, Burlington, and other Ontario communities.
Why patients may consider TRIO Fertility
Patients may consider TRIO for its experienced medical team, comprehensive fertility services, and access to specialized programs for male infertility and recurrent pregnancy loss.
Pollin Fertility
Pollin Fertility is a newer fertility clinic that joined the Ontario Fertility Program in 2025. The clinic combines fertility care with modern facilities and offers services for individuals, couples, and diverse family-building journeys.
Fertility services of Pollin Fertility
- IVF
- IUI
- Egg and sperm freezing
- Embryo banking
- Genetic testing
- Donor conception
- Wellness and naturopathic care
Locations of Pollin Fertility
Pollin’s primary fertility clinic is located on Yonge Street in Toronto, with additional locations in Ottawa and patient support services in other Ontario communities.
Why patients may consider Pollin Fertility
Patients may consider Pollin for its modern facilities, inclusive care pathways, and participation in Ontario’s funded IVF program.
Twig Fertility
Twig Fertility is a Toronto-based fertility clinic that became part of the Ontario Fertility Program in 2025. The clinic focuses on integrated fertility care supported by reproductive medicine, counselling, and fertility preservation services.
Fertility services of Twig Fertility
- IVF
- IUI
- Fertility preservation
- Donor programs
- Genetic counselling
- Reproductive urology
- Mental health counselling
- Early pregnancy care
Locations of Twig Fertility
Twig operates a full-service fertility clinic in Midtown Toronto and an additional downtown location for patient monitoring appointments.
Why patients may consider Twig Fertility
Patients may consider Twig for its integrated care model, fertility counselling services, and comprehensive support throughout treatment.
Mount Sinai Fertility
Mount Sinai Fertility is one of Toronto’s longest-running fertility centres and is affiliated with Mount Sinai Hospital and the University of Toronto. The clinic combines fertility treatment with academic research and hospital-based care.
Fertility services of Mount Sinai Fertility
- IVF
- IUI
- ICSI
- Egg and embryo freezing
- Frozen embryo transfer
- Genetic testing
- Donor and third-party reproduction
Locations of Mount Sinai Fertility
The main fertility clinic is located in downtown Toronto, with additional monitoring locations in Vaughan and Mississauga.
Why patients may consider Mount Sinai Fertility
Patients may consider Mount Sinai Fertility for its hospital affiliation, research involvement, and broad range of fertility treatment options.
Hannam Fertility Centre
Hannam Fertility Centre has participated in Ontario’s funded fertility program for several years and provides fertility treatment supported by an accredited embryology laboratory and comprehensive reproductive services.
Fertility services of Hannam Fertility Centre
- IVF
- IUI
- ICSI
- Genetic testing
- Egg and embryo freezing
- Donor programs
- Gestational carrier support
- Reciprocal IVF
Locations of Hannam Fertility Centre
Hannam’s primary fertility clinic is located in downtown Toronto, with an additional consultation office in Ottawa.
Why patients may consider Hannam Fertility Centre
Patients may consider Hannam for its comprehensive fertility services, laboratory standards, and support for a wide variety of family-building options.
CReATe Fertility Centre
CReATe Fertility Centre has provided fertility care in Canada for more than three decades and offers advanced reproductive treatments supported by experienced fertility specialists and in-house laboratory services.
Fertility services of CReATe Fertility Centre
- IVF
- IUI
- Egg freezing
- Genetic testing
- Donor and surrogacy programs
- Fertility surgery
- Cycle monitoring
Locations of CReATe Fertility Centre
CReATe’s main fertility clinic is located on Bay Street in downtown Toronto, with satellite clinics serving several Ontario communities.
Why patients may consider CReATe Fertility Centre
Patients may consider CReATe for its long history in reproductive medicine, in-house genetic testing capabilities, and comprehensive fertility treatment options.
What should you look for when choosing a funded IVF clinic?
The funding available through the Ontario Fertility Program is the same regardless of which participating clinic you choose. However, the overall treatment experience can vary based on several factors. Considering the points below can help you select a clinic that aligns with your fertility needs and expectations.
Compare funded IVF wait times before joining a clinic
Funded IVF wait times can vary significantly between clinics. This difference is usually based on the number of funded treatment spots a clinic receives each year and the number of patients already on its waitlist, rather than the quality of care. Before choosing a clinic, ask about its current estimated wait time so you have realistic expectations about when treatment may begin.
Understand how fertility specialists manage your treatment
Every fertility clinic follows its own care model. Some assign one fertility specialist who manages your treatment from consultation to embryo transfer, while others use a collaborative team approach where multiple specialists review and oversee patient care. Understanding how your treatment will be coordinated can help you decide which approach feels right for you.
Look for accredited laboratories and advanced fertility technology
The quality of an embryology laboratory plays an important role in IVF treatment. While it’s difficult for patients to assess laboratory standards directly, you can ask whether the clinic follows recognized quality standards, has an in-house embryology laboratory, and uses advanced reproductive technologies such as time-lapse embryo monitoring or genetic testing when appropriate.
Evaluate the level of patient support beyond medical treatment
Fertility treatment is both a medical and emotional journey. Some clinics offer additional support services such as fertility counselling, mental health support, financial guidance, patient education, or care coordinators who help patients throughout treatment. These services can make the IVF journey more manageable and improve the overall patient experience.
Check whether the clinic offers the fertility treatments you may need
Although Ontario’s Fertility Program covers eligible IVF treatment, some fertility services may not be included. If you may require donor programs, fertility preservation, genetic testing, gestational carrier support, or other specialized treatments, it’s worth confirming whether the clinic provides these services in-house.
Consider where your appointments and procedures will take place
Many fertility clinics operate from multiple locations. Initial consultations, bloodwork, and monitoring appointments may take place at one clinic, while egg retrievals and embryo transfers are performed at another facility. Understanding where each stage of your treatment will occur can help you plan for travel and appointments more easily.
Ask about patient education, financial guidance, and counselling services
Starting IVF often comes with many questions about treatment, timelines, and costs. Clinics that provide educational resources, financial counselling, and access to genetic or reproductive counsellors can help patients make informed decisions and feel more supported throughout their fertility journey.
What costs may still apply with funded IVF?
The Ontario Fertility Program (OFP) helps cover the cost of one eligible IVF cycle, but some treatment-related expenses are not included. Depending on your treatment plan, you may still need to budget for the following:
| Expense | What’s typically not covered |
| Fertility medications | Medications required during your IVF cycle are generally not covered by OFP. Costs can be around $5,000 per cycle, although some expenses may be offset through the Ontario Fertility Treatment Tax Credit. |
| Embryo freezing and storage | Storage fees beyond the period covered by the program are usually paid by the patient. |
| Genetic testing (PGT) | If your fertility specialist recommends testing embryos before transfer, this is generally an additional cost. |
| Donor sperm or donor eggs | Donor gametes and any required screening or associated costs are not covered by OFP. |
| Additional IVF cycles | OFP funds one eligible IVF cycle per lifetime. Any additional cycles are self-funded and typically cost $10,000 to $15,000, excluding medications. |
| Optional fertility services | Services such as elective egg freezing, fertility preservation outside OFP eligibility, or other optional treatments may involve additional fees. |
Looking for a complete breakdown? Read our OHIP Funded IVF Cycle guide to understand exactly what’s covered, what isn’t, and what out-of-pocket costs you should expect.
How do you apply for funded IVF in Toronto?
Book a fertility consultation
Every clinic on this list requires a referral from a physician, except Twig and Pollin, which currently allow patients to self-refer and book directly.
Complete your fertility assessment
Bloodwork, ultrasounds, and sometimes a semen analysis, to confirm a diagnosis and build a treatment plan specific to you.
Confirm eligibility
You’ll need a valid Ontario Health Card and to be under 43 at the time of treatment. Our Ontario IVF Funding Eligibility Guide covers the full criteria, including for single patients, same-sex couples, and reciprocal IVF.
Join the clinic’s funded IVF waitlist
This is clinic-specific, not provincial. You can choose any participating clinic and join its individual waitlist, and that same guide breaks down how wait times vary and what affects them.
Begin treatment when funding becomes available
Once your spot comes up, your clinic team will walk you through cycle timing, medication protocols, and what to expect at each stage.
How to choose the right funded IVF clinic in Toronto?
At this point you’ve seen what each clinic offers. Here’s how to actually turn that into a decision.
Match the clinic to your fertility needs
If your case is straightforward, most of these clinics will serve you well. If you’re already anticipating donor involvement, a complex diagnosis, or a specific religious accommodation, weight that heavily, since not every clinic runs those programs in-house.
Compare wait times honestly
A shorter wait at a newer clinic and a longer wait at an established one both have trade-offs. Ask each clinic directly for their current estimate rather than relying on a number you read somewhere months ago, since funded cycle allocations shift year to year.
Consider treatment options beyond funded IVF
Your first cycle might be funded, but fertility journeys aren’t always linear. Think about whether you’d want that same clinic for a second cycle, donor treatment, or reciprocal IVF if your first funded cycle doesn’t result in pregnancy.
Evaluate clinic communication and support
Book the initial consultation and pay attention to how it feels, not just what’s on the website. Response times, how questions get answered, and whether you feel rushed all tell you something a comparison table can’t.
Choose a clinic where you feel comfortable and confident
This sounds soft, but it has a real effect. IVF involves dozens of appointments over weeks or months. The clinic you trust enough to ask hard questions is usually the one that serves you best.
Could the right funded IVF clinic in Toronto make a difference in your fertility journey?
Choosing a funded IVF clinic involves more than finding somewhere that accepts the funding. Every clinic on this list does that. What differs is the wait, the lab, the team model, and the kind of support built in around the medicine.
Expertise, treatment options beyond just the funded cycle, and how a clinic communicates with you over months of appointments all shape what this experience actually feels like, not just whether it’s covered.
NewLife Fertility has supported patients across Ontario for more than 20 years, with 12 in-house fertility specialists and a team of over 100 supporting staff across 11 locations, including Toronto and the Mississauga hub where funded IVF cycles are completed.
Our team has also contributed to fertility research presented at CFAS and ASRM conferences, and we’re currently welcoming new patients onto our funded IVF waitlist following Ontario’s 2025 program expansion. Whether funded treatment is the right starting point for you, or private care makes more sense for your timeline, we’ll help you figure out which path actually fits.
Book your free consultation and let’s talk through what funded IVF could look like for you.
Frequently asked questions about funded IVF clinics in Toronto
NewLife Fertility, TRIO Fertility, Pollin Fertility, Twig Fertility, Mount Sinai Fertility, Hannam Fertility Centre, and CReATe Fertility Centre all currently participate in the Ontario Fertility Program for funded IVF, alongside dozens of other clinics across the province, though not all OFP clinics offer IVF funding specifically, some are funded for IUI only.
Yes. You can select any participating clinic and join that clinic’s individual waitlist.
Yes, one cycle per patient per lifetime, with an additional funded cycle available for patients who have acted as a surrogate.
It varies significantly by clinic, from no wait at some recently funded clinics to roughly 6 to 7 months at Mount Sinai Fertility, up to 18 to 24 months historically at some of Ontario’s busiest clinics.
Generally no. Medications typically add around $5,000 to a cycle, though the Ontario Fertility Treatment Tax Credit can offset part of that cost.
In most cases yes, but you’d typically need to restart the referral and waitlist process at the new clinic, so it’s worth confirming directly with both clinics before making the switch.
Yes. Funded IVF cycles are completed at NewLife’s Mississauga clinic, while funded IUI and monitoring are available at its Toronto location and across its wider Ontario network.
