Thinking of egg freezing?
But worried about the cost, expenses, and medical bills that come with it?
How you feel if I say to you that Imagine someone else covers the cost of your egg freezing.
Sounds great, right?
But how?
Well, it’s possible, if you take advantage of tax deductions and insurance coverage.
I know you might not be aware of these options, and that’s exactly why you’re here.
So, let’s begin by addressing two common questions you probably have:
👉 “Is egg freezing covered by insurance?”
👉 “Can I claim it on my taxes?”
We understand that the financial side of fertility care can be confusing.
That’s why we’ve broken down everything you need to know about tax credits, insurance plans, and how to manage egg freezing costs in Canada.
Let’s walk through it together.
What is egg freezing?
Egg freezing (also known as oocyte cryopreservation) is a medical process where your eggs are collected, frozen, and safely stored so you can use them later when you’re ready to start a family.
People usually consider egg freezing for two main reasons:
Medical reasons – For example, before undergoing cancer treatments or dealing with health conditions that may affect fertility.
Personal reasons – To preserve fertility while focusing on your career, education, or simply waiting for the right time and partner.
It’s a powerful option that gives you more control over your future fertility.
How much does egg freezing cost in Canada?
Let’s be honest — cost is usually one of the first things that comes to mind when thinking about egg freezing. And you’re right to ask. It’s a big decision, and understanding the financial side is a huge part of it.
The total cost of egg freezing in Canada can vary depending on your unique situation, including:
👉 Your personalized treatment plan
👉 How your body responds to the medications
👉 How many cycles you may need
But the good news is, you don’t have to figure it out on your own.
At New Life Fertility, we understand that everyone’s journey is different — and so are the costs involved. That’s why we’re here to help you explore your options and understand what it could look like for you.
And if you’re curious about your own options, feel free to book a free call anytime. We’re happy to chat, answer your questions, and help you plan — no pressure, just support.
Can you claim egg freezing on your taxes in Canada?
Short answer: Sometimes yes, sometimes no — it depends on why you’re doing it.
If your doctor recommends egg freezing due to a medical condition (like upcoming cancer treatment), you may be able to claim it under the Medical Expense Tax Credit (METC).
But if you’re doing it for personal or elective reasons (like delaying parenthood), the Canada Revenue Agency (CRA) typically doesn’t consider it tax-deductible.
So…
When does egg freezing count as “medically necessary”?
According to the CRA, for your egg freezing expenses to qualify as a medical expense, they must meet the following criteria:
✅ Medically necessary – Your doctor must provide a letter stating that egg freezing is required due to a diagnosed health condition.
✅ Performed at a licensed fertility clinic – The clinic or provider must be certified.
✅ Directly related to a medical diagnosis – The procedure must be tied to a condition that could affect your fertility.
For example:
- You’re about to start chemotherapy or radiation, and your doctor recommends egg freezing to preserve fertility.
- You’ve been diagnosed with a condition like endometriosis, premature ovarian failure, or a genetic disorder affecting fertility.
In such cases, you may be able to claim expenses like:
- Diagnostic tests
- Fertility medications (like hormone injections)
- Egg retrieval procedures
- Lab fees for freezing and storage (if storage is required due to the medical treatment)
- Fees paid to licensed fertility clinics in Canada
👉 Tip: The more supporting documentation you have — especially from your doctor — the better your chances of a successful claim.
What typically doesn’t qualify?
Unfortunately, if you’re freezing your eggs for non-medical or lifestyle reasons, the expenses usually aren’t eligible for tax deductions.
Examples:
- You’re not ready to start a family yet, but want to keep your options open
- You’re seeking more reproductive flexibility in the future without a current medical diagnosis.
Even though these reasons are 100% legitimate and becoming more common, CRA’s tax rules are still a bit behind the curve on fertility preservation that’s done proactively.
Does insurance cover egg freezing in Canada?
In most cases, insurance plans in Canada do not cover elective egg freezing. But there are a few exceptions and potential workarounds you may want to explore.
🚫 What’s usually not covered
If you’re freezing your eggs for personal, lifestyle, or future planning reasons, most provincial health plans and private insurance plans will not cover the costs. This includes:
- Ontario Health Insurance Plan (OHIP)
- RAMQ (Quebec)
- MSP (British Columbia)
- Alberta Health Care Insurance Plan (AHCIP)
These provincial plans generally cover limited fertility treatments (such as a single IVF cycle in Ontario), and only when there’s a diagnosed medical infertility issue. Preventive or elective egg freezing is not typically included.
✅ What might be covered
If egg freezing is medically necessary — for example, before undergoing cancer treatment — some private insurance plans may cover specific aspects, such as:
- Initial consultations with a fertility specialist
- Hormonal stimulation medications
- Egg retrieval and storage (as part of medical fertility preservation)
- Related procedures recommended by your healthcare provider
Coverage often requires a doctor’s letter confirming the medical necessity of preserving fertility.
💼 Employer benefit perks: Some Canadian employers, especially in tech, finance, or multinational companies, offer Health Spending Accounts (HSAs) or fertility benefit programs that help cover:
- Egg freezing
- IVF
- Fertility medications
- Storage fees
It’s worth checking your benefits plan or speaking to HR — even if your insurance doesn’t cover it directly, employer-provided health accounts might.
Tips for managing the cost
Egg freezing is an investment and if insurance or tax deductions don’t cover everything, here are a few smart ways to help ease the financial load:
Use a health spending account (HSA)
If your employer offers an HSA, you can claim eligible medical expenses — including parts of the egg freezing process, depending on whether it’s for medical or elective reasons.
Set up a payment plan with your clinic
Many Canadian fertility clinics like NewLife Fertility offer installment plans, which help spread the cost across several months. This can be especially helpful when covering medications, retrieval procedures, and storage fees.
Look for grants or fertility support programs
Some organizations offer support or grants for fertility treatments (especially for cancer patients). Ask your clinic or search Canada-wide fertility assistance programs.
Tax-optimize wherever possible
Even if you’re not currently eligible for tax deductions, keep all your receipts. If your medical situation changes or the Canada Revenue Agency (CRA) updates its rules, you might be able to claim expenses retroactively.
I suggest you upload each receipt or bill to a secure cloud folder (like Google Drive or Dropbox) as you go. It makes finding bills things much easier during tax season.
Plan ahead for storage fees
Egg storage is an ongoing yearly cost. Expect to pay around $300–$600/year. Some clinics offer discounts for prepaying multiple years upfront, so ask about bulk pricing to save in the long run.
What you’ll need to claim egg freezing on your taxes (in Canada)
If your egg freezing qualifies as medically necessary, here’s what to keep in your records to support your Medical Expense Tax Credit (METC) claim:
A medical practitioner’s note or prescription
Get a written recommendation from your doctor clearly stating that fertility preservation is medically required. This could come from an oncologist, gynecologist, or other licensed healthcare professional.
Detailed receipts
Hold onto itemized receipts for every part of the process — including consultations, medications, procedures, and storage fees. Make sure the clinic’s name and GST/HST number are included on each invoice.
Proof of payment
Keep supporting documents like bank statements or credit card records. CRA may request these during a tax review or audit.
Clinic and practitioner credentials
Ensure that all services are performed by qualified medical professionals or licensed clinics. CRA won’t allow claims for services performed by unlicensed or unregulated providers.
A tax advisor or accountant (Optional, but smart)
Tax rules around fertility treatments can be complex and case-specific. A Canadian Chartered Professional Accountant (CPA) or experienced tax advisor can help ensure you’re maximizing your return and staying within CRA guidelines.
In summary, to claim expenses on your taxes, make sure you save:
✅ A doctor’s note recommending the procedure
✅ Detailed receipts and payment proofs
✅ Documentation from a licensed clinic
✅ Everything backed up digitally for easy access
Ready to take the next step
Still feeling a bit unsure about the costs and what you can (or can’t) claim?
Totally normal. This stuff can get overwhelming fast — but you don’t have to do it alone.
Here’s what we know for sure:
👉 If egg freezing is medically necessary, you might qualify for a tax break.
👉 If it’s elective, there are still ways to make it more affordable.
👉 And yes — support is out there. You just need to know where to look.
That’s where NewLife Fertility comes in.
We’re here to make this journey feel a little less stressful — by helping you understand your options, prepare for costs (including tax and insurance advice), and access the support you deserve.
So if you’re thinking about egg freezing (or already started), let’s talk.
Book a free consultation — no pressure, just clarity, care, and guidance.
You’ve got this — and we’ve got you. 💛
Frequently asked questions
Is elective egg freezing ever tax-deductible in Canada?
Generally no, unless it’s tied to a diagnosed medical condition. CRA doesn’t currently recognize elective fertility preservation as tax-deductible.
How much can I claim if my egg freezing is eligible?
The CRA’s Medical Expense Tax Credit allows you to claim 15% of qualifying expenses over the threshold amount (which varies annually based on your income).
Do any provinces cover egg freezing through public healthcare?
Not at this time. While provinces like Ontario fund limited IVF cycles, they don’t cover elective egg freezing.
Can I use my partner’s insurance or benefits for egg freezing?
Sometimes, it depends on your plan’s policy. If you’re listed as a dependent or spouse, it’s possible.
Can I deduct the cost of egg storage?
Yes, if the initial procedure was medically necessary. Storage related to a qualifying medical condition can be claimed as a medical expense.
