Fertility Finance Guide & Tips for Ontario

Q: How can I pay my invoice?

The invoice can be paid online through the TRIO website ( via the pay online link ) or in person at TRIO reception. Information on how to pay online will be included on your invoice.

Fertility Financing & Tax Credits

At TRIO, we know that fertility treatment is both a personal and financial journey. This page is designed to guide you through the financing options available, including our partnership with Beautifi for flexible payment plans. You’ll also find information on how to claim fertility-related expenses through the Medical Expense Tax Credit (METC) to help ease the financial burden while you focus on building your family. View our videos below to get started.

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Finance

Financing Options

At TRIO, we understand that fertility treatments can be a significant investment. That’s why we’ve partnered with Beautifi Solutions to offer flexible monthly payment plans, allowing you to focus on what truly matters: building your family.

About Beautifi

Simple, Fast Application: Applying is secure and won’t impact your credit score. It takes less than 3 minutes, and you’ll receive instant results.
Flexible Payment Options: Access up to $50,000 in financing with terms ranging from 6 months to 6 years. Beautifi loans are open, meaning you can pay off part or all of your loan anytime without penalties.
Zero Money Down: Beautifi pays TRIO directly, allowing you to focus on your treatment without upfront costs. Fixed monthly payments make budgeting easier.

Fertility Financing Calculator

Terms range from 6 months to 6 years—find a monthly payment that works for you. Finance all or a portion of the procedure cost. Try our financing calculator below.

Fertility Treatment Tax Credits

In Canada, you may be eligible to claim medical expenses, including fertility treatments, through the Medical Expense Tax Credit (METC) on both your Federal and Provincial (Ontario) annual tax returns.

To qualify, expenses must be paid within any 12-month period (not just fertility-related expenses). Only the portion not reimbursed by extended health plans can be claimed.

Eligible Medical Expenses

Allowable fertility medical expenses on your income tax may include:

Assisted reproductive technology (ART) procedures (e.g., ICSI, sperm extraction, IVF, egg freezing).

Frozen storage fees for eggs, sperm, or embryos.

Donor eggs, sperm, or surrogacy-related expenses.

Prescribed medications (with a DIN #) required for fertility treatments.

Non-OHIP-covered medical tests and laboratory procedures (including PGT).

Materials needed to administer prescribed medications (e.g., needles, syringes).

Services from approved healthcare providers (e.g., naturopaths, acupuncturists, psychologists).

View the full list from the Government of Canada

Ineligible Medical Expenses

Medical expenses that are often ineligible to be claimed on your tax return may include:

Over-the-counter medications, vitamins, and supplements.

Insurance premiums and cosmetic procedures.

General health services (e.g., gym memberships, massages).

Tax Credit Calculation

Federal Tax Credit Formula:

Calculate 3% of your net income (A * 0.03 = A1).

Compare A1 with $2,759 (2024 threshold) and use the lower amount (A2).

Subtract A2 from your eligible medical expenses (B - A2 = X).

Multiply X by the combined federal and provincial rates (X * (0.15 + 0.0505) = METC).

Example Calculation (Ontario Resident)

Net Income (A): $100,000

Eligible Expenses (B): $20,000

$100,000 * 0.03 = $3,000

Compare $3,000 and $2,759 – use $2,759.

$20,000 - $2,759 = $17,241.

$17,241 * (0.15 + 0.0505) = $3,534.41.

Total Tax Credit: $3,534.41 (non-refundable).

Ontario Provincial Tax Credit

Example Calculation

Eligible expenses can also be claimed for an additional 20% provincial credit (up to $5,000 credit).

More information to be available soon.

Tips for Claiming Medical Expenses

Helpful Tips

Use the TRIO expense tracker to keep a record throughout the year.

Save all receipts and request a year-end printout from the TRIO pharmacy.

Include all medical and dental expenses when filing.

Be organized in case of an audit – keep copies of all submitted receipts.

Frequently Asked Questions

When is my treatment invoice due?

The invoice is issued shortly after reporting your day 1 to start the cycle and will come with instructions on when/how to pay. Payment is due before your procedure.

Can I pay the invoice in multiple transactions?

Yes, payments can be split between accounts or shared between Beautifi and your personal account.

What payment methods are accepted?

Payment is accepted by credit card, bank draft, and cheque. Cash is accepted up to $2000.

How can I pay my invoice?

The invoice can be paid online through the TRIO website (via the pay online link) or in person at TRIO reception.

Information on how to pay online will be included on your invoice.

Does TRIO submit expenses directly to insurance providers?

No, TRIO does not currently direct bill any insurance company.

Are payment plans available?

Yes, TRIO works with Beautifi which offers low interest fertility financing with flexible payment options.

Does OHIP cover medications for the funded IVF cycle?

No, medications for IVF-funded cycles are not covered by OHIP.

Fertility Treatment Finance Guide