Financing
Bringing fertility care within reach for Canadians.
Many Canadians face challenges starting or growing a family. The cost of care shouldn’t be one of them.
Support is closer than you think.
From tax credits to partial IVF funding, government support can help you get started. The support available depends on your province and financial circumstances.
Fertility care,
fewer surprises.
People may need multiple treatments and more than one cycle to see results. This is normal, and common for many Canadians.
Before any treatment, the first step is understanding what is going on. These tests give your care team a clear picture and points you toward the right path.
Egg freezing collects and stores your eggs so you can use them later. It follows the same stimulation and retrieval steps as IVF, but pauses the process rather than moving straight to fertilization.
Genetic testing screens embryos for chromosomal or inherited conditions before transfer. It is done alongside IVF, adding a step after fertilization, and is often chosen based on age or family history.
ICSI (intracytoplasmic sperm injection) is a lab step within IVF where an embryologist injects a single sperm directly into an egg, rather than letting fertilization happen on its own. It's often used when sperm count or movement is low.
The Effect
When coverage ends,
your care shouldn't.
It’s common for government support, insurance coverage and employer benefits to fall short of the full cost of a fertility journey. But that doesn’t mean care has to stop.
Out-of-pocket costs?
No one should have to choose between care and cost. Families are left to navigate the coverage gap, from paying large upfront payments to deciphering confusing coverage entitlements.
Available support. What government support am I entitled to? More may be available than you expect. Lettuce walks you through the federal tax credits and provincial programs you qualify for.
Paying for care. How can I fund treatment throughout my fertility journey? Lettuce pays your clinic upfront, so you can start without a lump sum. You repay in fixed, manageable payments over a term you choose.
Speak to someone. Who can answer the questions I have during my fertility journey? Lettuce works with leading fertility counsellors who can answer any questions you have.
The Challenge
Most financing isn’t
designed for care.
Traditional financing is designed for everyday purchases, not healthcare essentials.
Credit Cards
20%+ APR
Generic BNPL
No care context
Family & Friends
Emotional burden
Defer Care Entirely
Worst outcome
Lettuce makes care possible.
Transparent terms.
No hidden fees.
No prepayment penalties.
You see your full cost before you sign.
You can pay off your balance early without extra charges.
Predictable payments.
Fixed terms.
Fixed payments, bi-weekly or monthly.
Your rate never changes for the life of the loan.
You know your total cost from the day you sign, down to the dollar.
Tailored-to-treatment.
Financing at the point of care.
Apply right in your clinic, in minutes.
Get a decision before you leave your appointment.
Your clinic is paid upfront, so treatment starts without delay.
Questions we’re asked.
Lettuce is available to people getting fertility care at partner clinics across Canada. We look at your full financial picture, not just a credit score, so many patients who have been turned down elsewhere find they qualify with us. You will need to be the age of majority in your province, a Canadian resident, and have a steady source of income. The quickest way to find out is to check your eligibility. It takes about two minutes.
Get Started
Making care possible
for more Canadians.