Fewer than 1 per cent of Manulife group plans cover fertility treatments, despite growing demand across Canada
Fertility drug usage among women rose by 14.57 percent in 2024, according to new claims data released by Manulife Canada during Canadian Fertility Awareness Week.
The insurer said seeking fertility treatment can be financially and emotionally demanding.
In Canada, a single round of in vitro fertilization (IVF) costs about $20,000, and multiple rounds are often needed.
Although infertility affects one in six couples, fewer than 1 percent of employers with Manulife group benefits plans include coverage for fertility clinic treatments. Around 53 percent offer coverage for fertility drugs.
“There is a fertility funding gap in Canada,” said Jennifer Foubert, head of Product for Group Benefits at Manulife Canada.
She noted that the fertility journey often involves emotional and financial challenges, and said that coverage for both drugs and treatment can significantly help couples pursue parenthood.
Manulife noted the absence of a national plan to cover IVF and other fertility services in Canada.
Coverage varies widely by province and territory—some jurisdictions provide support for certain medical procedures, while others do not.
Manulife pointed to the growing number of women seeking fertility treatment, along with single parents and same sex couples aiming to expand their families, as reasons employers should consider their role in supporting reproductive planning.
The company’s report, promoting women's health for a vibrant workforce, outlines recommendations for employers, including offering fertility benefits, education, and support.
For employers opting into fertility coverage, Manulife recommends a minimum of $15,000 per lifetime per family, though some plans go up to $50,000.
“Employers investing in their people can help attract and retain talent,” said Ash Desai, head of Group Benefits at Manulife Canada.
He added that offering inclusive benefits reflects a company’s culture and support for employees, and noted that Manulife staff have shared how meaningful it is to access treatment without the heavy financial burden.
In 2023, Manulife expanded fertility benefits for its employees, removing all lifetime maximums and limits related to drug costs, medical procedures, or treatment cycles.
