At Procrea Fertility, our primary goal is to serve our patients with respect, compassion and understanding throughout their treatment journey. Each patient’s infertility treatment plan addresses their individual needs, the same is true of the costs associated with that plan. We understand that cost is an important consideration as you determine your course of treatment.

Healthcare coverage for infertility treatment varies considerably by province in Canada. Having a financing plan can help ease the stress of covering costs that healthcare plans don’t cover. Procrea Fertility has partnered with Health Smart Financial to offer patients access to financing. You can finance any treatment, service or product over $300 provided by Procrea.

The Health Smart Advantage

  • No Down Payment
  • Instant Approval
  • Renewable Credit Limits
  • High Acceptance
  • Affordable Monthly Payments
  • No Early Prepayment Penalty

To learn more about financing options through Health Smart, contact your nearest Procrea Fertility office to make an appointment with our financial counselor or you may also click the button below to apply online directly.


How Health Smart Works

Apply Online Apply at one of our Procrea locations or online by clicking the Apply Now button on this page.

Instant Approval No more waiting! With instant approvals you can move forward with ease and confidence.

Begin Treatment Today Choose a payment plan that works for you and begin your treatment today!


Flexible Payment Plan Options

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Low Interest Short-Term Plans     
Our Low-Interest Short-Term Plans provide interest rates as low as 0% over terms of 6 months or less.Choose a Health Smart Short-Term Plan for smaller transactions, or if you intend to pay off your balance in the near future.
TermInterest Rate
2 Months0%
4 Months2%
6 Months4%
Low Interest Short-Term Plans
Our Low-Interest Short-Term Plans provide interest rates as low as 0% over terms of 6 months or less.Choose a Health Smart Short-Term Plan for smaller transactions, or if you intend to pay off your balance in the near future.
TermInterest Rate
2 Months0%
4 Months2%
6 Months4%

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Long-Term Low Monthly Payment Plans       
Our Long-Term Plans have terms of up to 60 months, allowing you to minimize your monthly payment.Choose a Long-Term plan for larger transactions where you wish to spread the cost over a longer period.
TermMonthly Payment*
($10,000 Purchase)
36 Months$329
48 Months$260
60 Months$219
Long-Term Low Monthly Payment Plans
Our Long-Term Plans have terms of up to 60 months, allowing you to minimize your monthly payment.Choose a Long-Term plan for larger transactions where you wish to spread the cost over a longer period.
TermMonthly Payment*
($10,000 Purchase)
36 Months$329
48 Months$260
60 Months$219

Some conditions apply. Not all plans may be available at all locations. Subject to credit approval by Health Smart. Interest rates may vary based on credit adjudication. A Processing Fee of up to $6.95 per month applies for the length of all loan agreements. On long-term plans, interest rates are from 7.95%.

*Example monthly payments shown above for long-term plans assume 9.95% interest. Example long-term loan: $10,000 at 9.95% over 12 months has total interest charges of $547.51 and total Processing Fee of $83.40; Annual Percentage Rate (APR) 11.47% and total repayment amount is $10,630.91.

Our Financial Counselors Can Help

Procrea Fertility offers in-house guidance to answer questions regarding your provincial coverage and help you attain the best treatment at the best price possible. Schedule your first appointment today at a location nearest you find a fertility clinic here.


Schedule a Consultation

Visit Our Clinics to locate the nearest Procrea Fertility and to schedule a consultation. We look forward to helping you on your path to parenthood.