Quebec Fertility Treatment Coverage

Financial solutions

Healthcare coverage for infertility treatment varies considerably by each province in Canada. On November 10, 2015, a new law (Bill 20) went into effect which terminates almost all services related to In Vitro Fertilization (IVF) previously insured by Régie de l’Assurance Maladie du Québec (RAMQ). RAMQ no longer provides coverage for In Vitro Fertilization (IVF), except in cases of egg/embryo freezing for cancer patients.


Patients now have to self-pay for IVF treatment services. As part of the restructuring, new eligibility conditions regarding the tax credit were introduced so that the tax assistance granted for expenses incurred after November 10, 2015 cover only a limited number of In Vitro Fertilization cycles and is restricted to persons who do not have children and who did not choose voluntary sterilization for contraceptive purposes. The terms for calculating the tax credit were also reviewed to take into account the financial ability of households to contribute to the payment of their In Vitro Fertilization treatment. To that end, rate tables were established to offset 20% to 80% of expenses paid in a year, up to $20,000.

For additional information regarding IVF coverage and tax assistance, visit: