What Does Egg Freezing Actually Cost in Toronto? The Full Breakdown

General January 8, 2026 January 8, 2026

If you’re thinking about freezing your eggs, you’ve probably already Googled “egg freezing cost Toronto” more times than you’d like to admit.

And what did you find? Vague ranges, confusing medical terms, and maybe a few “contact us for pricing” dead ends that left you more confused than when you started.

Here’s the thing: egg freezing is a big decision—emotionally, physically, and financially. You deserve to know what you’re actually looking at cost-wise.

So let’s break it down. All of it. The procedure costs, the medications (because yes, those are separate), the storage fees, and the financial help that’s actually available to you.

A quick note: All the pricing we’re sharing here is specific to EVOLVE Egg Freezing and is current as of now—but things can change, so it’s always worth confirming with our team when you’re ready to move forward.

Egg Freezing Cost in Toronto: The Bottom Line

The whole egg freezing process typically costs between $12,000 and $25,000.

That’s a wide range because everyone’s situation is different.

Here’s what affects your final number:

How many cycles you do (some people do one, some do two or more to bank more eggs)
Your medication protocol (everyone responds differently)
Whether your insurance covers any of it
How you choose to pay for storage

Let’s break down each piece so you can actually plan.

Egg Freezing Cycle Cost

The Egg Freezing Cycle: $8,8000

This is the core procedure cost at EVOLVE, and it includes:

All your monitoring appointments (and there will be several)
Bloodwork and ultrasounds throughout your cycle
Anesthesia for the retrieval
The actual egg retrieval procedure
Violet report
The freezing process itself

What doesn’t it include? Medications. (We’ll get to those in a second.)

Think of this $8,800 as the “base package”—everything you need for the medical side of things, from the moment you start stimulation to the moment your eggs are safely frozen.

Egg Freezing Medication Costs

Medications: $5,000–$10,000

This is where things get a bit unpredictable.

The medications you’ll need are injectable hormones that stimulate your ovaries to produce multiple eggs in one cycle (instead of the usual one egg per month).

The actual dose is determined by the physician once a protocol is written. It’s uncommon that the dose will change in cycle, but response will dictate the number of days a patient will be on the meds.

Here’s the good news: Many extended health plans cover at least part of your fertility medications. Coverage varies a lot from plan to plan, but it’s worth checking. Even partial coverage can make a real difference.

Before you start, ask your insurance company for written confirmation of what they’ll cover. It helps avoid surprises later.

Egg Freezing Consultation and Testing

Initial Consultation: No Charge

Your first consultation with an EVOLVE nurse is complimentary.

This is your chance to:

Ask all your questions
Understand if egg freezing makes sense for you right now
Get a sense of what your timeline might look like
Figure out if EVOLVE feels like the right fit

No pressure, no commitment. Just information.

Fertility Testing: Mostly Covered by OHIP

Before you start the actual egg freezing process, you’ll need some baseline testing to understand your ovarian reserve and overall reproductive health.

Most of this diagnostic testing is covered by OHIP. The one exception? Your AMH test (Anti-Müllerian Hormone), which costs $125.

This test measures your ovarian reserve—basically, how many eggs you’re working with. It’s a really important piece of information for planning your egg freezing journey.

Egg Freezing Storage Fees

Storage: Two Options

Once your eggs are frozen, they need to be stored. You’ve got two ways to pay for this at EVOLVE:

Option 1: Pay upfront for 5 years

$2,000 paid at the time of freezing
This works out to $400/year
Best value if you know you want long-term storage

Option 2: Pay annually

$780 per year, starting one year after freezing
More flexibility if you’re not sure about your timeline

Your eggs can stay frozen indefinitely. The technology is reliable, and there’s no expiration date on frozen eggs.

Future Costs: Using Your Frozen Eggs Later

When (and if) you decide to use your frozen eggs in the future, there will be additional costs for:

Thawing your eggs
Fertilization (IVF)
Embryo transfer

These costs aren’t included in your egg-freezing package because they occur at a different clinic and at a different time—potentially years down the road. If you end up using TRIO Fertility (EVOLVE’s sister company) for IVF, they can walk you through those costs when the time comes.

Payment Policies for Egg Freezing

Payment for your egg freezing cycle needs to be made in full before you start the stimulation phase.

We know that sounds like a lot to have ready upfront. That’s exactly why we’ve partnered with financing options to help make this more manageable.

EVOLVE accepts:

Credit cards
Bank drafts
Beautifi financing
All fees are in Canadian dollars and are subject to change.

Financing Egg Freezing with Beautifi

Making Egg Freezing More Affordable

Okay, so we’ve covered what things cost. Now let’s talk about how to actually pay for it—because there are more options than you might think.

EVOLVE has partnered with Beautifi to offer flexible payment plans specifically for fertility treatments.

You can finance all or just part of your egg freezing costs. Some people use Beautifi for the procedure and pay for medications separately. Others finance the whole thing. It’s up to you.

Check out the financing calculator to see what monthly payments might look like for your situation.

Insurance Coverage for Egg Freezing

Insurance Coverage: Check Your Benefits

Many private insurance plans cover at least some fertility-related expenses. It varies a lot, but common coverage includes:

Fertility medications (full or partial)
Some diagnostic testing
Occasionally, portions of the procedure itself

Questions to ask your insurance provider:

Do you cover fertility medications or procedures?
Do I need prior authorization?
Is there an annual or lifetime maximum?
What documentation do you need for claims?
If my partner also has insurance, can we coordinate benefits?

A quick and helpful note: EVOLVE has a financial coordinator who can assist with all insurance needs.

Employer Fertility Benefits

Employer Benefits: Don’t Overlook These

More and more employers are adding fertility benefits to their packages. It’s worth checking if yours offers:

Fertility or family-building stipends
Enhanced drug coverage for fertility medications
Health Spending Accounts (HSAs) or Flex benefits that can be used for egg freezing

Ask your HR department. Even if it’s not explicitly listed in your benefits package, they might have options you don’t know about.

And if your company doesn’t offer fertility benefits? Consider asking for them. Companies are increasingly recognizing fertility preservation as an important benefit, and your question might be the nudge they need.

Ontario Fertility Tax Credit and Egg Freezing

Ontario offers a 25% fertility tax credit on certain eligible fertility expenses, up to $20,000 in expenses per year (maximum credit of $5,000 annually).

Note: this is different from the Ontario Fertility Program, which we will chat about later.

However, it’s important not to oversimplify this:

The credit is meant for eligible fertility treatments provided by licensed Ontario clinics.
How elective egg freezing is treated can depend on how the expenses are classified and how the current rules are interpreted.
Not every egg freezing–related expense will automatically qualify, and rules can change.

Because of this, it’s more accurate to say:

Some egg freezing–related expenses may qualify for the Ontario fertility tax credit, but eligibility is not guaranteed and depends on your situation and current program criteria.

If your expenses do qualify, you might be able to claim things like:

Monitoring and related appointments
Frozen egg storage fees
Prescribed fertility medications (with a DIN number)
Non-OHIP-covered tests and lab procedures
Materials for administering medications
Services from approved healthcare providers involved in your fertility care

Expenses that generally don’t qualify include:

Over-the-counter medications, vitamins, and supplements
Insurance premiums
General health services like gym memberships or massages

To understand exactly what’s eligible for you, it’s best to:

Keep detailed receipts
Review the latest Ontario fertility tax credit guidelines
Talk to an accountant or tax professional who understands fertility-related claims

Federal Medical Expense Tax Credit (METC)

On top of any provincial credit, you may also be able to claim fertility-related expenses through the federal Medical Expense Tax Credit.

In general:

You can claim eligible medical expenses paid in any 12‑month period that ends in the tax year.
You can combine expenses for yourself, your spouse/partner, and dependent children.
The credit amount depends on your income and the size of your expenses above a certain threshold.

Example (for illustration only):

Net income: $80,000
Eligible egg freezing–related expenses: $13,000
3% of your income = $2,400 (this is your threshold)
Eligible portion = $13,000 – $2,400 = $10,600
Combined federal and provincial credit rate might work out to around 20% of that $10,600, or roughly $2,000+

If some of your expenses also qualify for Ontario’s fertility credit, your total tax relief could be meaningful—but again, it depends on your specific circumstances and current rules.

Tips for maximizing your tax credits:

Keep every receipt (provider name, date, description, amount)
Request a year-end printout from the pharmacy with DIN numbers
Save your Beautifi financing statements
Keep copies of everything in case of an audit
Consider working with an accountant who understands fertility-related tax credits

For more details and a helpful expense tracker, check out EVOLVE’s Financing & Tax Guide.

Is Egg Freezing Covered by OHIP or Government Funding?

What About OHIP or Government Funding?

Elective egg freezing is not covered by OHIP or the Ontario Fertility Program.

The government funding that exists for fertility treatments is specifically for IVF in certain circumstances—not for elective egg freezing.

The exception: If you need medically necessary fertility preservation (for example, before chemotherapy or gender-affirming surgery that will impact your fertility), some elements may be covered based on specific program criteria. If this applies to you, talk to our team and we can help you navigate what might be available.

Planning Your Egg Freezing Budget

So what does this all look like when you add it up?

Minimum scenario (one cycle, lower medication needs):

Egg freezing cycle: $8,800
Medications: $5,000
AMH test: $125
Storage (5 years upfront): $2,000

Total: $15,925

Higher scenario (one cycle, higher medication needs):

Egg freezing cycle: $8,800
Medications: $10,000
AMH test: $125
Storage (5 years upfront): $2,000

Total: $20,925

If parts of these expenses qualify for tax credits, your net out-of-pocket cost could be lower, but it will depend on eligibility and your personal situation.

These are estimates. Your actual costs will depend on your specific situation, your insurance coverage, and how your body responds to medications.

Please confirm current pricing with our team, as fees are subject to change.

Multiple Egg Freezing Cycles

What If You Need More Than One Cycle?

Some people undergo multiple egg-freezing cycles to bank more eggs. This is especially common if:

You’re hoping for a larger family in the future
Your first cycle didn’t retrieve as many eggs as you’d hoped
You want to maximize your options

If you’re considering multiple cycles, talk to your EVOLVE doctor about:

How many eggs you might want to bank based on your family goals
What your ovarian reserve suggests about how many cycles might be beneficial
How to space out cycles (and costs) in a way that works for you

Why EVOLVE Is Transparent About Egg Freezing Pricing

One of the most frustrating parts of researching egg freezing is the lack of clear pricing. A lot of clinics make you jump through hoops just to get a ballpark number.

At EVOLVE, we believe you deserve to know what you’re looking at financially before you even book a consultation. This is a big decision, and you should be able to plan for it properly.

That’s why we put our pricing right on our website. No games, no hidden fees, no surprises.

You’ll know what you’re paying for, what’s included, and what additional costs might come up based on your specific needs.

Next Steps if You’re Considering Egg Freezing in Toronto

If you’re seriously considering egg freezing, here’s what we recommend:

Book a consultation with an EVOLVE nurse to talk through your situation and get personalized information.
Check your insurance benefits to see what coverage you might have for medications or procedures.
Explore financing options through Beautifi to see what monthly payments might look like.
Learn about tax credits and start keeping track of any fertility-related expenses.
Talk to our finance coordinator if you want help navigating the financial side of things.

Ask your questions. This is your eggs, your future, and your money. You deserve clear answers.

The Bottom Line

Egg freezing is an investment. There’s no getting around that.

But it’s an investment in your future options, your peace of mind, and your ability to make decisions about your family on your own timeline.

With financing options, insurance coverage, and potential tax credits, it’s more accessible than many people realize. And at EVOLVE, we’re committed to helping you understand all your options so you can make the choice that’s right for you.