Start IVF with a protection fee and we’ll handle all your treatment costs.
Only repay when you have a child.

How it works

(UK & Europe)

Gaia covers you across 3 cycles of IVF, with discounts if you stop without having a child.

To start your first cycle

Pay a protection fee

Monthly financing available.

What you get

Peace of mind: We pay your clinic upfront with 0% interest throughout your treatment and pregnancy.

Cost clarity: We fix the cost of a cycle, including a retrieval, unlimited transfers, and meds.

Protection: If you don't have a child, you won't pay the full price of your treatment.

Support: Access to counseling, nutritional support, a session with an independent embryologist and more.

What you get

Peace of mind: We pay your clinic upfront with 0% interest throughout your treatment and pregnancy

Cost clarity: We fix the cost of a cycle, including a retrieval, unlimited transfers,  and meds

Protection: If you don't have a child, you won't pay the full price of your treatment

Support: Access to counseling, nutritional support, a session with an independent embryologist and more

When you have a child

Pay your fixed cost of 1 cycle

Monthly financing available.

25% off

if you stop without having a child.

Subject to eligibility.

To start your second cycle

Pay a protection fee

Monthly financing available.

What you get

Peace of mind: We pay your clinic upfront with 0% interest throughout your treatment and pregnancy.

Cost clarity: We fix the cost of a cycle, including a retrieval, unlimited transfers, and meds.

Protection: If you don't have a child, you won't pay the full price of your treatment.

Support: Access to counseling, nutritional support, a session with an independent embryologist and more.

What you get

Peace of mind: We pay your clinic upfront with 0% interest throughout your treatment and pregnancy

Cost clarity: We fix the cost of a cycle, including a retrieval, unlimited transfers,  and meds

Protection: If you don't have a child, you won't pay the full price of your treatment

Support: Access to counseling, nutritional support, a session with an independent embryologist and more

when you have a child

Pay your fixed cost of 2 cycles

Monthly financing available.

50% off

if you stop without having a child.

Subject to eligibility.

To start your third cycle

Pay a protection fee

Monthly financing available.

What you get

Peace of mind: We pay your clinic upfront with 0% interest throughout your treatment and pregnancy.

Cost clarity: We fix the cost of a cycle, including a retrieval, unlimited transfers, and meds.

Protection: If you don't have a child, you won't pay the full price of your treatment.

Support: Access to counseling, nutritional support, a session with an independent embryologist and more.

What you get

Peace of mind: We pay your clinic upfront with 0% interest throughout your treatment and pregnancy

Cost clarity: We fix the cost of a cycle, including a retrieval, unlimited transfers,  and meds

Protection: If you don't have a child, you won't pay the full price of your treatment

Support: Access to counseling, nutritional support, a session with an independent embryologist and more

when you have a child

Pay your fixed cost of 3 cycles

Monthly financing available.

Pay nothing

if you stop without having a child.

Subject to eligibility.

Pay a protection fee to start

Pay your protection fee to Gaia to start a cycle of IVF.

Gaia covers you for up to 3 cycles of IVF, each including one egg retrieval and all subsequent transfers, with all essential procedures, monitoring scans and medication. Simply pay a protection fee every time you wish to start a new cycle.

Protection fee can be paid over 10 months, interest-free.

Focus on your treatment worry-free

We’ll handle paying your clinic so you’ll never have to see a single bill. Also, we fix your costs upfront so you’ll always know exactly how much to repay Gaia when you have a child or decide to stop treatment.

There is 0% interest throughout your treatment and pregnancy, potentially saving you thousands compared to a traditional loan.

Our Member support team is at hand to help you every step of the way through whatsapp, phone calls or email. You’ll also get access to a community of experts and fellow members, including 6 sessions of counselling, a session with an independent embryologist, nutritional support, in person and online events and peer support groups.

When you have a child, repay for the cycles you’ve had

Once you have a child, you’ll repay the fixed costs of the cycles you’ve had. So if you have a child after 1 cycle, you’ll only repay for 1 cycle. If you have a child after 2 cycles, you’ll repay for 2. Same goes for 3 cycles.

You can choose to repay as one lump sum or in monthly instalments over a maximum of 8 years. If you take advantage of our monthly payment plan, interest will apply.

Your interest rate is fixed and determined upfront, before you start your plan.  There are no prepayment penalties.

Get protection if you don’t have a child

If you don’t have a child at the end of your third cycle, you won’t have to repay any of your treatment costs.

You’re also covered if your plans change: if you decide to stop  trying after your 1st or 2nd IVF cycle, we’ll discount your cycle costs.  The exact discounts available to you will be outlined in your personalised Gaia Plan.

In most cases (subject to eligibility):
After 1 cycle, you’ll only repay 75% of the fixed cost of 1 cycle.
After 2 cycles, you’ll only repay 50% of the fixed cost of 2 cycles.
After 3 cycles, you won’t pay any of your cycle costs.