Sunfish vs. BUNDL Fertility

Based on research as of September 17, 2026.

BUNDL Fertility's IVF plans are built around two or three egg retrievals, and its 100% refund guarantee (BUNDL Guard) requires meeting clinical criteria. Sunfish's IVF Success Program offers single and double retrieval packages, priced upfront, with no clinical screen required to enroll and refunds the second cycle if you don't end up using it.¹

Planning for IVF means deciding what to pay for before you know how your body will respond to treatment. Both companies offer multi-retrieval packages. The difference is what happens to the money if you use less treatment than you bought.

Below, we compare what each company actually sells, plan by plan, starting with the structural difference that shapes everything else.

Key takeaways

• BUNDL's core plans package retrievals, not cycles. Guard, Basic, and Back-to-Back all package two or three egg retrievals into one purchase, and its only single-cycle plan pairs that cycle with an IUI attempt first, refunding the IVF portion if the IUI succeeds.
• Sunfish offers single and double retrieval packages, at one fixed, upfront price, with no age, diagnosis, or insurance-based screen to enroll. If a member doesn't need the second cycle, Sunfish refunds it.
• BUNDL's refund and its open enrollment are two separate products. BUNDL Guard requires clinical criteria to qualify for its refund guarantee. BUNDL Basic drops the criteria and drops the refund with it.
• Sunfish's financial protection isn't gated behind a screen. The guaranteed partial refund of up to $15,000 comes with the Gold Program, subject to program terms, a tier you choose, not a screen you have to pass.¹
• Both models exclude medication and PGT-A testing from the core price. What happens around that exclusion is where the two programs diverge.

What happens to a cycle you don't end up using

Sunfish's IVF Success Program includes all single embryo transfers of a patient's eligible embryos at one fixed price for up to a year, in place of the separate fee a fertility clinic charges for each frozen embryo transfer.

BUNDL Fertility's core plans aren't priced around a single IVF cycle, they're priced around a package of retrievals, purchased together, before a patient knows how many she'll use.

• BUNDL Guard packages two or three retrieval cycles and pairs them with a 100% refund guarantee, but only for patients who meet its clinical qualification criteria.
• BUNDL Basic also packages two or three retrievals. It's open to anyone, with no clinical criteria to qualify, but it carries no refund guarantee.
• BUNDL Back-to-Back packages two or three retrievals designed to happen consecutively, with embryos banked for a future transfer rather than transferred immediately.
• BUNDL 1+1 is the one plan built around a single IVF cycle, paired with an IUI attempt first. If the IUI succeeds, BUNDL refunds the IVF portion.

A patient who wants exactly one IVF cycle doesn't have a clean option on BUNDL's list. She either buys a package of two or three retrievals, or starts with the IUI plan.

Sunfish offers both single and double retrieval packages, and the double is priced below buying two cycles separately. What it doesn't do is keep the money for a cycle you never use. If a member doesn't use the second retrieval, Sunfish refunds it. Either way, the price is set before treatment starts:

"One full IVF cycle including egg retrieval, anesthesia, embryo freezing, transfer, embryology services, in-cycle monitoring and management for one fixed price. Plus, one year of embryo storage is included."

That's the whole cycle at one definite number, even before treatment starts. See the full breakdown on Sunfish's IVF package pricing page.

Members also get exclusive evidence-based resources including videos, articles, and easy-to-follow guides, and exclusive benefits including discounts on embryo and egg storage and transport, prenatal vitamins, mental health support, vaginal microbiome testing kits and many more.

The trade-off between protection and access, and Sunfish's single standard

BUNDL Guard offers the 100% refund guarantee, but reaching it requires a clinical screen based on criteria BUNDL describes as age, AMH or AFC, and prior fertility treatment. For patients who don't clear that screen, the fallback is BUNDL Basic: open enrollment, no criteria, and no refund at all. At BUNDL, protection and access are two different products.

Sunfish's financial protection comes with our Gold Program (a guaranteed partial refund of up to $15,000¹ if a patient is unsuccessful), and choosing that tier isn't the same as passing a clinical screen. However, a required physical evaluation with an eligible clinic still applies, since Sunfish coordinates around a patient's treatment plan, rather than patient demographics. Sunfish provides a predictive cost forecast, and the refund sits on top of a fixed program price and included single embryo transfers.

Are There Costs that Sit Outside Each Quoted Price?

Even within BUNDL Guard, the price doesn't cover everything a patient needs:

• Medication is an optional add-on, not part of the core package.
• The refund terms are set case by case. BUNDL's Advocate team confirms what counts as an unsuccessful outcome and what miscarriage protection covers when they assess whether a patient qualifies.

Sunfish's flat fee isn't presented as covering every possible expense, either:

"Sunfish's Success Programs include the IVF or egg freezing cycle at one flat price, which excludes medication and PGT-A genetic testing; medication comes from Sunfish partner pharmacy with a guaranteed lowest-price match."

Medication and PGT-A testing sit outside the core price on both platforms. Sunfish routes medication from Sunfish partner pharmacies with a guaranteed lowest-price match. BUNDL sells medication as an optional add-on that can be folded into the plan price.

Sunfish vs. BUNDL Fertility at a glance

What happens to the cycles you don't need

That's the frame this comparison comes down to. Both companies let a patient buy more than one retrieval at a lower combined price. The difference is what happens if you use less than you bought: BUNDL's plans run the retrievals you bought, while Sunfish refunds the cycle you didn't use.

A few questions are worth asking before you commit to either structure:

• If I buy more than one retrieval and don't use them all, do I get a refund?
• If I don't qualify for the strongest version of a refund, what am I left with?
• What happens to consults, diagnostics, and medication, will they be contained inside the price, or billed separately as I go?
• Is there a step, like a required IUI attempt, standing between me and the treatment I came for?

Sunfish's Why Sunfish page walks through the reasoning behind its approach, including how the flat-fee structure connects to the personalized support each member gets from their Planning Partner. If you're also weighing egg freezing, Sunfish's guides on embryo banking vs. egg freezing and the egg freezing process are good next reads.

Main takeaway

What you need to consider is what you're being asked to commit to, and when. BUNDL's plans package retrievals, with the strongest financial protection reserved for those who clear a clinical screen first. Sunfish offers single and double packages at one fixed cost, with no screening step standing between you and enrollment, and refunds a second cycle you don't end up using.¹

Ready to see what one cycle actually costs? Explore the IVF Success Program and get started with a Planning Partner, or contact Sunfish with questions about your own treatment plan.

FAQ

What's the main difference between Sunfish and BUNDL Fertility?

BUNDL's core plans package two or three egg retrievals into one purchase, and its only single-cycle plan pairs that cycle with an IUI attempt first, refunding the IVF portion if the IUI succeeds. Sunfish offers single and double retrieval packages at one flat, upfront fee, and refunds the second cycle if a member doesn't use it.¹

Is Sunfish's flat fee really all-inclusive?

It covers one full IVF cycle which includes retrieval, anesthesia, embryo freezing, transfer, embryology services, monitoring, and one year of storage. Medication and PGT-A testing are billed separately. See full terms on Sunfish's FAQ page.

Do I need to pass a screening to qualify for Sunfish's program?

Sunfish accepts patients into its IVF Success Program at 100% eligibility, with no exclusions on age, diagnosis, or insurance. Sunfish accepts patients into its IVF Success Program at 100% eligibility, with no exclusions on age, diagnosis, or insurance, where many IVF programs screen applicants out by age or health data.

Is medication included in either program?

Not in the core price of either. BUNDL prices it as an optional add-on; Sunfish routes it from Sunfish partner pharmacy with a guaranteed lowest-price match instead.

¹ As part of the Sunfish IVF Success Program, Sunfish provides a Custom Financial Plan using Sunfish's proprietary software that calculates the expected financial costs for each family to achieve a Live Birth based on a range of factors. If you fail to achieve a Live Birth within your custom financial plan budget and there are unexpected financial costs that were not accurately predicted by the Financial Planning Tool, our software Warranty may entitle you to receive a partial refund of your treatment package costs. Additional costs may be incurred outside of the Treatment Package Costs. See our Sunfish IVF Success Program Agreement for conditions and details.