IVF money back guarantee
An IVF money back guarantee returns part of what you paid if you are unsuccessful. The Sunfish IVF Success Program includes one on its Gold tier, a guaranteed partial refund of up to $15,000 or a discount toward another round¹, on top of one flat fee with all single embryo transfers included for a year.
What an IVF money back guarantee covers
A money back guarantee is a program that returns some of what you paid if you are unsuccessful.
The Sunfish version sits on the Gold tier, which includes exclusive evidence-based resources including videos, articles, and easy-to-follow guides, plus savings on long-term egg and embryo storage and transport, at-home wellness IVs, one-on-one mental health coaching, and more. Sunfish provides each IVF Success Program with a predictive cost forecast, and returns a partial refund of up to $15,000, or a discount to continue treatment, if that forecast proves inaccurate.¹
The refund sits on top of a fixed program price and included embryo transfers. A member's cost is capped before the refund is triggered.
One flat fee covers your treatment cycle, and all single embryo transfers are included for a year. Terms apply.
Why Sunfish?
Lower medication costs
Sunfish members receive discounted fertility medications through partner pharmacies with a lowest-price guarantee, plus additional savings during your cycle and on long-term egg or embryo storage, saving patients up to $9,000 per cycle.
All embryo transfers included
Your membership includes all embryo transfers for one year at one fixed price, removing the financial pressure of paying for each attempt and giving you the freedom to keep trying.
All-inclusive pricing
Our IVF Success Program bundles your treatment into one personalized flat fee, including options for donor egg and sperm, reciprocal IVF, and more. You know the cost upfront with no surprises.
Partial refunds
If you are unsuccessful, eligible patients may receive a partial refund of up to $15,000 or a discount to continue treatment, helping reduce the financial risk while you pursue your path to parenthood.
What the IVF Success Program includes
All single embryo transfers included for one year, with no new bill for each one
A guaranteed partial refund of up to $15,000 on the Gold tier, or a discount toward another round¹
A place in the program at any age, with any diagnosis, insured or not
Your cost forecast is set after a physical evaluation at an eligible IVF clinic.
Medication and PGT-A genetic testing sit outside the flat fee, and Sunfish names both when it quotes you. Medication comes from Sunfish partner pharmacy with a guaranteed lowest-price match.
Who qualifies for the refund
Sunfish does not turn people away on age, diagnosis, or insurance status.
No screen on age or ovarian reserve
You complete a physical evaluation at your clinic before you enroll, and your doctor still decides whether IVF is right for you. Nothing in that evaluation keeps you out of the program.
The same package price either way
Your medical profile does not move the standard package price. It shapes the cost forecast Sunfish builds for you, and that forecast sets the refund available on Gold.
A guaranteed refund of up to $15,000
If you are unsuccessful, Gold members may receive a guaranteed partial refund of up to $15,000, or a discount toward another round¹. Terms apply.
Sunfish forecasts what reaching a baby is likely to cost you, and prices your program from that forecast.
Getting that forecast right is Sunfish's job, and the financial protection is what stands behind it.
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 (the "Warranty") may entitle you to receive a partial refund of your total treatment package costs depending on the extent of inaccuracy of our software. Additional costs may be incurred outside of the Treatment Package Costs. See our Sunfish IVF Success Program Agreement for conditions and details.
All interested participants in the Sunfish IVF Success Program must complete a required physical evaluation by an eligible IVF Clinic. Our software is limited to certain data and therefore the Sunfish IVF Success Program and Financial Planning Tool is only available to qualified applicants. We are not a medical provider.
Sunfish's IVF Success Program is a great option for anyone who is looking for peace of mind as they pursue IVF. This program can help them reduce their financial stress during their fertility journey.
.webp)
FAQs
Common questions about IVF money back guarantees.
Gold members who are unsuccessful may receive a guaranteed partial refund of up to $15,000, or a discount toward another round. Which one you get, and how much, follows your program terms.¹
The Sunfish IVF Success Program Agreement is where that trigger is defined. Read it before you sign.
That gap is the reason money back guarantees exist at all.
IVF often takes more than one attempt, and the second and third attempts are where the unplanned cost lands.
What Sunfish does guarantee is a price, a year of included single embryo transfers, and a partial refund if you are unsuccessful.
That quote covers the treatment cycle. Medication and PGT-A genetic testing are billed separately, and Sunfish names both at the same time.
You buy a defined course of IVF at one price, and the clinic returns an agreed share of it if the course ends without a birth.
Admission is what varies most. Many of these contracts set a minimum ovarian reserve or a maximum age before a clinic will sell you one.
Sunfish sells its program without those screens, in partnership with your clinic rather than as part of it.
Sunfish collaborates with a member's fertility clinic to support their care rather than replace it, and the member and their doctor make every medical decision.
Financially the number bites hardest on the second and third attempts, where a clinic bills each transfer again.
A Sunfish membership includes all single embryo transfers for up to a year at the price you already paid. A transfer isn't the same as a full round of IVF, so you don't re-price your plan each time one doesn't take.
Sunfish quotes one figure instead, and a double retrieval package is available at that single price. It forecasts what reaching a baby is likely to cost you, and quotes that one price before treatment begins.
With the Sunfish IVF Success Program, eligible Gold Program patients can receive a guaranteed refund of up to $15,000 if they are unsuccessful.¹
Medication is discounted rather than excluded. It comes from Sunfish partner pharmacy, and members also get discounts on long-term egg and embryo storage.
The refund is tied to how accurate Sunfish's cost prediction turns out to be, not to whether treatment succeeds on its own.
Costs that were never inside the program are not part of it.
You keep your doctor and your treatment plan.
Sunfish settles treatment billing with the partner clinic directly. Sunfish pairs you with a Planning Partner for the length of the program.
Programs are sold through partner clinics, and availability depends on whether yours is one.
Ready to get started?
Complete our short intake form and someone from our team will reach out.
